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What is No Claim Discount (NCD)?
The No Claim Discount (NCD) is a reward scheme received by motor policy holders for not making a claim during the preceding 12 months.
How much of No Claim Discount (NCD) am I entitled to?
Consumers are eligible for NCD ranging from 0% to 55% of the premium payable depending on the type of vehicle, coverage and number of years claim not intimated. For a private car, the scale of NCD ranges from 0% to 55% as provided in the policy/certificate whereas for motorcycles and commercial vehicles, it ranges from 0% to 25%.
Find out the current insurer for your vehicle, type of coverage, policy period and policy number by entering your details
Malaysia General Insurance, Life Insurance Services, Malaysia SME Insurance, Malaysia SMI Insurance, Malaysia Insurance Solution Services, Exhibition Insurance Malaysia
Your Trusted Malaysia Insurance Risk Management Service Provider since year 1989 and located at Kuala Lumpur.
During these solid 23 years of "hard ground" experiences, we ACPG have developed niche market product by designing policies that suits potential clients and not sell what the insurer has.
We have a team of young, qualified and dynamic team in both head office and branches and are prepared to take upon any new challenges with the ever changing landscape of the insurance industries.
Our vision, Mission, Guiding Principles, Core Values & Service Intent Statement
OUR PURPOSE
Our clients come to meet us with their insurance needs. We will fulfill these needs by designing and delivering sound professional advice and provide practical solutions. They can expect superior value and quality services at all times.
OUR PHILOSOPHY
We seek to build and have people who are adaptable, balanced, and competent. Just as we value strong and sustainable partnerships with our clients, so it is with our staff and our business associates.
To achieve the sales target and become the Most Knowledgeable and Respectable Insurance intermediary by providing the best coverage to suit our clients need and to provide them sound professional advice before policy inception until claim settlement.
To be the most Organized and Respectable Insurance Intermediary in this region. The Niche market player with "ONE STOP INSURANCE SERVICE ". Our service standard are beyond comparison and contract.
OUR VISION
A - Always one step ahead and always deliver what we promised.
C - Can achieve better and committed deliver service.
P - Professional knowledge base.
G - Growth together and committed to our clients.
MISSION STATEMENT
Together, we are committed.
To serve our customers as a dedicated and responsible Insurance advisor and solutions provider.
To provide our employees with a dynamic work environment that will challenge, motivate and reward them.
In all our journey to excellent, we aspire to set legend in the malaysia insurance industry.
Your Risk, We Advise
Your Claim, We Manage
Your Problem, We Solve
Long term benefits should not be sacrificed for short term gains.
VALUES
1. Integrity
2. Being Professional
3. Confront Problems Immediately
4. Pay Attention To Details To Achieve Perfection
5. Be Bold
- Hiring Process
- Product Development
- People Development
Introduction
ACPG CLAIMS ADVISORY UNIT (ACPG-CAU) 索赔咨询单位
The ACPG CLAIMS ADVISORY UNIT (ACPG-CAU) was formed in the year 1997 order to assist ACPG Insured/Client in their claims matters which scope encompasses the dispensing of advise on insurance and legal related matters, submission of documents to the Insurers and acting as an intermediary between the Insured and Insurer. The main task of CAU is to ensure that both the Insurer and Insured are given the best service by providing the best solution to matters pertaining to claims.
"ACPG-CAU" is headed by ACPG CEO Mr Anthony Chin and assisted by Ms. Anna Sim. "ACPG-CAU" handles claims pertaining to several classes which are individually handled by specific, designated persons.
The primary task of "ACPG-CAU" is to maintain efficiency and an optimum service standard in the process of claims handling. Procedures are to be strictly adhered to in order to ensure that deadlines are met particularly in relation to Insurers who are compelled to conform with ISO standards. It is the responsibility of "ACPG-CAU" to ensure that the Insured parties are regularly updated on the claims status in order to keep them informed on the progress of their claims.
There is currently in place, a proper reporting system to the Insured parties, the Insurer as well as the Management team. This system has been designed with the purpose of creating a more pro-active working environment. With this system in place, it enables the Insured parties as well as the Insurers to be handled in a professional manner whilst simultaneously maintaining a cordial relationship with both parties.
"ACPG-CAU" is geared towards providing the best claims services to both the Insured as well as the Insurer. The objective of "ACPG-CAU" is to ensure that both the Insurer as well as the Insured are satisfied with the decision pertaining to the claim. Hence, under the circumstances, regardless of whether or not claims are settled, it is always necessary to provide a proper explanation which is substantiated and justified with facts in order to avoid any uncertainty, disputes and challenges pertaining to the same.
The mission of "ACPG-CAU" is to be the
‘Most Efficient, Effective and Reliable Department for Insurance Claims’.
The vision of "ACPG-CAU" is to be the
‘Solution Provider for All Types of Insurance Claims’.
01) Pay immediate attention to a loss.
02) Documentation & Standardize claims procedure.
03) Priority of claims (Not applicable for non liability claims)
04) Policy advise, condition & coverage (coordination).
05) Coordination with property & liability (if any) surveyor.
06) Insurer's Interest
07) Our Company Interest e.g. additional premium, reinstate of loss, additional premium for under insurance.
08) Pay attention to customer's opinion / view and to provide claims advise.
09) Future business (assistance case)
10) Claims status and immediate response to status of loss, withdrawal.
11) Claims analysis during renewal (loss ratio)
12) Our customer's satisfaction.
The insurance industry is highly regulated in Malaysia so often the rates are fixed. This is the case with car insurance, although the speed at which companies settle claims can vary greatly. However, some inclusions and exclusions are worth noting. As in many other countries, insurance sales people are less likely to explain the various exclusions, so it's best to do your research before deciding on a policy and to ask plenty of questions.
If you have shipped your personal effects to Malaysia, make sure you report any damage immediately, as you may find it harder to claim once the removal men have left your premises. It makes good sense to take a detailed inventory prior to shipping as well as photographs of any valuable items, along side any other documentation that will support a claim. It is also prudent to take photographs of any damaged items as you unpack. The majority of shipping agencies will include insurance in the shipping costs, but be sure to read the policy carefully and opt for alternative cover if necessary.
THE FOLLOWING INSURANCE IS WORTH CONSIDERING:
Car Insurance
Covers damage to your vehicle and other vehicles. Fully comprehensive insurance is not mandatory in Malaysia, but is strongly recommended. There is usually a relatively small excess.
Life Insurance
Covers death and or/dismemberment. It’s an unpleasant thought, but your family will need protection to provide a reliable income to replace your earnings if you die before you reach retirement age. Fortunately life insurance is generally low cost and you can easily buy cover providing up to 20 times your annual salary for a low monthly premium. Again, remember that any domestic life insurance plans you have taken out at home may not pay out in Malaysia, so look for an international plan designed with the expat in mind.
Medical Insurance
Covers medical treatment, hospitalization, surgery, etc. Malaysia 's medical services are among the best in the region, however if you need medical treatment you’ll need to visit one of the many private hospitals or clinics and pay for your treatment. Private medical insurance is designed to cover these costs – but make sure that the policy you buy is an international policy geared to expatriate needs as a traditional domestic policy from your home country or country of residence is unlikely to provide the level of cover you need in Malaysia and other countries you visit.
Check the policy provides full emergency medical evacuation cover in case you are taken ill in a remote area where medical facilities are scarcer and local 24/7 emergency assistance is limited. Different international medical insurance policies are designed either to cover essential healthcare needs if you’re on a budget or higher levels of protection if you want to cover a wider range of conditions such as maternity care or cover for the treatment of chronic illnesses. If you are living with your partner and children buy a family policy which covers you together as these are generally available at a lower premium than buying individual policies.
Medical emergencies are not the only financial risk you will face. If you suffer an illness or accident that leaves you unable to work, you’ll need an income wherever you recuperate as once an expatriate, you may not be entitled to full state-funded benefits – which are minimal in most countries to start with. Income protection policies are designed to provide you with a replacement income while you are unable to work. Again it is prudent to buy a plan designed specifically for expats as you are likely to find restrictions in domestic policies which will make it difficult to claim if you are working overseas. Plans can replace up to 75 per cent of your salary with payments made continuously until you are either fit to return to work, or right up to retirement age if necessary.
Household Insurance
Covers household contents and personal effects. High-rise apartment living and the fact that most apartment complexes, low and high, have security guards and CCTV cameras, means that home burglaries are uncommon. Petty crimes and crimes against your person are quite rare for international residents in Malaysia. Rainstorms or leaking plumbing from the upstairs apartment are more likely to cause damage to your property. This is what you need to have clarified in your insurance policy. It is also important to clarify with your landlord who is responsible for insuring the policy, and to establish what that insurance covers and whether you will need additional cover.
The Business & Personal Insurance Solutions team of ACPG in Malaysia is focused on delivering tailored general insurance solutions that are individually designed to meet the coverage and risk management needs of a wide variety of small to medium sized businesses or groups of self-employed individuals.
Our wide range of packaged solutions are delivered through targeted distribution channels and are leveraged by our state-of-the-art web-based delivery and support platforms.
The team is committed to providing practical alternative risk protection options and building customized products for individual targeted segments.
The ACPG Business & Personal Insurance Solutions range of products include:
Office Insurance
Leisure Industry Insurance
Business Insurance
Retail Insurance
Property Owner's Insurance
Residential Strata
Residential Landlords
Marine / General Property
Financial Lines
Office Insurance
This offering targets professionally occupied individual office risks which are per-underwritten. This product is typically available to businesses such as lawyers, dentists, accountants and some 50 other "white collar" occupations.
This packaged solution encompasses protection of property, consequential loss, public and product liability.
Focusing on clubs, restaurants, bars, cafes, bistros as well as hotels and motels, this package covers multiple lines, including machinery breakdown and is tailored to suit these occupations.
Industrial Insurance
Focused on small-to-medium enterprise, this product has been tailored to meet the specific needs of industrial businesses which require broader or business coverage. It caters to businesses with multiple locations and can also be per-underwritten.
Focused on small-to-medium enterprises, this product has been tailored to meet the specific needs of businesses which require broader business coverage. It caters to businesses with multiple locations and can also be per-underwritten.
A comprehensive package designed for both multi and single site Retail businesses. The package includes multiple lines of cover including property cover, contents and stock, business interruption, public and employers liability and money.
This customized product provides an extensive selection of cover options developed to cater to the niche risks faced by Body Corporate and Strata Managers. These include Property, Loss of Rent, Fidelity, Office Bearers, Liability and even Personal Accident cover.
Residential Strata
This customized product provides an extensive selection of cover options developed to cater to the niche risks faces by Strata managers. These include property, Loss of Rent, Fidelity, Office Bearers Liability, Public Liability and even Personal Accident cover.
Residential Landlords
This package offers comprehensive cover that has been distinctly designed for Landlords and Investors. The key policy covers include full accidental damage cover on Contents, Fixtures and Fittings, Malicious Damage by Tenant, Loss of Rent, Legal Expenses, Liability cover which can be extended to include the freestanding Dwelling.
Worldwide All Risk Insurance
Covers personal effects and valuables anywhere in the world.
Personal Liability
Covers accidental bodily injury to third parties or damage to their property.
Domestic Help
Covers death, injury and medical expenses for domestic helpers under your employ. If you hired a maid through an agency, the agency will often cover this cost for the first two years. As the employer you are responsible for her health care costs whether she has the flu or falls off a ladder - you must either insure your maid yourself or ensure that the agency has done so. Expenses on visits to GPs are borne by the employer. If you plan on extending the services of one particular maid for more than two years, take out comprehensive insurance that covers her medical care including any injuries she incurs during work.
Golfing Insurance
Covers golf-related accidents, damage to golfing equipment, and even a hole-in-one bar tab.
If you are looking for a highly-recommended and reliable insurance broker, we (ACPG) can put you in touch with someone who has nearly 23-years experience and several expatriate clients.
SME Directors and & Officers Liability insurance is designed to help protect a wide range of small to medium size companies.
Directors and Officers of Small Medium Enterprises (SMEs) may not be aware of the potential threat they are exposed to. Directors and Officers Liability Insurance is just as relevant to the SMEs, as to the large national or multi-national organizations.
This policy is designed to protect the personal assets of the Directors and Officers by providing indemnity for loss arising from a claim as a result of a ‘wrongful act’ like breach of duty, neglect, error or misstatement committed by them in the course of performing their duties in their capacity as Directors and Officers of their company.
Who is eligible for Allianz Protect - SME Directors and Officers Insurance?
SME Directors and Officers Insurance is available for the profitable companies who have been in business for more than two years with annual turnover of up to RM100million.
Both privately owned companies (Sendirian Berhad) and companies listed on Bursa Malaysia Berhad are eligible to apply for this insurance.
1. Advertisement, promotions, event organizers, TV/Film producers
2. Agricultural production and fishing
3. apparels, finished products, furniture
4. Building contractors
5. chemical manufacturers/distributor
6. Construction (heavy and building construction)
7. Departmental Store, emporiums, supermarkets, mini markets & shopping complexes
8. Educational Institutions (school, universities, colleges)
9. Electronic components manufacturing
10. Entertainment centers including cinemas
11. Freight and shipping
12. Golf and country club, amusement park operator
13. Gyms and yoga centers
14. Hospital, medical centers and dialysis centers
15. Hotels
16. Industrial plants
17. Interior designers
18. Manufacturing
19. Non-profit organization
20. Plantations
21. Power Plants
22. Property development
23. Radio, tv station/broadcasting, studio and wireless page
24. Restaurants, bars and pubs
25. Retailers, boutiques, showrooms
26. Stone, clay, glass, metal and concrete products
27. Tour operator
28. Tuition centers, music and dance school, education training centers, driving schools
29. Utilities companies
30. Wholesale trade (durable and non-durable goods
- Name of the Insured
- Industry
- Annual Revenue
- Privately owned or listed on Bursa Malaysia
SME Directors and Officers Liability Insurance Coverage:
1. Worldwide coverage
2. Full Retroactive cover
3. Legal Representation Costs (worldwide) not tied to "wrongful act”
4. Automatic New Subsidiary cover
5. Broad definition of Insured (include Employee, Trustee of trust fund or pension scheme), Heirs, Legal Representatives, Estates, Lawful Spouse
6. Defense Cost for liability under Clause 46 of the Employee Provident Fund Act 1991 up to full policy limit
7. Defense Cost in respect of Involuntary Manslaughter up to policy limit
8. Defense Cost for Pollution Claims
9. Defense Costs for Pollution Derivative Action Claim up to full policy limit
10. Defense Costs of Professional Services Derivative Action Claims up to full policy limit
11. Full Severability
12. Non Rescindable
D & O policy covers "Directors and Officers (insured persons)” for "claims” made against them alleging a "wrongful act” first made and notified during the policy period. i.e. This is a claims made policy.
The information provided above is intended as a summary only. For full details of cover, extensions, conditions and exclusions please refer to Malaysia insurer SME Directors and Officers Insurance policy wording.
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Life insurance combines protection with a regular savings programme, setting aside your money, which is then managed by professionals to ensure that a particular need or goal is met, while still providing financial security against unexpected events.
It is also an excellent financial planning tool, helping your savings to grow
so that you can plan for the future - whether for retirement or your children's
education - with confidence.
Underwritten By Zurich Insurance Malaysia Berhad
Arranged By ACPG Management Sdn Bhd.
ACPG careline : +603-92863323
Email : enquiry@acpgconsultant.com
Homepage : www.acpgconsultant.com
You’ve worked hard all your life to create a comfortable life for your loved ones. Now, it’s your turn to sit back and enjoy the fruits of your labour. Let SeniorGold make your retirement years a lot more comfortable and peaceful. For only RM50 per month, you can enjoy great benefi ts from a product that caters for your specifi c needs; super benefi ts at an unbeatable price you can enjoy at any time, anywhere in the world! So, for a worry-free life, get SeniorGold. After all, you’ve earned the right to enjoy the best life has to offer!
Insurance protection that the elderly need the most...
• No Worries. GUARANTEED ACCEPTANCE
• Coverage Renewable up to 100 years old.
• Hassle Free. NO MEDICAL CHECK UP
• Guaranteed Cash Payment
• Affordable premium as low as RM 50 per month.
• 24-Hour Protection, Worldwide
• Repatriation Benefit ts up to RM3,000
• Premium does not increase with age
• High Entry Age
• Best Coverage - Natural & Accidental Death Benefits.
Frequently asked questions
1. Who is eligible to apply for Malaysia Senior Gold Life Insurance Protection Plan?
A person whose age is 18 and above is eligible to apply. Minimum and maximum age limits for the life assured are set from 50 to 80 years old (last birthday) respectively.
2. How is the Basic Sum Assured of my policy obtained?
Your policy’s Basic Sum Assured is subject to your entry age, gender and the number of units of insurance coverage you have purchased. For example, a female aged 50 years old who has purchased 5 units of insurance coverage under SeniorGold Plan, her Basic Sum Assured will be 5 times of the amount stipulated in the Sum Assured Schedule, i.e. RM17,397 x 5 = RM86,985.
3. Will the premiums increase with my age?
No. You can rest assured that SeniorGold premium is guaranteed throughout the term of the policy.
4. Does the Basic Sum Assured change when my age increases?
Do not worry. Your Basic Sum Assured of your policy will remain unchanged regardless of your age.
5. Will I get some money back should I surrender my policy before it matures?
Yes, you will get your cash value of your policy after three (3) years your policy has been in force.
6. Are there any exclusions?
Yes, but the exclusions are only applicable to Accidental Death Benefi t (please refer to policy contract) These are:- War, Civil War, Terrorism; AIDS and Diseases including Dengue Fever and Japanese Encephalitis; Childbirth and Miscarriage; Provoked Murder or Assault; Travelling as an Aircraft Crew; Aerial Activities; Martial Arts and Racing; Radiation, Nuclear Weapons Materials, Intoxication by Alcohol and Drugs.
ACPG Hotline 603-9286 3323.
Despite efforts to stay healthy, illnesses can strike suddenly, No matter how careful you are, ...
ACPG Medical & Health Insurance Plan can help put your mind a rest. Helping you deal effectively with all serious health problems, from the need for prompt diagnosis to prearranged care at an approved panel hospital of your choice. In the event of serious medical emergencies, you can be covered for immediate admission to the nearest approved panel hospital.
With ACPG Medical & Health Insurance Plan, you need not worry about funding for your healthcare costs or it being a burden on yourself and your loved ones. All you have to do is to select from a choice of Medical Insurance Plans that suits your needs.
Furthermore, the annual premium you pay will qualify for the RM 3,000.00 medical tax relief subject to the final approval by the inland Revenue Board.
List of Product Range
Medical Card (Individual & Family)
Senior Age Medical Card Plan
(Entry Age up to 65, Renewal till Age 80)
Baby & Children Medical Card
Maternity/ Pregnancy Benefit
Lady Medical Card
Critical Illness Care
List of Special Extended or Unique coverage
Guarantee Renewal
High Lifetime Limit
Second Surgical Opinion
AIDs Coverage
Pregnancy Complications
Maternity Death
Out Patient Specialist Care
Out Patient GP Care
Home Nursing
Accidental Facial
Female Cancer
Ambulance Fees
Daily Cash Allowance at Government Hospital
Pregnancy / Maternity Benefits
Accidental Death / Permanent Total Disablement
Personal Insurance
Your personal and family protection is our first priority.
ACPG, providing a comprehensive range of quality insurance products is only the beginning. We go the extra mile to provide the responsive service and information you require to make the best choice for yourself and your family.
Choose from the following categories:
Our Principal Insurers,
MAA ASSURANCE
ALLIANZ GENERAL INSURANCE
MSIG INSURANCE
LONPAC INSURANCE
THE PACIFIC INSURANCE
AIG MALAYSIA INSURANCE
KURNIA INSURAN
HONG LEONG ASSURANCE
Arranged By ACPG Management Sdn Bhd.
ACPG careline : +603-92863323
Email : enquiry@acpgconsultant.com
Homepage : www.acpgconsultant.com
MedicaLife 210
Your life is always precious, especially to your loved ones. It's a sad reality but life can be changed forever through a freak accident, a sudden heart attack or a dread disease. Its effects can be devastating, especially on your family! So, don't let yourself be caught unprepared for these sudden mishaps.
Protect yourself against the rising cost of medical treatment with MedicaLife 210.
Benefits
This is a guaranteed renewal policy up to age 80. MedicaLife 210 is a standalone Hospitalisation & Surgical policy with 4 plans available for the Insured. It prepares policyholders for costly medical expenses with high lifetime limit - as high as RM 1,200,000.
The Insured will be provided with a MedicaLife 210 Medical Card to facilitate hospital admission. The Medical Card is accepted by a panel of quality hospitals nationwide.
The Insured will also get to enjoy international assistance programs with MedicaLife 210. The services offered are International Medical Assistance, Travel Assistance, Car Assistance and Home Assistance.
Schedule of Benefit
PLANS | PLAN 1 | PLAN 2 | PLAN 3 | PLAN 4 |
BENEFITS | RM | |||
Overall Annual Limit | 50,000 | 100,000 | 150,000 | 200,000 |
Overall Lifetime Limit | 300,000 | 600,000 | 900,000 | 1,200,000 |
Out-Patient Kidney Dialysis Treatment Lifetime Limit | 50,000 | 150,000 | 225,000 | 300,000 |
Out-Patient Cancer Treatment Lifetime Limit | 75,000 | 200,000 | 300,000 | 400,000 |
|
LIMIT | |||
HOSPITAL BENEFITS | ||||
Hospital Room & Board (Max. 200 days per annum) |
120 | 180 | 260 | 350 |
Intensive Care Unit (Max. 60 days per annum) |
As Charged (Subject to Reasonable and Customary Charges) |
|||
Hospital Supplies & Services | ||||
Surgical Fees | ||||
Anaesthetist Fees | ||||
Operating Theatre | ||||
Pre-Hospital Diagnostic Tests (Within 60 days prior to admission) |
||||
Pre-Hospital Specialist Consultation (Within 60 days prior to admission) |
||||
In-Hospital Physician Visit (Max. 200 days per annum) |
||||
Post Hospitalisation Treatment (Within 60 days from discharge) |
||||
OUT-PATIENT BENEFITS | ||||
Emergency Accidental Out-Patient Treatment (Within 72 hours and follow-up treatment to a max. of 31 days) |
As Charged (Subject to Reasonable and Customary Charges) | |||
Out-Patient Physiotherapy Treatment (Within 90 days from discharge/ surgery) |
||||
Out-Patient Kidney Dialysis Treatment | ||||
Out-Patient Cancer Treatment | ||||
OTHER BENEFITS | ||||
Ambulance Fees (Max. per disability) |
300 | 400 | 500 | 750 |
Daily Cash Allowance at Government Hospital (Max. 200 days per annum) |
50 | 60 | 75 | 85 |
Home Nursing Care (Max. per disability) |
500 | 750 | 1,000 | 1,500 |
Insured Child's Daily Guardian Benefit (Max. per disability) | 200 | 250 | 300 | 400 |
Medical Report Fees (Max. per disability) |
100 | 120 | 120 | 120 |
Government Service Tax | As Charged |
Who is Eligible?
You can be insured with MedicaLife 210 if you are between 0 (30 days) and 59
years old (age last birthday).
ProLife 36 Super Basic
Now You Can Ease The Financial Suffering Caused By Critical Illnesses
Life is beautiful. It is no secret that everyone would love to keep it that way - forever!
No one likes to think of the possibility of rain on a sunny day. Similarly, we always take it for granted that we will always be as fit and healthy as we are today. It's a sad thing but it's a fact - critical illness can strike anyone at anytime - and at any age.
Today, the odds of surviving a critical illness/dread disease are great, thanks to the advances in medical science. The question is will your finances survive too? Think about the trauma and stress that you and your loved ones would have to go through. Think about having to battle cancer and yet having to go back to work, work, work - just to pay off the extra expenses like medical bills. The trauma and stress can be debilitating!
ProLife 36 Super Basic is a new way of protecting yourself against the high cost of rebuilding your lifestyle following critical illness/dread disease. Think about what a difference this money will make towards helping with recovery, for adapting to a new lifestyle, helping to support the family financially, or perhaps saving your business. How you spend the money is completely up to you. But one thing is for sure: everyone - single, married, parent or business owner - has a real need for this coverage. Thankfully it is available to everyone, from age 1 month to 55 years. You can obtain it if you are still eligible. Act now!
Benefits
Type of Critical Illness/Dread Disease Covered:
- Alzheimer's Disease/Irreversible Organic Degenerative Brain Disorders
- Aplastic Anaemia
- Bacterial Meningitis
- Balloon Angioplasty
- Benign Brain Tumor
- Blindness
- Brain Surgery
- Cancer
- Cardiomyopathy
- Chronic Liver Disease
- Chronic Lung Disease
- Coma
- Coronary Artery Bypass Surgery
- Encephalitis
- Full Blown Aids
- Fulminant Viral Hepatitis
- Heart Attack (Myocardial Infraction)
- Heart Valve Replacement
- HIV Due to Blood Transfusion
- Kidney Failure
- Laser Treatment or any other Invasive Treatment for Coronary Artery Disease
- Loss of Hearing/Deafness
- Loss of Speech
- Major Burns
- Major Organ Transplant
- Motor Neurone Disease
- Multiple Sclerosis
- Muscular Dystrophy
- Occupationally Acquired HIV Infection
- Paralysis/Paraplegia
- Parkinson's Disease
- Poliomyelitis
- Primary Pulmonary Arterial Hypertension
- Stroke
- Surgery to Aorta
- Terminal Illness
This insurance scheme is exclusively designed to provide our school children 24 hours coverage within Malaysia, Singapore & Brunei with the most comprehensive and beneficial coverage at a very minimum cost. It provides high capital sum insured for accidental death and permanent disablement coupled with extended coverage without any additional cost. It is definitely something that a concerned parent should obtain for your precious ones.
Benefits
-
Accidental Death
Pays the full principal death sum assured in the event of Death due to an accident. -
Accidental Permanent Disability
- Pays the full principal permanent disability sum assured in the event of Permanent Disability as listed in the Table of Benefits and Premium (benefit 2: a - g) resulting from an accident.
- Pays up to 75% of the principal permanent disability sum assured in the event of other permanent disabilities as listed in the Table of Indemnity resulting from an accident.
-
Medical Expenses
Reimburse medical expenses up to the amount stated inclusive of hospital room and board, clinical, outpatient and surgical treatment. Should there is any claim been made under benefit 1 and 2, Medical Expenses benefit will not be payable. -
Traveling Expenses
Pays RM 10 per day for a payment of traveling expenses to and from the hospital which is incurred by parents up to a maximum of RM 500 per accident should the insured/pupil is hospitalized as a result of an accident. -
Funeral Expenses
Pays additional of RM 2,000 in the event of Accidental Death. -
Hospital Cash Allowance
Pays RM 50 per day up to a maximum of 60 days per accident should the insured hospitalized due to an accident.
Underwriting
Mode of Payment
- Annual Only
Entry Age
- Insured : 4 to 18 years old
- Policyholder : 16 years old and above
To : Joint Management Body (JMB) / Management Corporation (MC)
The Building & Common Property (Maintenance & Management) Act 2007 (Act 663) was enacted by the Malaysian government recently for the proper maintenance and management of buildings and the common property, after delivery of vacant possession of the premises to the purchasers but before the Management Corporation is formed. This new law came into force on April 12, 2007. It applies to Peninsular Malaysia and the Federal Territory of Labuan.
The JMB must be formed after 12 months delivery of vacant possession.
One of the most important duties of JMB is Insurance.
The powers and duties of the JMB are enumerated by Section 8 of the Act which stated
1. to insure and keep insured the building to the replacement value of the building against fire and such other risks as may be determined by the Body;
2. to apply insurance moneys received by the Body in respect of damage to the building for the rebuilding and reinstatement of that building;
3. The Body shall be deemed—
(a) for the purposes of effecting any insurance under paragraph (1)(c), to have an insurable interest in the building equal to its replacement value or any value as determined by the Body; and
(b) for the purposes of effecting any insurance under paragraph (1)(d), to have an insurable interest in the subject matter of the insurance.
Interpretation:
The Joint Management Body (JMB) must insured the following insurance:
1. Fire & All perils Insurance (Min perils Subsidence & Landslip, RSMD & BOW)
Building – For all the units that is individually own including all the common property.
In this case when the purchaser have a Loan with the Bank, the purchaser need not buy an additional insurance and can use the individual "Certificate of Insurance” issued from the Master policy.
It should include the following clauses:-
Reinstatement Value (valuation report by an accredited quantity surveyor at least once in 5 years)
Removal of Debris
Architect & surveyor Fee
Others (To be advice)
2. Public Liability Insurance
Legal liability to pay compensation for accidental bodily injury or accidental damage to the property to the Visitors for using the common property of the Building.
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Under Section 4 Establishment of a Joint Management Body (JMB) / Management Corporation (MC)
(2) The Body established by subsection (1) shall be a body corporate having perpetual succession and a common seal.
(3) The Body may sue and be sued in its name.
(4) The Body shall comprise the developer and the purchasers.
Interpretation:
As the JMB is a body corporate the volunteered committee members can now be sued by the purchasers for Breach of Duty. An E&O or a PL policy to protected the personal liability of the individual committee.
3. Error & Omission or Professional Liability Insurance
The Insurer will pay on behalf of any Insured all Damages resulting from any Claim for any Breach of Duty of the Insured.
The policy should be placed immediately after the formation of the JMB.
Writing and Servicing insurance policies for condominiums, apartments and flats requites impeccable skills and knowhow. Insurer with over 100 years history and ACPG had more than 22 years of field experience, we have designed a comprehensive product that would meet your association’s unique needs.
ACPG offer Strata Title Risks Solution: ACPG Beyond Standard (ABS) Package
1. Fire Insurance
2. All Risk Insurance
3. Crime Insurance ( Burglary & Money)
4. Fidelity Guarantee
5. Plate Glass Insurance
6. Machinery Breakdown Insurance
7. Public Liability Insurance
8. Professional Indemnity / Management Liability / Error & Omission (E&O) for Joint Management Body (JMB) or Management Corporation (MC).
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Errors & Omissions Insurance Malaysia
For JMB Management Committee Strata Title
Arranged By ACPG Management Sdn Bhd
ACPG careline : +603-92863323
Email : enquiry@acpgconsultant.com
Homepage : www.acpgconsultant.com
Errors & Omissions Insurance
Scope of Coverage : To indemnify your council or its member against all claims and legal expenses which may be made against your council members during the period of insurance (claims made basis) for breach of trust, neglect, error & omissions, misleading statement, breach of warranty or authority or other act done wrongfully attempted by council or its members under MCST Act (318) only.
Optional Extension Cover : Security Liability Extension
Scope of Coverage : Extended to include the insured's Legal Liability in respect of any accidental loss or damage to property arising out of and/ or in connection with the security services provided. Provided always that the security personnel / guards shall act as though they were uninsured, observe, fulfill and carry out the duties based on Agreed Standard Operating Procedures and be subjected to the terms of this policy so far as they can apply.
Information For
Joint Management Body (JMB) / Management Corporation (MC).
Strata Title Risk, Liability and Responsible
The Building & Common Property (Maintenance & Management) Act 2007 (Act 663) was enacted by the Malaysian government recently for the proper maintenance and management of buildings and the common property, after delivery of vacant possession of the premises to the purchasers but before the Management Corporation is formed.
This new law came into force on April 12, 2007.
It applies to Peninsular Malaysia and the Federal Territory of Labuan.
The JMB must be formed after 12 months delivery of vacant possession.
One of the most important duties of JMB is Insurance.
The powers and duties of the JMB are enumerated by Section 8 of the Act which stated
1. to insure and keep insured the building to the replacement value of the building against fire and such other risks as may be determined by the Body;
2. to apply insurance moneys received by the Body in respect of damage to the building for the rebuilding and reinstatement of that building;
3. The Body shall be deemed—
(a) for the purposes of effecting any insurance under paragraph (1)(c), to have an insurable interest in the building equal to its replacement value or any value as determined by the Body; and
(b) for the purposes of effecting any insurance under paragraph (1)(d), to have an insurable interest in the subject matter of the insurance.
Interpretation:
The Joint Management Body (JMB) must insured the following insurance:
1. Fire & All perils Insurance (Min perils Subsidence & Landslip, RSMD & BOW)
Building – For all the units that is individually own including all the common property.
In this case when the purchaser have a Loan with the Bank, the purchaser need not buy an additional insurance and can use the individual "Certificate of Insurance” issued from the Master policy.
It should include the following clauses:-
Reinstatement Value (valuation report by an accredited quantity surveyor at least once in 5 years)
Removal of Debris
Architect & surveyor Fee
Others (To be advice)
2. Public Liability Insurance
Legal liability to pay compensation for accidental bodily injury or accidental damage to the property to the Visitors for using the common property of the Building.
Under Section 4 Establishment of a Joint Management Body (JMB) / Management Corporation (MC)
(2) The Body established by subsection (1) shall be a body corporate having perpetual succession and a common seal.
(3) The Body may sue and be sued in its name.
(4) The Body shall comprise the developer and the purchasers.
Interpretation:
As the JMB is a body corporate the volunteered committee members can now be sued by the purchasers for Breach of Duty. An E&O or a PL policy to protected the personal liability of the individual committee.
3. Error & Omission or Professional Liability Insurance
The Insurer will pay on behalf of any Insured all Damages resulting from any Claim for any Breach of Duty of the Insured.
The policy should be placed immediately after the formation of the JMB.
Writing and Servicing insurance policies for condominiums, apartments and flats requites impeccable skills and knowhow. Insurer with over 100 years history and ACPG had more than 22 years of field experience, we have designed a comprehensive product that would meet your association’s unique needs.
ACPG offer Strata Title Risks Solution:
1. Fire Insurance
2. All Risk Insurance
3. Crime Insurance ( Burglary & Money)
4. Fidelity Guarantee
5. Plate Glass Insurance
6. Machinery Breakdown Insurance
7. Public Liability Insurance
8. Professional Indemnity / Management Liability /
For more information visit us at
www.acpgconsultant.com,www.walkinonline.com/store/ACPG.php under Strata Title Insurance / Apartment or Condominium Insurance or find us on Facebook Business Link www.facebook.com/acpg.management .
Property Insurance Kuala Lumpur Malaysia
Insurance for Residential Property
Types of Insurance Policies
There are three main types of policies to protect your property and household goods:-
- Fire - this policy covers loss / damage to your property building and contents caused by fire, lightning and explosion of gas used for domestic purposes only.
- Houseowner - this policy covers your building, including its fixtures and fittings, garages, walls, gates and fences, against several specified risks.
- Householder - this policy covers your household goods only, i.e. the moveable possessions in your property, against specified risks.
Coverage for each type of policy
The table below shows the main perils covered as well as exclusions under the three insurance policies:
Type of Policy | |||
Cover | Fire | Houseowner | Householder |
Fire, lightning and explosion caused by gas used for domestic purposes | Yes | Yes | Yes |
Loss / damage caused by aircraft, explosion (other than gas used for domestic purposes), road vehicles or animals, bursting or overflowing of water tanks or pipes, electrical installations, windstorm, tempest, earthquake, volcanic eruption and flood | No* | Yes | Yes |
Theft with violent / forcible entry of exit | No | Yes | Yes |
Loss of rental | No* | Yes | Yes |
Liability to third parties for accidents in your property | No | Yes | Yes |
Compensation for death of insured | No | No | Yes |
Subsidence and landslip | No* | No* | No* |
Riot, strike and malicious damage | No* | No* | No* |
Responsibility for Purchase of Insurance
If you are buying a property from a developer, which is under construction, the insurance of the property is the responsibility of the developer. You only need to insure the property upon vacant possession from the developer.
For properties with strata titles such as flats, apartments and condominiums, it is mandatory for the Management Corporation (MC) to purchase fire insurance for the whole building. The individual unit owner is required to pay to the MC his/her respective premium portion. At the same time, if the unit is purchased through a loan, the financier would normally require the unit owner (borrower) to obtain an insurance policy for the unit, leading to a situation of double insurance.
But if you have obtained the loan from a financial institution under bank Negara Malaysia's supervision, borrowers will not have to buy another insurance policy for their units. Instead, these financial institutions will accept the insurance policy already purchased by the MC subject to terms and conditions. In this instance, you need to obtain the individual certificate of the master policy from the MC and present it to your financial institution as evidence of insurance. If your loan is not from a financial institution under the supervision of Bank Negara, you can negotiate with the institution concerned.
What you should know when buying insurance cover for your property Insured value / sum assured
Ensure your property is adequately insured at all times, and take into account the renovations and enhancements made to your property.
You should also decide on the basis of compensation for loss/damage to your property, whether it is on indemnity or reinstatement basis, and the sum insured shall reflect the choice. When purchasing a householder policy, you must ensure that the sum insured reflects the coverage needed to replace all the contents in your property. You must also declare items that you want to insure specifically to ensure that you get the full compensation in the event of their loss/ damage. You may also take additional coverage for valuable items such as artwork, jewellery, antiques or collectibles - total value of jewellery shall not exceed one third of The Total Sum Insured on Contents.
It is also important to keep documents that show the proof of ownership and the value of items insured. Photographs of your valuable items, if available, may also be very helpful in the event of a claim.
What you should know when making a claim
If your property suffers damage / loss
- You must notify your insurance company in writing with full details as soon as possible
- You must take the necessary measures to mitigate further loss/worsening of the situation.
- If temporary repairs are required to stop further damage, you should ensure that these are carried out immediately and the bills of work done should be kept as part of your claim. An example of temporary repair is to use a waterproof polyethylene/ plastic sheet to cover damaged area to avoid further damage by rain water.
- If the repairs required are of a permanent nature, you should obtain estimates and send them to your insurance company for approval.
Settlement of Claims
The compensation amount depends on the basis of the cover:
- Indemnity basis will pay the cost of repairing the damaged building less the amount for wear, tear and depreciation; or
- Reinstatement value basis will pay the full cost of repairing the damaged building without any deductions for wear, tear or depreciation, provided that the sum covered is adequate to cover the total cost of reinstatement.
Excesses, being the amount you have to bear before your insurance company indemnifies you, are applicable for certain perils, such as overflowing of domestic water tanks, windstorm, earthquake and flood claims.
Making a Claim
- You must submit your claim with all supporting information and documents to your insurance company. The more information you have on the damaged items, the easier it will be for your insurance company to asses your claim.
- You should cooperate fully with the adjusters/ investigators appointed by your insurance company to asses your claim.
Email: corporate@walkinonline.com
BASIC COVER
Damage by fire & lightning
Damage by explosions of domestic boiler or domestic gas cylinder not forming part of a gas work
Damage by water or other extinguishing agents used to put out the fire
Damage resulting from gaining access to a fire
Smoke damages caused by fire
INTEREST / PROPERTY INSURED
Items that can be insured are:
Building, renovation
Furniture, fixtures and fittings
Personal Effects & Household goods
Dwellings, Offices, Shops, Hospitals (Located outside the compounds of industrial/manufacturing risks)
Industrial / Manufacturing Risks
Utilities located outside industrial/manufacturing risks
Machinery and Accessories
Storage Risks outside the compound of industrial risks
Tank farms / Gas holders located outside the compound of industrial risks
The basic premium is calculated based on a standard fire tariff rate prescribed by Persatuan Insurans Am Malaysia (PIAM) and is affected by the class of construction of the building and the sum insured.
The basic policy can be extended to cover loss of or damage to property caused by the following peril at an additional premium:
Riot, strike and malicious damage;
Explosion;
Impact damage by own vehicles and third party vehicles;
Aircraft Impact Damage;
Bursting and / or overflowing of water tanks apparatus and pipes (excluding sprinkler system);
Bush / Lalang Fire;
Spontaneous combustion;
Storm and Tempest;
Flood;
Earthquake and volcanic eruption;
Damage by falling trees or branches and object there from
Exclusions
The following are excluded from insurance coverage:
Loss or damage caused by war, civil war and kindered perils
Loss or damage caused by nuclear activity
Loss or damage to the stocks in cold storage caused by change in temperature
Loss or damage due to over-running of electric and/ or electronic machines
Claims
Claims In the event of a fire loss covered under the fire insurance policy, the Insured shall immediately give notice there of to the insurance company. Within 15 days of the occurrence of such loss the Insured should submit a claim in writing giving the details of damages and their estimated values. Details of other insurances on the same property should also be declared.
.....not just a Houseowner or Householder plan, but a plan for
Better Extension Coverage..........
ACPG Hotline 603-9286 3323.
The place you called 'Home' is your pride and joy. This ...
Today, ACPG offer you....................
Home Guard Insurance - Fire on Building, Household Goods and Personal Effects.
1) Fire, Lightning, Riot strike and malicious damages only on Content :
Fire, Lightning, Thunderbolt and subterranean fire.
Explosion
Aircraft, other aerial devices and /or articles dropped.
Impact Damages (By third party's vehicle or animals not belonging to the insured.
Bursting or Overflowing of domestic water tanks, apparatus or pipes.
Hurricane, cyclone, typhoon, windstorm.
Earthquake, volcanic eruption.
Flood (including overflowing of the sea)
Riot strike and malicious damages.
2) Included With Full Theft Coverage
(Theft Without Forcible Entry/Exit, Armed Robbery & Burglary) and as below coverage:
3) Extra Features
Loss of Cash - reimbursement up to RM 500.
Replacement of damaged locks and keys
- reimbursement up to RM 500.
Coins, medals and stamps collection
- reimbursement up to RM 500.
Fire Brigade Charges
- reimbursement up to RM 500.
Damage to Freezer Food
- reimbursement up to RM 500.
Breakage of mirrors
- reimbursement up to RM 500.
Temporary removal of contents
- up to 5% of sum insured.
Loss or damage to clothing & personal effects of maid
- reimbursement up to RM 250.
Jewellery & Personal Valuables
- reimbursement up to 1/3 of sum insured.
* However, for a smoother claim assessment, copy of receipt, if available, should be furnished.
4) Public Liability up to RM 300,000.
5) Worldwide Personal Accident cover up to RM 25,000.
The policy is designed to cover during the period of interruption:
CONTINUING OVERHEAD EXPENSES - which have to be met out of reduced earnings such as rent, taxes, interest on debentures, mortgages and loans
INCREASE IN COST OF WORKING - necessarily incurred to overcome or to minimise the effects of damage upon the business such as renting of temporary premises, hiring of machinery or extra labour costs
LOSS OF NETT PROFIT
WAGES of employees not gainfully employed during the interruption period and payments to employees whose services are no longer required
Apart from the policy period, there is also the indemnity period which is the maximum length of time likely to elapse before the loss or damage can be reinstated and the earnings of the business restored to their pre-loss situation.
The sum insured should represent the estimated annual gross profit and correspondingly be increased if the indemnity period is more than twelve months giving due consideration for variations and trends.
To encourage adequate cover at all times, up to 50% rebate of premium is allowed if the estimated profit levels are not achieved.
Malaysia Money Insurance Risk Management Services
The policy is intended to protect any business establishment against loss of money as a result of burglary or robbery.
Definition
Money - Cash, Bank Notes, Currency Notes, Uncrossed cheques other than pre-signed blank cheques, Traveller's Cheques, Uncrossed Giro Cheques, Postal Orders and Money Orders, unused postage and revenue stamps.
Premises - Shall mean the premises specified in the schedule.
Scope of Cover
Money In Transit
Monies in the personal custody of the Insured's authorised employees whilst in direct transit between the premises and bank or post office including money drawn as wages and salaries from the time of receipt until paid out.
Money In Premises
Money in the Insured's premises during and outside normal business hours. However, money in premises outside normal business hours must be secured in locked drawers or locked safes.
Money in Insured's premises contained in locked safes or strongrooms.
Money in locked drawers or cabinets or cash registers.
Damage to Safes or Strongroom
Cost of repair or replacement to the damaged locked safe or strongroom resulting from theft of money or any attempt thereat.
Additional Cover
Subject to payment of an additional premium, the policy can be extended to cover the following :-
Personal accident benefit to unnamed carriers at RM20 per person for a cover of RM10,000 for death and permanent disablement only.
Malaysia Public Liability Insurance Risk Management Services
What You Need to Know
Public Liability Insurance protects an individual and their business in case they are found legally accountable to a third party. In general, it is a medium that guarantees set ...
Normally, such policies pay for any legal expenses, penalties resulting from claims and even medical expenses if needed. It only covers third party claims and not claims made by employees, as these come under employees liability insurance.
Should Your Business Have Public Liability Insurance?
Public liability insurance is an umbrella under which a large variety of risks and situations are covered, and any business that deals with the general public takes it out to protect themselves against lawsuits. In today’s litigious society, people are quick to file lawsuits when suffering any loss, damage to their property, or injury due to the negligence of a business. With a greater number of cases going to court, liability insurance has become broader in what it encompasses. The need for businesses to hold public liability insurance has increased over the last few years.
The insurance is essentially voluntary, with the exception of some public events and facilities where the licensing authority makes it mandatory. Additionally, organizations that operate voluntarily with the support of the local council are also required to carry public liability insurance.
Most businesses and organizations are becoming increasingly aware of the potential to be sued and so consider public liability insurance an essential requirement. While it is now included in most business insurance packages like home, shop, restaurant and other insurance packages, it is also sold separately.
Who Needs Public Liability Insurance?
Professionals and business owners are generally the ones at the most risk of being sued, as they deal with a large client base on a regular basis. However, some professionals get greater benefit from taking out a public liability insurance policy than others. Any business, large or small, that interacts with customers at their place of business is at risk of being sued and so should make use of this protection. Also, note that the greater the number of people visiting the venue, the higher the risk.
Considering that just a single claim has the potential to bankrupt a business or a professional, it is best to be protected.
Amount of Coverage & Other Facts
It is common for business owners to take public liability insurance for the amount of RM 1 million, but RM 5 million packages are becoming increasingly popular. With more people willing to take businesses to court for the smallest mistakes, public liability insurance is no longer considered optional. In fact, some sites do not even allow tradesmen or sub-contractors on location unless they carry a Public Liability Insurance Certificate of Currency.
Within Malaysia, public liability insurance is fully portable, meaning it covers an individual from site to site, as long as one continues to work in the same trade. In case of a change of trade, it becomes necessary to inform the insurer or the policy may become void.
Additionally, every tradesman should have their own policy as the head contractor’s policy many not be sufficient. At times, the head contractor’s insurer will make the pay-out on a claim, but then sue the sub-contractor to recover its money. Needless to say, different occupations and situations have different risks, and the insurer must take those into consideration when writing a policy or note them accordingly to ensure that full coverage is provided to the policy holder.
Cost and Coverage of Public Liability Insurance
Public Liability insurance premiums are determined based on a number of different factors, including
The nature of the business or contract velue or sum insured cover amount.
The number of employees and contractors a business has.
At times, they even depend on the business turnover.
The larger the physical premises of a business and the more employees there are, the higher the premiums are likely to be. The insurance rates depending on the insuring company.
Summary
Public liability focuses on civil wrong. The wronged person sues the owner on the basis of incidents of neglect. If the occupier or owner of an establishment is found to be responsible for the harm, damage or injury, the claimant wins and is awarded compensation.
Public liability insurance is without a doubt the most justifiable cost for a business, as in its daily course of public interactions it is under a continuous threat of being sued. A single law suit has the potential to financially ruin a business; public liability insurance offers protection.
Employer's Liability Insurance Policy is designed to provide indemnity to the Insured against his liability at law and claimants' cost for bodily injuries or diseases to Insured's Employees arising out of and in the course of their employment.
Scope of Cover
The Employer's Liability Insurance Policy indemnifies the Insured against liability at law to pay compensation and claimant's costs and expenses in respect of the bodily injury by accident or disease to the Insured's Employees for which he is liable and will in addition to pay all costs and expenses with the Company's written consent.
Contractors' All Risks Insurance (CAR) /
Erection All Risks Insurance (EAR)
ACPG offers two types of engineering insurances for construction and
erection works. Contractors' All Risks policy (CAR) is used to cover civil works
whilst Erection All Risks (EAR) policy is used to cover mechanical and
electrical works.
Scope of Cover
Both policies provide the most comprehensive insurance protection on an 'all-risks' basis that generally cover loss or damage due to fire, lightning, water damage, flood, storm/tempest, subsidence, landslide, cyclone, hurricane, earthquake, volcanic eruption, burglary and theft, explosion, spontaneous combustion, heating, fermentation, impact and aircraft damage.
In general, it is possible to extend the standard policy to cover strike,
riot and civil commotion, inland transit, overtime, nightwork and express
freight expenses, air-freight, cross liability, maintenance
visits /extended
maintenance among others.
General policy exclusions are the deductibles stated in the schedule, consequential losses and liquidated damages, wilful act or wilful negligence of any official of the Insured, corrosion, non-observance of trade rules, war and terrorism risks, faulty design amongst others.
Introduction :
The Comprehensive General Liability Insurance (CGL) coverage is usually purchased by contractors who undertake contract of works or services for mainly Oil and gas related industry and other industries such as Telecommunication, Power plants, Engineering, IT related etc. per the requirement in the respective contract if and when they are awarded with the contract.
Contractor must produce a CGL Policy to the principal before commencement of works.
Scope of Cover:
The CGL insurance Policy indemnifies the insured against his legal liability for property damage or bodily injury to a third party caused by an accident while carrying out the works which takes place in the coverage territory during the policy period.
CGL coverage is a very broad form and extensions can be granted under the coverage.
In addition, the policy will indemnify the insured for defense costs and expenses incurred in respect of a claim to which the policy applies.
The limit of indemnity is inclusive of defense cost and expenses incurred in respect of a claim to which the policy applies
Policy Form:
CGL Policy form is an occurrence policy form
Automatic Extensions:
• Contractual Liability
• Sudden and Accidental Pollution
• Damage to Principal’s Existing Property
• Excess Automobile Liability
• Cross Liability
• Waiver of subrogation
Additional Extensions as and when required for a Sublimit & for an additional Premium:
• Personal Injury Liability
• Product and Completed Operation
The information provided above is intended as a summary only. For full details of cover, conditions and exclusions please refer to ACPG Insurer Comprehensive General liability Insurance policy wording.
The coverage focuses on alleged failure to perform on the part of, financial loss caused by, and error or omission in the service or product sold by the policyholder. These are potential causes for legal action that would not be covered by a more general liability insurance policy which addresses more direct forms of harm. Professional liability coverage sometimes also provides for the defence costs, including when legal action turns out to be groundless.
Coverage does not include criminal prosecution, nor a wide range of potential liabilities under civil law that are not enumerate in the policy, but which may be subject to other forms of insurance.
Professional liability insurance is required by law in some areas for certain kinds of professional practice (especially medical and legal), and is also sometimes required under contract by other businesses that are the beneficiaries of the advice or service.
Furthermore, certain provisions in the Companies Act prohibit the Company from indemnifying the Directors unless they are innocent.
Hence, they are susceptible to suits in their personal capacity for various types of possible allegations of wrongful acts. Possible litigants are Shareholders, Creditors, Competitors, Fellow Directors, Public Interest Groups, Employees, Clients and Regulators. The D&O policy is meant to protect directors and officers personal assets in the event of such a claim.
Scope of Cover
The D&O policy usually has two Insuring contracts. The first contract is known as "The Directors & Officers Contract" which provides indemnity to the Director or Officer.
The second contract is known as the Corporate Reimbursement Contract. This cover will trigger when a Director or Officer who has incurred a loss seeks reimbursement from the Company. The Company then can call for the policy to reimburse the amount that it has compensated the Director or Officer.
In addition to these two contracts, D&O policies can also be extended to cover the entity. The two most commonly Entity Extensions found in D&O policies are Entity Employment Practices Liability extension and Entity Securities Claims extension. However, both these extensions are usually offered as sub-limits to the D&O policy.
Why the need for D&O Liability Insurance?
There are many duties that are associated to being a director or officer of the company. The common law requires directors to carry out their duties with care and skill. Directors and officers are considered fiduciaries of companies and thus are responsible for managing the affairs of their organizations. Furthermore, there
are also statutory duties imposed upon the directors. A breach of any of these duties may result in them facing lawsuit brought by the company, its shareholders or in those doing business with the company or worse criminal prosecution including imprisonment and fines.
Under the Company Act, Section 140 (1) prohibits indemnification of a director or officer by a company in respect of negligence, default, breach of duty or breach of trust of which he may be guilty in relation to the company.
As such, the best protection is to insure against these potential liabilities.
What is covered?
D&O policy provides financial protection to the individual directors and officers of a company for wrongful acts. It protects these individuals from personal liability in the event of a claim or lawsuit against them claiming wrongdoing in connection with the company’s business. It also provides for the cost of defence, investigating, monitoring of any claim or proceedings and appeals incurred with the written consent of the insurer.
Who sues Directors or Officers?
Shareholders
Employees
Creditors
Regulators, Authorities
Competitors
What to do in the event of a claim?
The insured shall give notice in writing to the insurance company immediately of any claim made against the Insured or the discovery by the Insured of any loss, or any circumstances of which the Insured becomes aware which are likely to give rise to such a claim or loss.
The insured shall not admit liability for or settle any claim or incur any costs or expenses in connection therewith without consent of the insurer.
Professional Indemnity Insurance Malaysia
Anyone providing professional services has a duty to ensure that both their clients and third parties do not suffer any financial losses as a result of the services provided.
In the event that a service provider causes a loss, he or she is liable in law to compensate the person/s who have suffered a loss.
Normally the victim would have to establish negligence on the part of the service provider in order to succeed in a claim.
Professional Indemnity Insurance is a solution for service providers to transfer the risk of being sued for a mistake that they might make.
Traditionally professionals like Architects, Engineers, Accountants, Doctors, Lawyers, Surveyors and Valuers often purchase Professional Indemnity policies.
Professional Indemnity policies like most other liability policies is written on a ‘Claims-Made Basis’.
Scope of Cover
Unlike other general liability policies, Professional Indemnity policy normally provides indemnity to the Insured against financial losses only arising from the provision of professional services. Indemnity for defense costs and expenses is also provided.
However, in certain circumstances the policy will cover losses arising from Bodily Injury and Property Damage. For instance the Engineers' Professional Indemnity Policy will only respond to claims arising from Bodily Injury or Property Damage as a result of negligence on the Engineers part in discharging their Professional Services.
Who need Product Liability Insurance?
If you are a manufacturer, vendor, supplier, retailer or an exporter, you are exposed to the risk of product liability claims. Product Liability Insurance will protect you against claims resulting from a personal injury or damage to property caused by your product or services to another person or business.
Product Liability Insurance provides cover for:-
indemnifies the Insured against all sums which the Insured shall legally liable to pay as damages in respect of accidental bodily injury or loss of or damage to property caused by the insured products or goods
legal costs and expenses incurred in the defence and / or settlement of claim brought against the Insured, with the written consent of the insurer.
What to do in the event of a claim?
The insured shall give notice in writing to the insurance company immediately of any claim made against the Insured or the discovery by the Insured of any loss, or any circumstances of which the Insured becomes aware which are likely to give rise to such a claim or loss.
The insured shall not admit liability for or settle any claim or incur any costs or expenses in connection therewith without consent of the insurer.
Generally, product liability claims arise from the following three core causes :
Design Defect
Manufacturing Defect
Marketing Misrepresentation
Scope of Cover
Product Liability Insurance is commonly written in a ‘Claims-Made Basis’ form.
It is a liability policy, which will indemnify the Insured against all losses arising from the consumption or use of the product giving rise to the following:
accidental bodily injury
accidental damage to property
any legal expenses incurred by the Insured in defending legal proceedings with the Company's written consent
However, there are exceptions: -
The Policy does not cover: -
(a)...
(b) Defaults of an employee occurring after previous acts of dishonesty by the same employee have been discovered or suspected,
(c) Losses occurring after there has been a change in the system of Supervision and check exercised over the employees and their accounts which has not received the Company's prior approval,
(d) Cash or stock shortages not caused by fraud or dishonesty or trading losses, which cannot be accounted for.
Basis of insurance
Named Employees identified by name can be guaranteed for a specified amount each or a single sum Employees covering two or more employees.
Unnamed Employees may be identified in groups according to their category of employment.
Employees You may include all of your employees with a single overall limit of guarantee (referred to in the proposal as the 'blanket' basis) or you can guarantee employees in specified categories only with a separate amount of guarantee applying to each category (the 'positions' basis.
ALL of the employees in a defined category are to be covered and the employer is required to provide an estimate of the MAXIMUM number of employees in each category that he expects to be working at any one time during the period of insurance.
At renewal the employer must provider details of the actual MAXIMUM number of employees in each category during the previous period of insurance.
Premiums Premiums vary according to the nature of the business, the nature of the employee's duties and the amount of the guarantee. A quotation will be given on receipt of a completed form.
References The Policy is issued usually on the basis that the employer takes up references before engaging new staff. In certain circumstances the Company may perform this service for a fee.
ACPG Principal Insurers is one of the panel insurance companies appointed and approved by the Ministry of Human Resources to underwrite the Foreign Workers Compensation Scheme (FWCS). The FWCS was created to protect the interest and welfare of all foreign workers in Malaysia. This scheme provides for the payment of compensation benefits to a foreign worker who possesses valid employment document for injuries sustained due to accident which arises out of or in the course of employment or if the death results from the accident.
The Workmen's Compensation Act 1952 was amended in August 1996 - Section 26(2) of the Amended Act deems it mandatory for each employer to insure all the foreign workers employed by him in respect of any liability he may incur under the Workmen's Compensation Act 1952.
Scope of Cover
ACCIDENTAL DEATH
Up to RM25,000.00 In the event of death of the insured Foreign Worker resulting from personal injury due to accident in the course of employment.
RM23,000.00 - In the event of death of the insured Foreign Worker resulting from personal injury due to accident after working hour.
PERMANENT TOTAL DISABLEMENT
A sum of RM23,000.00 in the event of permanent total disablement occurring within 12 months of the accident.
PERMANENT PARTIAL DISABLEMENT
A sum of money based on the capital sum of RM23,000.00 calculated in accordance with the First Schedule of the Workmen's Compensation (Amendment) Act 1996.
TEMPORARY TOTAL DISABLEMENT
A sum of money calculated in accordance with Section 8(e) of the Workmen's Compensation Act 1952.
MEDICAL EXPENSES
In accordance to the provisions of Workmen's Compensation Act 1952.
OCCUPATIONAL DISEASE
As per Second Schedule of the Workmen's Compensation (Amended) Act 1996.
REPATRIATION EXPENSES
The repatriation expenses shall be the actual expenses incurred or RM4,800.00 whichever is the lesser, for the transportation of the insured Foreign Worker to his/her country of origin in the event he/she dies or suffers permanent total disablement.
Foreign Workers Insurance Guarantee Malaysia (FWIG)
All employers have to either place cash or obtain an Insurance Guarantee (IG)/Bank Guarantee (BG) in favour of the Immigration Department for each worker they employ. The employers, especially those who employ a number of workers normally obtain the IG/BG from insurance companies rather than placing cash or using their own Bank facilities.
Scope of Cover
The amount of guarantee varies according to nationalities
e.g.: RM250.00
for each Indonesian and RM500.00 for each Bangladeshi. Append below the
circumstances under which the BG or IG may be called by the Immigration
Department :
- Breach of Section of the Immigration Act of Malaysia
- If worker get married/become pregnant during her stay
- If worker remains in Malaysia after the expiry of permit or visa
- If the employer fail to provide air passage for the worker to his country of origin upon expiry of permit/visa
- If the employer fails to provide costs of transportation for the worker mortal remains to his country of origin
- If the employer refuses to pay the worker's salary
- If the worker involved in illegal and illicit activities, such as drug, immoral work and others
- If the worker engages in any of employment paid or unpaid or in any business or any occupation or activity detrimental to security and well being of Malaysia
Foreign Workers Hospitalization & Surgical (FWHS/SKHPPA)
Zurich is in the panel of insurers approved by the Ministry of Health to provide the new Skim Kemasukan Hospital & Pembedahan Pekerja Asing (SKHPPA) or also known as Foreign Worker Hospitalization & Surgical Insurance (FWHS) which was made mandatory with effect from 01 January 2011.
This scheme provides foreign workers a cashless admission into a Non-Corporatised Malaysian Government Hospital. The hospitalization and surgical benefits is as charged in accordance to charges consistent with Third (3rd) Class Room and Board to a maximum of RM60.00 per day in conformance to charges specified under Fees Act 1951, Fees (Medical) Order 1982 up to a maximum overall annual limit of RM10,000.00 against accidental injuries and illnesses. The cashless admission will be administered by a Third party Claims Administrator (TPCA) approved by the Ministry of Health.
The annual premium inclusive of TPCA fees is RM120.00 per worker and it is sold on a Cash-Before-Cover basis as mandated by the Ministry of Health.
Scope of CoverTABLE OF BENEFITS (ANY ONE DISABILITY)
ITEM | BENEFITS | AMOUNT (RM) |
1(a) | Daily Hospital & Room Board (Maximum up to 30 days) | As charged in accordance to charges consistent with Third (3rd) Class Room & Board to a maximum of RM60.00 per day in a Non-Corporatized Malaysian Government Hospital in conformance to the charges specified under Fees Act 1951, Fees (Medical) Order 1982 |
1(b) | Intensive Care Unit (ICU) (Maximum up to 15 days) | |
2 | Hospital Supplies and Services | |
3 | Operating Theatre | |
4 | Surgical fees (Excluding Organ Transplantation) | |
5 | Anaesthetist Fees | |
6 | In-Hospital Physician Visits (Maximum up to 30 days) | |
7 | In-Hospital Specialist Consultation Visits (Maximum up to 30 days) | |
8 | Ambulance Fees / Medical Report Fees | |
Maximum Overall Annual Limit |
RM10,000.00 | |
ANNUAL PREMIUM : RM120.00 per Insured Person |
IMPORTANT NOTE
All benefits payable for any number of disabilities in any one given period of Insurance is subject to the Overall Annual Limit of RM10,000.00 per Insured Person.
Foreign Workers Insurance Guarantee is a guarantee required by Immigration Department from Employers as a security deposit for the employment of foreign workers in various sectors.
The amount and the period of guarantee are pre-determined by the Department. They will be based on the nationality of the workers.
The amount of guarantee ranged from RM 250.00 to RM 3,500.00.
The duration required ranged from thirteen (13) to thirty six (36) months. The most common duration required is eighteen (18) months.
The guarantee will be called by the department if the repatriation of the workers becomes necessary.
FOREIGN WORKERS COMPENSATION SCHEME (FWCS)
Under Section 26 the Workmen’s Compensation (Amendment) Act 1996, it is mandatory for Employers to insure all the foreign workers employed by them under the Foreign Worker’s Compensation Scheme.
ACPG Principal Insurers is the Panel of Insurers appointed by Labour Dept. to provide Insurance Cover to all foreign workers as provided under the Act.
The Foreign Workers Plus is specially designed to give an additional cover on top of the Compulsory Foreign Workers Compensation Scheme (FWCS).
Foreign Workers-Plus Coverage
This Foreign Workers Compensation Scheme Plus Policy covers the Insured Life/Lives who are foreigners holding valid work permit against bodily injury caused by violent, accidental, external and visible means, which injury shall solely and independently pf any other cause result in the following losses, benefits of which are payable as specified in the Schedule:
DEATH
occurring within twelve calendar months of bodily injury due to an accident.
PERMANENT DISABLEMENT
occurring within twelve calendar months of bodily injury due to an accident. The percentages are as stated in the scale under the Scale of Benefits.
MEDICAL AND SURGICAL EXPENSES
reimbursement on the actual, necessary and reasonable medical, hospital or surgical expenses incurred in the treatment of injuries resulting from an accident, provided such treatment is received from qualified medical practitioner or whilst confined in a government or licensed private hospital.
A boiler or pressure vessel stores substantial energy which on being released by explosion causes extensive damage and sometimes injury. Therefore protection is needed against serious consequence of a major boiler or pressure vessel explosion.
This policy provides coverage for Boiler or Pressure Vessel caused by and solely due to explosion of any boiler or pressure vessel insured whilst in the course of ordinary working.
Boilers, steam apparatus and other pressure vessels may be insured on its own through the Boiler Explosion policy. A boiler stores up substantial energy, which when released by explosion, can cause extensive damage and sometimes bodily injury.
Scope of Cover
The policy is designed to cover explosion (the sudden and violent rending or tearing apart of the permanent structure of a boiler or other apparatus by force of internal steam or fluid pressure) and collapse (the sudden and dangerous distortion of any part of a boiler or other apparatus by bending or crushing caused by steam or fluid pressure).
Among covers provided by the policy are damage to the boiler or other apparatus described in the schedule, damage to auxiliaries and surrounding property e.g. buildings and machinery, liability of the Insured at law for fatal or non-fatal injuries sustained by any non-employee, liability of the Insured at law for damage to property belonging to third parties. The policy can also be extended to cover inland transit, extra cost for overtime, express delivery and airfreight.
General policy exclusions include defects due to wearing away or wasting of materials, grooving or fracturing whether by leakage corrosion or by fuel action, failure of individual tubes in boilers of water tube, damage to Insured's property caused by fire whether resulting from explosion or any other cause whatsoever, loss sustained by stoppage of work, loss or damage arising out of hurricane, cyclone or other convulsion of nature, any kind of consequential losses.
Civil Engineering Completed Risks Insurance
This policy provides cover for loss or damage to completed civil engineering properties or structures such as road, bridges, tunnel, dam and etc. Coverage is only granted for material damage to the structures insured and only repair costs are indemnifiable.
The policy covers the following perils:
• fire, lightning, explosion, impact by land borne/water borne vehicles
• impact of aircraft, aerial devices
• earthquake, volcanism, tsunami
• storm
• flood, inundation, wave action, water
• subsidence, landslide, rock slide
• frost, avalanche, ice
• vandalism
Contractor's All Risks Insurance (CAR) Kuala Lumpur Malaysia
This policy is designed to provide protection against loss or damage in respect of the contract works at contract site and third party claims arising in connection with the construction of a project.
With additional premium, the cover may include Construction Plant and Equipment, Construction Machinery, Removal of Debris, Professional Fees and Principal’s Existing Property.
Duration of cover corresponds with the contract period which is stipulated in the Letter of Award.
Contractors' Plant & Machinery Insurance
This policy provides coverage for the plant and machinery used by the contractors at the site for various projects. It provides protection against loss or damage from any cause not specifically excluded in a manner necessitating repair or replacement.
The sum insured should equal to the cost of replacement of the same kind and capacity via cost of replacement including freight, dues and customs duties plus cost of erection.
Deterioration of Stock In Cold Storage Insurance
This policy provides coverage against loss due to deterioration of stock in the cold-storage rooms following from material damage to the refrigeration plant which is indefinable under the Machinery Breakdown Insurance.
Electronic Shield Insurance
This policy provides protection against loss or damage to equipment which are electronically dominant.
The policy comprises 3 sections as follow:
SECTION 1 MATERIAL DAMAGE COVER
Cover all electronic equipment against all unforeseen and sudden physical loss or damage to the insured items which have not expressly excluded.
SECTION 2 DATA MEDIA COVER
Cover the Data Media such as disks and tapes external to the computer system due to material loss or damage which is indemnifiable under Section 1 of the policy.
SECTION 3 INCREASED COST OF WORKING
Provide indemnity for additional expenditure inccurred for cost of hiring equipment following material loss or damage which is indemnifiable under Section 1 of the Policy.
Erection All Risks Insurance
The policy covers all kinds of erection and testing on individual machine, industrial machinery, industrial plants, steel works and/or structure as well as third party property and/or bodily injury arising in connection with the erection work.
The cover may include Civil Engineering Works, Equipment for Erection, Removal of Debris, Professional Fees and Principal’s Existing Property.
Duration of cover corresponds with the contract period which is stipulated in the Letter of Award.
Loss Of Profit Following Machinery Breakdown Insurance
This policy is designed to provide coverage for loss of gross profit due to business interuption caused by an accident indefinable under Machinery Breakdown Insurance. The loss of gross profit is as a result of reduction in turnover due to decreased in production and increased in cost of working.
Machinery Breakdown Insurance
This policy provides insurance cover for sudden and unforeseen physical damage or loss to the insured machine whilst either at work or rest and during cleaning, inspection, over-hauling or removal to another position within the premises. It covers all "accidental" damage or loss from any causes except those specifically excluded in the policy.
Duration of cover is for one year. You need to renew your insurance policy annually.
Storage Tank Insurance
Provides protection against sudden and unforeseen physical loss or damage to storage tanks caused by bursting, splitting, rupture or collapse. The policy can be extended to covers loss of contents contained in the storage tanks and must be directly resulting from any material damage to the storage tank which is indefinable.
Contractor's All Risks
This policy is designed to provide protection against loss or damage in respect of the contract works at contract site and third party claims arising in connection with the construction of a project.
With additional premium, the cover may include Construction Plant and Equipment, Construction Machinery, Removal of Debris, Professional Fees and Principal’s Existing Property.
Duration of cover corresponds with the contract period which is stipulated in the Letter of Award.
This policy provides coverage for the plant and machinery used by the contractors at the site for various projects. It provides protection against loss or damage from any cause not specifically excluded in a manner necessitating repair or replacement.
The sum insured should equal to the cost of replacement of the same kind and capacity via cost of replacement including freight, dues and customs duties plus cost of erection.
Deterioration of Stock In Cold Storage Insurance
This policy provides coverage against loss due to deterioration of stock in the cold-storage rooms following from material damage to the refrigeration plant which is indefinable under the Machinery Breakdown Insurance.
Electronic Shield Insurance
This policy provides protection against loss or damage to equipment which are electronically dominant.
The policy comprises 3 sections as follow:
SECTION 1 MATERIAL DAMAGE COVER
Cover all electronic equipment against all unforeseen and sudden physical loss or damage to the insured items which have not expressly excluded.
SECTION 2 DATA MEDIA COVER
Cover the Data Media such as disks and tapes external to the computer system due to material loss or damage which is indefinable under Section 1 of the policy.
SECTION 3 INCREASED COST OF WORKING
Provide indemnity for additional expenditure incurred for cost of hiring equipment following material loss or damage which is indefinable under Section 1 of the Policy.
The policy covers all kinds of erection and testing on individual machine, industrial machinery, industrial plants, steel works and/or structure as well as third party property and/or bodily injury arising in connection with the erection work.
The cover may include Civil Engineering Works, Equipment for Erection, Removal of Debris, Professional Fees and Principal’s Existing Property.
Duration of cover corresponds with the contract period which is stipulated in the Letter of Award.
Loss Of Profit Following Machinery Breakdown Insurance
This policy is designed to provide coverage for loss of gross profit due to business interuption caused by an accident indefinable under Machinery Breakdown Insurance. The loss of gross profit is as a result of reduction in turnover due to decreased in production and increased in cost of working.
A boiler or pressure vessel stores substantial energy which on being released by explosion causes extensive damage and sometimes injury. Therefore protection is needed against serious consequence of a major boiler or pressure vessel explosion.
This policy provides coverage for Boiler or Pressure Vessel caused by and solely due to explosion of any boiler or pressure vessel insured whilst in the course of ordinary working.
This policy provides cover for loss or damage to completed civil engineering properties or structures such as road, bridges, tunnel, dam and etc. Coverage is only granted for material damage to the structures insured and only repair costs are indefinable.
The policy covers the following perils:
• fire, lightning, explosion, impact by land borne/water borne vehicles
• impact of aircraft, aerial devices
• earthquake, volcanism, tsunami
• storm
• flood, inundation, wave action, water
• subsidence, landslide, rock slide
• frost, avalanche, ice
• vandalism
Machinery Breakdown Insurance
This policy provides insurance cover for sudden and unforeseen physical damage or loss to the insured machine whilst either at work or rest and during cleaning, inspection, over-hauling or removal to another position within the premises. It covers all "accidental" damage or loss from any causes except those specifically excluded in the policy.
Scope of Cover
The Machinery Breakdown Insurance policy covers sudden and unforeseen physical damage or loss due to any accidental electrical or mechanical breakdowns to the Insured machinery whilst being at work or rest and during any cleanup, inspection, overhauling or subsequent re-erection and removal to another position within the premises.
The policy provides cover in respect of faulty material used in the machinery, faulty design, construction or erection, bad workmanship, lack of skill, carelessness, shortage of water in boilers, defective lubricant, loosening of parts, stress, molecular fatigue, heating, tearing apart due to centrifugal force, explosion / implosion, electrical faults like excessive voltage or short circuits, faulty insulation of wires, failure of connected machinery, failure of safety devices and obstruction or entry of foreign bodies into the machine.
Some of the policy exclusions are loss or damage caused by faults or defects existing at the commencement of the policy, fire, lightning, explosion (other than disruption of turbines, transformers, switchgear etc.), theft / burglary, collapse of building, flood, storm, earthquake, subsidence and landslide, impact due to aircraft/aerial devices, water damage, consequential loss or liability, wear and tear erosion or rust resulting from natural or ordinary usage or gradual deterioration, parts not made of metal (other than insulators of electrical conductors) or exchangeable parts and tools e.g. belts, ropes, wires, chains, tyres, rubber and glass and operating media e.g. lubricants, fuels, catalyst, deductibles applicable, loss or damage for which the manufacturer or supplier is responsible either by law or under contract, wilful act or gross negligence of Insured / representative, war risk, terrorism, riot, strike, civil commotion, government destruction / confiscation and nuclear risks.
Subject to underwriting, the policy can be extended to cover for strike, riot, civil commotion; overtime, nightwork and express freight, air freight, surrounding property and third party, flue gas explosions in boilers and furnaces, where applicable.
The Machinery Breakdown Loss of Profits Insurance is an optional cover that could be purchased to supplement the Machinery Breakdown insurance. It protects the loss of gross profits and/or increased cost of working due to a continuing interruption to business caused by a breakdown covered by the Machinery Breakdown insurance. The interruption usually comes in the form of time spent in arranging repairs, awaiting delivery of repaired or replacement parts (sometimes from overseas), starting up the plant and re-activating the business.
Scope of Cover
With increasingly sophisticated machinery and longer delivery periods from manufacturers, any such interruption is a cause of great concern to the owners especially when the cash flow dries up, standing charges are not met, wages and creditors remain to be paid and shareholders looking for a profit, a situation which this Loss of Profits policy is designed to remedy.
The Electronic Equipment Insurance is a product specially designed to provide an 'all risks' accidental damage cover to most electrical and electronic systems such as information technology systems, electronic medical equipment, computers and communication equipment, research and laboratory equipment, traffic and navigation systems among others.
Scope of Cover
Cover is for sudden and unforeseen damage or losses which physically affect the subject matter insured due to fire, lightning, explosion, failing aircraft, smoke, soot, corrosive gases, water and humidity, failure of air conditioning, short circuit and other electrical causes, design, manufacturing, assembly and erection faults, defects in casting and material, workshop errors, bad workmanship, faulty operation, lack of skill, gross negligence, malicious acts of workmen, employees, third parties, burglary, frost etc.
Standard policy exclusions are war or warlike operations, terrorism, civil commotion of any kind as well as acts on the part of strikers and locked-out persons, wilful acts or wilful negligence on the part of the insured or of his representatives, faults or defects for which a third party (supplier) is responsible either by law or under contract (losses covered by warranty), wear and tear, failure or interruption of gas, water or electricity services (certain exceptions being possible in special cases), aesthetic defects, e.g. scratches on painted, polished or varnished surfaces, consequential loss and liability of all kinds (with the exception of additional expenses for computer operation)
Some of the extensions available are strike, riot and civil commotion, overtime and express freight expenses, airfreight, theft, mobile and portable equipment, earthquake, hurricane, cyclone and typhoon, full replacement value, fire, lightning, explosion and impact of aircraft, flood, inundation, storm or tempest, air-conditioning, lightning and over-voltage protection devices, cover for additional expenditure incurred for re-programming and transport, cover for additional expenditure for the restoration of IT system etc.
The mechanical damage or failure of electrical supply under certain conditions can cause the rise or fall in temperature, allow unforeseen escape of refrigerant gas or result in incorrect storage temperature in controlled environment.
Scope of Cover
The Deterioration of Stock insurance is designed as a cover against deterioration of stock in cold storage due to a breakdown of the refrigerating plant / machinery as a result of any material damage to the refrigerant plant which is indemnifiable under the Machinery Breakdown Insurance. The mechanical damage or failure of electrical supply under certain conditions can cause the rise or fall in temperature, allow unforeseen escape of refrigerant gas or result in incorrect storage temperature in controlled environment.
Some of the standard exclusions of our policy are the excesses applicable, loss due to shrinkage, inherent defects or disease, natural deterioration/ purefaction, improper storage, damage to packing material, insufficient circulation of air, non-uniformity of temperature, temporary repair of the refrigeration machinery without the Insurer's consent, consequential loss, penalties for delay, war risks, nuclear radioactive contamination, wilful act and negligence, fire lightning, chemical explosion, aircraft damage, theft, collapse of a building, flood, convulsion of nature.
Where applicable and subject to underwriting, the policy can be extended to cover deterioration to the stock due to failure of public or non-public power supply.
Storage Tank Insurance
Provides protection against sudden and unforeseen physical loss or damage to storage tanks caused by bursting, splitting, rupture or collapse. The policy can be extended to covers loss of contents contained in the storage tanks and must be directly resulting from any material damage to the storage tank which is indefinable.
With increased needs for bulk storage capacities for liquid or semi liquid raw materials and finished goods, large tank storage facilities and tank farms are not uncommon in many industrial complexes.
The invariably high values of the tanks and the stored commodities therein, such as petrochemicals, chemicals, oleo chemicals, palm oil, latex and various other materials coupled with the fact that rising costs of materials, labour and transport are leading to more expensive repairs and replacements, it is quite evident why a specially tailored Storage Tank Installation policy should be given due consideration.
Scope of Cover
The Storage Tank Installation Policy provides protection against sudden and unforeseen physical loss or damage to storage tanks caused by bursting, splitting, rupture or collapse. The Policy can be extended to cover loss of contents contained in the storage tanks.
Some of the standard policy exclusions are fire, lightning, flood, chemical explosion, aircraft, earthquake, hurricane, strike, riot and civil commotion, Wear and tear, wearing away, wasting of the material, gradual deterioration or the cost of rectifying property which is defective in design, material or workmanship, subsidence or other ground movement or displacement, cost of re-levelling any tank unless necessitated solely by accident causing indemnifiable damage to the said tank, war, civil war or nuclear risks, gradual losses by seepage, evaporation or any form of normal trade loss, all consequential losses whatsoever, e.g. caused by pollution of the environment, removal of escaped products or damage to surrounding property.
Covers well established organisations, i.e. organisations or firms with proper accounting procedures, full annual audit and effective systems of check and supervision.
Scope of Cover
Indemnifies employers against loss of monies, negotiable instruments or goods belonging to the employer or for which they are responsible as a result of the dishonesty of their employees.
The acts of fraud or dishonesty must be committed:
during the period of insurance
during the uninterrupted continuance of employment of the said employee
in connection with the occupation and duties of the said employee
The acts of fraud or dishonesty must be discovered during either:
period of insurance or
not later than 3 months after termination of the policy or
not later than 6 months after termination of employment of such employee
whichever event shall first happen
Basis of Coverage
Named Basis
Covers individual persons named in the policy for a specific amount
Position Basis
Covers named positions eg cashiers, company secretary, accountant, storekeeper, etc without names of employees being indicated. This avoids the necessity to amend the policy following staff changes. The sum insured is a specific amount corresponding to the position and subject to an aggregate limit per period of insurance
Blanket
Covers all employees irrespective of positions held and an indemnity up to a stated amount in respect of acts of one or more employee. The sum insured is fixed for anyone loss and in the aggregate anyone period of insurance.
Erection All Risks Insurance
The policy covers all kinds of erection and testing on individual machine, industrial machinery, industrial plants, steel works and/or structure as well as third party property and/or bodily injury arising in connection with the erection work.
The cover may include Civil Engineering Works, Equipment for Erection, Removal of Debris, Professional Fees and Principal’s Existing Property.
Duration of cover corresponds with the contract period which is stipulated in the Letter of Award.
Loss Of Profit Following Machinery Breakdown Insurance
This policy is designed to provide coverage for loss of gross profit due to business interuption caused by an accident indefinable under Machinery Breakdown Insurance. The loss of gross profit is as a result of reduction in turnover due to decreased in production and increased in cost of working.
Boiler & Pressure Vessel Insurance
A boiler or pressure vessel stores substantial energy which on being released by explosion causes extensive damage and sometimes injury. Therefore protection is needed against serious consequence of a major boiler or pressure vessel explosion.
This policy provides coverage for Boiler or Pressure Vessel caused by and solely due to explosion of any boiler or pressure vessel insured whilst in the course of ordinary working.
Contractor's All Risks
This policy is designed to provide protection against loss or damage in respect of the contract works at contract site and third party claims arising in connection with the construction of a project.
With additional premium, the cover may include Construction Plant and Equipment, Construction Machinery, Removal of Debris, Professional Fees and Principal’s Existing Property.
Duration of cover corresponds with the contract period which is stipulated in the Letter of Award.
Contractors' Plant & Machinery Insurance
This policy provides coverage for the plant and machinery used by the contractors at the site for various projects. It provides protection against loss or damage from any cause not specifically excluded in a manner necessitating repair or replacement.
The sum insured should equal to the cost of replacement of the same kind and capacity via cost of replacement including freight, dues and customs duties plus cost of erection.
Deterioration of Stock In Cold Storage Insurance
This policy provides coverage against loss due to deterioration of stock in the cold-storage rooms following from material damage to the refrigeration plant which is indefinable under the Machinery Breakdown Insurance.
Electronic Shield Insurance
This policy provides protection against loss or damage to equipment which are electronically dominant.
The policy comprises 3 sections as follow:
SECTION 1 MATERIAL DAMAGE COVER
Cover all electronic equipment against all unforeseen and sudden physical loss or damage to the insured items which have not expressly excluded.
SECTION 2 DATA MEDIA COVER
Cover the Data Media such as disks and tapes external to the computer system due to material loss or damage which is indemnifiable under Section 1 of the policy.
SECTION 3 INCREASED COST OF WORKING
Provide indemnity for additional expenditure incurred for cost of hiring equipment following material loss or damage which is indefinable under Section 1 of the Policy.
Civil Engineering Completed Risks Insurance
This policy provides cover for loss or damage to completed civil engineering properties or structures such as road, bridges, tunnel, dam and etc. Coverage is only granted for material damage to the structures insured and only repair costs are indefinable.
The policy covers the following perils:
• fire, lightning, explosion, impact by land borne/water borne vehicles
• impact of aircraft, aerial devices
• earthquake, volcanism, tsunami
• storm
• flood, inundation, wave action, water
• subsidence, landslide, rockslide
• frost, avalanche, ice
• vandalism
Machinery Breakdown Insurance
This policy provides insurance cover for sudden and unforeseen physical damage or loss to the insured machine whilst either at work or rest and during cleaning, inspection, over-hauling or removal to another position within the premises. It covers all "accidental" damage or loss from any causes except those specifically excluded in the policy.
Provides protection against sudden and unforeseen physical loss or damage to storage tanks caused by bursting, splitting, rupture or collapse. The policy can be extended to covers loss of contents contained in the storage tanks and must be directly resulting from any material damage to the storage tank which is indefinable.
Bond is an instrument to guarantee the performance of the Contractor in fulfilling the contractual obligations/ responsibilities as required by the Principal (in a construction or construction-related contract).
In the event of default of the said contractual obligations/ responsibilities by the Contractor, the Principal shall be entitled to demand the amount of the Bond and the Insurance Company shall pay the said amount guaranteed accordingly. The Insurance Company, in turn, shall recover the losses from the Contractor and the guarantors.
Bond can be issued either in the form of a Bank Guarantee or an Insurance Guarantee.
Tender Bond
This is required by a Contractor in connection with the submission of tender for a contract job to the Principal.
The purpose of the Bond is to guarantee the Contractor submits a bone-fide tender, stands by it, and is capable of providing a Performance Bond in the event the said Contractor's tender is accepted by the Principal.
Performance Bond
This is required in the event a Contractor's tender is accepted by the Principal and a Letter of Award is issued.
The purpose of the Bond is to guarantee the Contractor is able to fulfill the contractual obligations towards completion of the contract.
Advance Payment Bond
This is required in the event a Contractor is applying for an advance payment from the Principal to help funding the preliminary costs and mobilization works of the contract.
The purpose of the Bond is to guarantee the Contractor is able to make repayments for the advanced money. The mode of repayment is through deduction/recoupment from subsequent progress payments, the quantum of which is determined by the Principal.
This type of Bond is only applicable for Government contracts only.
Bonds, which may be required in almost every sphere of inter-personal and inter-corporation transactions, are very wide in scope. Generally speaking, it is not a form of insurance business but because of the fact that insurance companies are financial institutions, their bonds are acceptable, hence the involvement of insurance companies in bonding business, particularly those bonds which can generate other classes of insurance business for example, bonds business which are secured together with other project insurances like the Contractors'/Erection All Risks, Public Liability and Workmen's Compensation insurance.
Under the PIAM Bond Underwriting Guidelines, the total bond business which an insurer can underwrite is limited to 5% of the total gross premium of the company based on the previous financial year (not restricted to new business only but can include extension of existing contracts, i.e. on total).
There are certain peculiar features in Bonds:
A bond once issued, is non-cancellable before its expiry date.
All bonds issued to contractors for government projects are demand bonds and are worded in such a way that they can be invoked by the holder of the bond without any reason and explanation. The Insurer is obliged to pay upon demand notwithstanding any dispute or protest by the contractor or insurer or any third party.
The most common types of bonds in use in connection with the construction industry are :
Bid or Tender Bond
Performance Bond
Advance Payment Bond (for government contract only)
Definitions
Types of bonds
Bid or Tender Bond
This is a guarantee required in connection with the submission of tenders for contract jobs with Public Authorities or Private Principals where relevant.
The bond value is usually a fixed amount determined by the Principal.
The main objective of this bond is to guarantee that the contractor who is awarded the contract will accept the Contract at the terms that was submitted by him to the principal. If he is unable to maintain his quotation, the Bond will be liquidated and the principal will request the surety to pay for the damages sustained up to the amount of the bond.
Performance Bond
This type of bond is usually required by the Principal to ensure that the Contractor fulfills his contractual obligations e.g. within the period specified or in accordance with the conditions of the contract.
The bond value is usually 5% of the contract value but this may vary.
If the Contractor does not complete the contract within the time specified and if no extension in the period is allowed, then the Bond or Guarantee is liquidated.
Advance Payment Bond (for Government Contract only)
This type of bond is only allowed for Government Contracts under the Persatuan Insurans Am Malaysia (PIAM) - General Insurance Association of Malaysia: Bond Underwriting Guidelines.
This is required when a Contractor applies for an advance payment from the Principal to help in the funding of the preliminary costs and mobilisation works of the contract.
The bond value ranges from 15% to 25% of the total contract value.
Foreign Workers Bond
This guarantee is required by the Immigration Department from an employer under Regulation 21 of the Immigration Regulations. It guarantees to pay the Director General of Immigration of Malaysian up to a maximum aggregate sum of the bond value, in the event that any of the foreign worker(s) is/are to be repatriated back to their home country in the course of their employment in Malaysia.
The duration of the bond and bond value for each foreign worker is fixed by the Immigration Department and it varies from country to country.
This policy covers you as an employer in respect of your statutory liability under the Workmen’s Compensation Law(s) as well as at Common Law to your employees who are generally not covered by SOCSO.
This policy indemnifies you against all sums for which you shall be liable to pay compensation to any employee for personal injury sustained by accidents or occupational diseases arising out of and in the course of his employment under:
The Workmen’s Compensation Act 1952 and the subsequent amendments to the Act or
The Common Law. The standard Common Law limit is RM1,000,000 any one accident and in the aggregate
The Public Liability Insurance Policy is designed to protect the insured in respect of his legal liability to pay compensation for accidental bodily injury or accidental damage to the property of the other person caused by or through the negligence of the insured or his employees or by any defect in the premises owned or any defects in the ways, works of the insured. In addition, the Policy also pays for the litigation costs and expenses for defense that are incurred with the written consent of the Company.
Scope of Cover
The company shall indemnify the Insured against all sum which the Insured shall become liable at law for damages and claimant's costs and expenses in respect of :
- accidental bodily injury to any person not being a member of the Insured's household or any person in the service of the Insured.
- accidental damage to property not belonging to or in the custody or control of the Insured.
- any legal expenses incurred by the Insured in defending legal proceedings with the Company's written consent.
Mobile Equipment
This class of insurance is specially designed to cover mobile vehicles or equipment which are not licensed for general road use. Some examples include forklifts, wheel loaders, agricultural tractors, excavators, bulldozers, crawlers etc.
Scope of Cover
The policy covers loss or damage to the property insured by :
Accidental collision or overturning or collision or overturning consequent upon mechanical breakdown or consequent upon wear and tear
Fire external explosion self-ignition or lightning
Theft
Malicious Act
Basis of Sum Insured
Equipment All Risks policy is an indemnity policy. The measure of an insured's loss is the cost of restoring the damaged property to or replacing it with property similar in condition to the time of loss:
Plant & Machinery : The cost of replacement with a new item less deduction for depreciation due to wear and tear.
Immobile Equipment
The coverage provided is very wide and embraces accidents or misfortunes not expressively excluded. This policy is used to cover immobile industrial or commercial equipment.
Scope of Cover
The policy covers loss or damage to the property insured arising from:
Fire and Lightning
Theft consequent upon violent or threat of violence to persons or forcible and violent entry into or exit from the Premise
External Accidental Damage
Basis of Sum Insured
Equipment All Risks policy is an indemnity policy. The measure of an insured's loss is the cost of restoring the damaged property to or replacing it with property similar in condition to the time of loss:
Plant & Machinery : The cost of replacement with a new item less deduction for depreciation due to wear and tear.
Coverage | : | Physical loss, destruction or damage to property on exhibition
by :-
|
Extension of Cover | : | Transit from warehouse, Insured's premises & hotels to exhibition site & vice versa, including risks during loading / unloading, lifting / lowering, shifting, positioning & dismantling and return freight |
Fire including lightning & perils (aircraft damage, explosion, RSMD & BWP)
Theft (accompanied by forcible entry)
Accident, Accident Damage & Misfortune
Extension of Cover : Transit from warehouse, Insured's premises & hotels to exhibition site & vice versa, including risks during loading / unloading, lifting / lowering, shifting, positioning & dismantling and return freight.
Third Party Liability Insurance Malaysia
Scope of Cover : Covering the Legal Liability of the Insured to Third parties for :
Accidental Bodily Injury, or Illness to any person
Loss of or damage to third party's property
Arising out of the Insured's Business and all other activities incidental to and happening during the period of insurance, including all cost and expenses of litigation.
Directors’ and Officers’ Liability Insurance is arranged to protect any persons who holds the office of a director or within the management of a company.
Directors and officers owe a duty of care to their companies and any breach of duty may cause damages to the company as they can be sued and held liable for large amounts of damages.
Liability may arise out of lack of care and skill in the performance of a director’s duties and often it is the shareholders who will bring an action in the name of the company.
1) accidental collision or overturning
2) collision or overturning consequent mechanical breakdown or consequent upon wear and tear
3) fire, external explosion, self-ignition, or lightning
4) burglary or theft
Fidelity Guarantee Insurance Malaysia
Scope of Cover :
To indemnify the Insured against all direct pecuniary losses arising from all Acts of Fraud or Dishonesty committed by any of the Insured Employees :
during the period of insurance
during the uninterrupted continuance of employment of such employee
Money Insurance Malaysia
Scope of Cover : Policy pays for loss of Money, as defined, by any cause not otherwise excluded, including cost of repairs to the safe and/or strongroom and/or cabinet and/or drawers, arising directly out of theft or attempt theft.
Employers' Liability Insurance Malaysia
Employers' Liability Insurance provides indemnity to the Insured against liability at law for damages and compensation and claimant's costs and expenses in respect of bodily injury or illness sustained by any person under a contract of service or apprenticeship arising out of and in the course of his employment by the Insured in the business.
For those categories of employees not protected by the Workmen’s Compensation Acts or SOCSO, liability at law still exists and the Employer can obtain indemnity under the Employer’s Liability Policy.
The employer can be held liable at common law if it can be proved that the injury or illness sustained had been caused by the employer.
Scope of cover
This policy indemnifies the Insured (the employer) from legal liability under the common law for damages and claimant's costs and expenses in respect of bodily injury by accident or disease sustained by any person under a contract of service or apprenticeship with the Insured and arising out of and in the course of employment by the Insured in the business.
The policy provides indemnity to employer due to negligence of the employer in failing to use reasonable care and skill in: -
Providing and maintaining a suitable and safe plant.
Providing and maintaining a safe place of work.
Providing and maintaining safe system of work.
Engaging suitable and competent employees.
Personal negligence
Negligence in failing to exercise reasonable care in engaging suitable and competent employees
Negligence in failing to exercise reasonable care in providing and maintaining suitable and safe plant and machinery.
Negligence in failing to exercise reasonable care in providing a safe place of work
Breach of duties laid down by statute or regulation for safety of employees
Personal negligence of fellow employers and their negligence in carrying out their duties in their employment.
Eligible Proposer
Any person or organisation who are employers.
Workmen’s Compensation Insurance Malaysia
This policy covers you as an employer in respect of your statutory liability under the Workmen’s Compensation Law(s) as well as at Common Law to your employees who are generally not covered by SOCSO.
This policy indemnifies you against all sums for which you shall be liable to pay compensation to any employee for personal injury sustained by accidents or occupational diseases arising out of and in the course of his employment under:
The Workmen’s Compensation Act 1952 and the subsequent amendments to the Act or
The Common Law. The standard Common Law limit is RM1,000,000 any one accident and in the aggregate.
This option covers you for potential large pay outs to repair your hotel if it is damaged by fire, flood or malicious damage. In some cases a hotel may need to be completely rebuilt so it is vital that you have insurance that that covers the full cost of such an incident.
Equipment – Your equipment could get damaged or break and you may want to arrange cover for specific pieces of equipment that you use on a day to day basis.
This covers a wide range of things. There are many different perils that your hotel could be affected by such as theft, fire and other aspects that pets can be affected by. For example, if you had an electricity failure, you would want to be covered for any subsequent damage that this could cause.
Public Liability
If any of your customers suffer any injury whilst in your hotel, they may wish to seek compensation against you and this would also entail legal fees. Given that these types of claims can run into millions of pounds, depending on the extent of the injury, it is highly advisable that you cover yourself against this risk.
1) Accidental bodily injury (including death or disease) to third parties
2) Accidental loss of or damage to property of third parties
Happening in connection with the business and occurring during the period of insurance.
The policy will also indemnify the insured against all claimant costs and expenses, and all costs and expenses of litigation incurred by
the insured with the written consent of the insurer.
Covers the legal liability of the insured in respect of the loss or damage to the effect of guest or visitors whilst such effects are in the custody od control of the insured and the said guests or visitors are in residence at the time of the occurrence or loss.
LIMIT OF INDEMNITY : RM 1,000.00 Any One Accident
RM 5,000.00 Any One Period
Excess : RM 500.00 on each every loss.
Employers’ Liability
If you have employees working in your hotel, they too may have an accident that causes an injury. This cover will protect you against compensation claims and legal fees associated to the claim.
SCOPE OF COVER : Coverage insured against burglary or robbery and protect goods and all properties which is/are properly locked
and secured in insured premises.
You can protect yourself against theft of cash stored on your premises, either in your till or in a safe. This will cover you against both employee theft and any other types of theft you may be subjected to.
a) Money in premises (inside premises) should be cash, bank notes, currency, cash notes including foreign notes and all other
negotiable instruments whilst in the Insured's premises anywhere in Malaysia in locked drawers/ locked steel cabinets/ locked cash
register/ locked safes during and after business hours.
SCOPE OF COVER : Accidental Damage of Plate Glass included Window glass, Door glass, mirror, signboard and all related plate
glass items.
Fidelity Guarantee Insurance
SCOPE OF COVER : Insures you against loss of money and/or property due to fraud or act of dishonesty of a staff.
The policy is designed for buildings with glass doors, windows, glass panels and showcases.
Scope of Cover
Indemnifies the Insured for accidental breakage of glass in the premises as specified in the policy to the extent of the market value of the glass broken. However, this shall not exceed the sum insured in respect of any one piece of glass and the aggregated total sum insured stated in the policy.
The word 'breakage' shall not include any disfiguration or damage other than fracture extending through the entire thickness of the glass.
Extensions available
Strike and Riot at additional 5% loading
Frames or Frameworks.
Mobile Equipment
This class of insurance is specially designed to cover mobile vehicles or equipment which are not licensed for general road use. Some examples include forklifts, wheel loaders, agricultural tractors, excavators, bulldozers, crawlers etc.
Scope of Cover
The policy covers loss or damage to the property insured by :
Accidental collision or overturning or collision or overturning consequent upon mechanical breakdown or consequent upon wear and tear
Fire external explosion self-ignition or lightning
Theft
Malicious Act
Basis of Sum Insured
Equipment All Risks policy is an indemnity policy. The measure of an insured's loss is the cost of restoring the damaged property to or replacing it with property similar in condition to the time of loss:
Plant & Machinery : The cost of replacement with a new item less deduction for depreciation due to wear and tear.
Immobile Equipment
The coverage provided is very wide and embraces accidents or misfortunes not expressively excluded. This policy is used to cover immobile industrial or commercial equipment.
Scope of Cover
The policy covers loss or damage to the property insured arising from:
Fire and Lightning
Theft consequent upon violent or threat of violence to persons or forcible and violent entry into or exit from the Premise
External Accidental Damage
Basis of Sum Insured
Equipment All Risks policy is an indemnity policy. The measure of an insured's loss is the cost of restoring the damaged property to or replacing it with property similar in condition to the time of loss:
Plant & Machinery : The cost of replacement with a new item less deduction for depreciation due to wear and tear
By ACPG Management Sdn Bhd (ACPG)
All Risks Insurance
This policy is on "All Risks” basis and cover your static machines or equipment, mobile equipment i.e. laptop within the Territorial Limit.
The policy covers:
• Loss of or damage to your property or any part thereof due to fire,
theft or any other accident or misfortune.
• Loss of or damage caused by perils unless such perils are specifically
excluded by this policy.
Machinery and Equipment Insurance
This policy is designed to cover immobile industrial or commercial equipment.
The policy covers:
• Fire and lightning
• Theft
• External accidental damage
Mobile Plant and Equipment Insurance
This policy is basically designed for Mobile Equipment that is not licensed for road use. Mobile equipment means self-propelled vehicles such as forklifts, excavators, mobile cranes, tractors etc.
This policy is also suitable for static heavy equipment designed to operate in the open or even within a premises.
This policy covers loss or damage to equipment, its standard accessories and parts whilst thereon by:
Accidental collision or overturning or collision or overturning consequent upon mechanical derangement
Fire, external explosion, self ignition or lightning
Burglary, housebreaking or theft
Public Liability Insurance
The Public Liability Insurance Policy is designed to protect the insured in respect of his legal liability to pay compensation for accidental bodily injury or accidental damage to the property of the other person caused by or through the negligence of the insured or his employees or by any defect in the premises owned or any defects in the ways, works of the insured. In addition, the Policy also pays for the litigation costs and expenses for defense that are incurred with the written consent of the Company.
Scope of Cover
The company shall indemnify the Insured against all sum which the Insured shall become liable at law for damages and claimant's costs and expenses in respect of :
- accidental bodily injury to any person not being a member of the Insured's household or any person in the service of the Insured.
- accidental damage to property not belonging to or in the custody or control of the Insured.
- any legal expenses incurred by the Insured in defending legal proceedings with the Company's written consent.
This policy provides cover for individuals who seek a wider protection than that of a Householders policy. It usually covers items that are small in size but high in value, e.g.: jewellery, gold and silver articles, watches and the like.
Scope of Cover
Indemnifies the Insured against loss of or damage by accidents or misfortune to personal effects within the territorial limits defined in the policy.
This Burglary policy provides insurance protection against incidents of theft to your property.
This policy covers loss or damage to the property insured whilst contained in the specified business or trade premises arising from:
Theft consequent upon actual, forcible and violent entry into the premises
Theft or any attempt thereat by a person felonious concealed on the said premises
Resulting of armed robbery
Resulting in damage to the property insured and premises due to such Theft or any attempt thereat
Premises mentioned shall not include any yard, garden, outbuilding, or other appurtenances unless specifically included in the schedule.
You can either insure your property on Full Value or First Loss basis:
1. FULL VALUE BASIS
This basis is adopted when there exists a possibility of your entire property insured being stolen at any one time. You must ensure adequacy of the sum insured since the insurance will be subject to the Average Clause and you will not be fully indemnified at the time of loss if the property is under insured. The correct sum insured should be what you consider to be the highest value at risk at any one time.
2. FIRST LOSS BASIS
This basis is adopted when it is not possible for your entire property insured to be stolen at the same time. The sum insured shall be based on your assessment.
BASIC COVER
They are two types of coverage granted by the Goods in Transit policy, namely:
Inland Transit (All Risk) Cover
Cover against loss or damage to the insured goods whilst in transit by road and/or rail caused by fire/lightning, theft, accidental or any unforeseen fortuitous circumstances unless specifically excluded in the policy, OR
Lorry Clause
Covers against loss or damage to the insured goods whilst in transit by road and/or rail caused by fire/lightning, overturning, derailment, collision and other accident to the vehicle/conveyance, such as involuntarily leaving the road, breakdown of bridges and consequent damage to the vehicle / conveyance and the goods insured.
AND it can be covered for:
Single Transit - Marine Cargo Policy
Insures transit of goods from one place to another in a single transit from the time the goods leave the consignor's premises until they reach the consignee's premises OR
Annual Cover - Goods In Transit Policy
This is annual policy which provides cover for goods conveyed by land throughout the year as per the territorial limit and/or transit journey specified in the policy.
ELIGIBLE PROPOSER
Goods/ cargoes being conveyed entirely on land whether by lorry, train or other mode of land conveyance licensed to carrying goods.
PREMIUM & EXTENSIONS
Premium is calculated based on the type of cover, territorial limits or transit journey (within town or inter-states), and the sum insured i.e. the value of goods to be consigned.
At an additional premium, this policy can be extended to cover loading and unloading from a stationery vehicle under close supervision.
To provide clients with the high level protection against all risks during the transportation of goods and merchandise, ACPG offers marine cargo insurance.
The standard Marine Cargo Insurance covers loss/ damage during the movement of cargo from one port/ country to another. The conveyance can be by Sea, Air or Land. Policies are tailored to suit individual needs of our clients.
Marine Hull Insurance
We offer a comprehensive range of products to cover loss/ damage to the vessel, from Hull and Machinery cover on an All Risks or Restrictive basis to War and Strikes risk cover as well as specialist cover for other marine options and interests including:
Brown Water Hull
Offshore and Support Vessels
Yachts and Pleasure Craft
Third Party Liability
Increase Value
Builders Risk
Features & benefits:
Wide range of ACPG Principal Insurer Marine Cargo and Hull products
Global capability and local expertise for all classes of marine insurance
Worldwide claims network and local claims handling capability
Inspection and risk management service capabilities.
Marine Cargo Insurance refers to the insurance of goods shipped from one place to another, anywhere in the world.
Coverage is usually effected on a "per voyage" basis that is from the time the goods leave the premises of the seller until the time they finally arrive at the buyer's premises. There is no period specified in the policy.
Coverage can either be effected by the buyer or the seller depending on the contract of sales. There are different types of recognised Sale Contracts, the most common affecting Marine Insurance are:
F.O.B. (Free On Board)
It is the seller's obligation to place the goods on board vessel at his own expense and obtain the Bill of Lading. He (the Seller) is also responsible for all loss or damage until goods are on board vessel. Thereafter the goods are at buyer's risks.
C & F (Cost and Freight)
Seller provides goods with all freight and other charge paid to the port of discharge but does not include insurance charges. He (the Seller) is also responsible for the loss or damage to goods until delivery on to the carrying vessel but it is the responsibility of buyer to arrange insurance.
C.I.F. (Cost, Insurance & Freight)
The Seller undertakes to arrange and pay for all costs of delivering the goods and insurance up to final destination because the buyer has paid for these in the sale price. The insurance policy is assigned to the consignee and he can claim under the policy as though he had arranged the insurance himself.
Type of Marine Cargo Insurance Policies
1.Individual Policy
These are policies issued on each and every shipment upon request by the Assured.
2.Open Cover Policy
The Open Policy is a continuous policy that is issued on certain date and remains in force until cancelled. The policy provides automatic protection for all shipments described in the policy.
This arrangement is suitable for merchants who are engaged in regular import/export or internal trade.
Coverage in Marine Cargo Insurance
Shipment by vessel
Sending by air
Inland Transit
Sending by post or courier service
1.Shipment By Vessel
Types of coverage available are :
Institute Cargo Clauses ( C )
Institute Cargo Clauses ( B )
Institute Cargo Clauses ( A )
Institute Cargo Clauses ( C )
It covers loss of or damage to the interest insured attributable to :
fire or explosion
vessel being stranded, grounded, sunk or capsized
overturning or derailment of land conveyance
collision or contact of vessel with external object other than water
discharge of cargo at a port of distress
It also covers loss or damage to interest insured caused by :
General Average Sacrifice
Jettison
Note :
General Average arises where a sacrifice is incurred in connection with a venture with a view to saving or minimising the loss as a whole. This means that some of the cargo needs to be sacrificed in order to save others. There is liability resting upon the owners of cargo to contribute towards the damages or expenses suffered by those whose cargoes are sacrificed.
Institute Cargo Clauses ( B )
In addition to coverage provided under "C" policy, it also covers loss or damage to goods insured attributable to earthquake, volcanic eruption or lightning and loss of or damage to interest insured by :
entry of sea, lake or river water into vessel
total loss of any package lost overboard or dropped whilst loading on to, or unloading from vessel
Institute Cargo Clauses ( A )
It covers all fortuitous losses of every description but excludes loss, damage or expense proximately caused by delay, inherent vice or nature of the goods.
General Exclusions for all Clauses ( A, B or C )
Wilful misconduct of the Assured
Ordinary leakage, loss in weight, wear and tear
Insufficient or unsuitability of packing
Inherent vice or nature of subject-matter insured
Unseaworthiness of vessel (when the Assured is privy to it)
Delay even though caused by a risk insured against
Insolvency or financial default of carrier
Deliberate damage or destruction of the subject-matter insured
Use of nuclear weapon
War and Strikes
Terrorism
Radioactive contamination, chemical, biological, bio-chemical and electromagnetic weapons
Nuclear energy risk
Seepage and pollution
Yes = Risk Covered, No = Not Covered
RISKS | CLAUSE A | CLAUSE B | CLAUSE C |
Fire & Explosion | Yes | Yes | Yes |
Vessel/craft stranded, grounded, sunk or capsized | Yes | Yes | Yes |
Overturning or derailment of land conveyance | Yes | Yes | Yes |
Collision or contact of vessel, craft or conveyance with external object other than water | Yes | Yes | Yes |
Discharge of cargo at port of distress | Yes | Yes | Yes |
Earthquake, volcanic eruption or lightning | Yes | Yes | No |
General Average sacrifice | Yes | Yes | Yes |
Jettison / Washing Overboard | Yes | Yes | Yes |
Entry of sea, lake or river water into vessel, craft, hold, conveyance, container, liftvan or place of storage | Yes | Yes | No |
Loss of any package lost overboard or dropped whilst loading onto or unloading from vessel or craft | Yes | Yes | No |
General Average & Salvage Charges | Yes | Yes | Yes |
Pirates, thieves & non-delivery | Yes | No | No |
The cover given is similar to that of consignment carried by sea. For shipment by air, there is only one type of cover. Unlike by sea where we have the A, B or C Clause, shipment by air only have the Institute Cargo Clauses (Air).
3.Inland Transit
The conditions of insurance under Inland Transit are :
Inland Transit (All Risks) Clause
It covers all risks of loss and/or damage whilst in transit but excluding loss arising due to :
inherent vice or loss of market
mechanical derangement
war (war risk is excluded from inland as these risks are limited by the waterborne agreement to "overseas voyage").
Inland Transport Clause
It covers loss of or damage to the interest insured occasioned by the conveyance being on fire, derailed, overturn or in collision, struck by lightning or other accidents to the vehicle such as involuntarily leaving the road, breakdown of bridges and consequent damage to the conveyance and the interest assigned hereby.
Goods In Transit
This policy provides coverage for goods despatched throughout the year to destinations all over the country. The scope of coverage is the same as normal marine inland transit. The difference is that this policy is issued annually. The type of goods, transit destination and also the registration number of vehicle transporting the goods must be stated in the policy.
Road Haulers / Carrier's Liability
This type of insurance is effected by the Carrier's or the Transport Company to protect their own interest that is, their legal liability based on negligence liability principle and/or their contractual liability for loss of or damage to cargoes carried by them.
Sending by Post and/or Courier Service
The coverage by post and/or courier service depends by the mode of carrying. It can be sent by any of the above mode (sea, air or land). In any case, the clause 'Mail and/or Parcel Post/Courier Service Clause' will be attached.
Institute War Clauses (not applicable to Inland Transit risks)
Marine policies may be extended to cover War risk subject to payment of an additional premium at the current rate prescribed by the Institute of London Underwriters. It must be noted that War risk cannot be granted for the transit of goods whilst on land.
The insurance against War risk attaches only when the goods are loaded on the overseas vessel and terminates on discharge from the vessel at the final port or place of discharge or on expiry of 15 days from midnight of the day of arrival of the vessel at the final port of discharge.
Institute Strike Clauses
This extension is also available to cover loss or damage caused by strikes, locked-out workmen or persons taking part in labour disturbances, riots or civil commotion and any terrorist or any person acting from a political motive.
F.C.L. (Full Container Load)
Whereby goods are stuffed into the container at seller's premises and unstuffed at buyer's premises. The whole container carries goods which belong to the same owner, seller or buyer.
L.C.L. (Loose Container Load)
Whereby goods are stuffed into the container at port of loading and unstuffed at port of discharge. The container is shared with goods belongs to other person or persons.
Transhipment
This is the act of transferring goods from one vessel to another and if during a marine voyage transhipment do occurs for any reason, the Underwriters are to be informed within a reasonable period of time and an additional premium will be charged. Usually a rate of 0.05% is charged in the event of transhipment.
Double Taxation Benefits
With effect from 1982, the government is offering double taxation benefit to buyers of insurance who insure imports and exports to the country with a Malaysian registered company. The objective is to reduce the outflow of capital from the country.
Pre-shipment Survey
Pre-shipment survey is required when cargo is shipped by barge and with sum insured exceeding RM250,000.
Survey to be conducted by Independent Marine Surveyor appointed either by the Insurer or Insured. The cost incurred will be borne by the Insured. The purpose :-
to ensure that goods insured are properly packed and lashed on board the barge.
to ensure that barge will not be overloaded with cargoes which will effect the stability of barge during voyage.
to give on hand advise as to proper handling of cargo before, during and after loading of cargoes to the barge.
To inform Insurer immediately if there is any discrepancy which will effect the voyage. Example of discrepancy - overage barge, incompetent cargo handler, over valued goods etc.)
Upon completion of survey, the surveyor will have to produce the report to Insurer for risk assessment purposes.
Loading Surcharge For Overage Vessel:
An appropriate surcharge will be imposed for consignments sent on an overage vessel.
Arranging / Conducting Discharge Surveys
The main aim in conducting discharge survey is Loss Prevention. During unloading of bulk (especially) cargoes such as wheat, flour, maize etc., and also expensive machinery needs close supervision from experienced Marine Surveyors.
With the presence of the Surveyor, immediate action can be taken by them in the event of loss or damage to the consignment. They will be able to provide feedback vital information immediately to the Claims Dept. on the extent of the loss or damage. A joint survey with the Carrier's Agent and all relevant parties can then be conducted so that all evidence of damage are recorded without delay and also avoid disputes.
This policy provides cover against loss and/or damage to property insured whilst in transit on a lorry, train or any other conveyance licensed to carry goods.
Scope of Cover
There are two types of cover afforded under this class:
Inland Transit (All Risks)Clause
Covering against all risk of loss and/or damage to the insured goods whilst in transit by road and/or rail. The exclusions are delay, inherent vice, mechanical derangement, war and strikes, riot and civil commotion.
Inland Transport Clause (Lorry Clause)
Covering loss and/or damage to the Insured's goods whilst in transit by road/rail caused by fire, lightning, breakdown of bridges, collision, overturning or derailment. Loss as a result of theft is not covered under this clause.
Categories of Scheme Offered
Scheme 1
Policy covering property carried by specified vehicles; a stated sum insured being agreed as the maximum value of the load carried on each vehicle.
Scheme 2
A declaration policy ; the sum insured representing an estimate of the aggregate value of consignments to be despatched during a chosen period (usually 12 months) The sum insured is reduced by the value of each consignment until it becomes exhausted.
Scheme 3
A policy covering a single transit.
Marine Hull Insurance covers loss or damage to hull and machinery. The hull is the structure of the vessel. Machinery is the equipment that generates the power to move the vessel and control the lighting and temperature system such as boiler, engine, cooler and electricity generator.
Scope of Cover
Institute Time Clauses
These are the main clauses and most important in Marine Hull policies. Time Clauses covers for a specific period usually 12 months. As the nature and degree of risks which the Insurer run vary according to the kind of vessel, there exist a number of categories in the Time Clauses. They are : -
Institute Time Clauses (Hull)
Institute Time Clauses (FPA)
Institute Time Clauses (Total Loss Only)
1.Institute Time Clauses (Hull)
Provides the maximum coverage offered by hull insurance.
Perils Covered
1.Perils of the sea
2.Fire & explosion
3.Violent theft
4.Piracy
5.Breakdown of accident to nuclear installations etc.
6.Contact with aircraft
7.Earthquake, volcanic eruptions or lightning
8.Accidents in loading etc.
9.Bursting of boilers
10.Breakage of shaft
11.Latent of defect
12.Negligence of masters etc.
13.Negligence of repairers etc.
14.Negligence of charterers etc.
15.Barratry
Excluded Perils
1.Wilful misconduct of the Assured
2.Loss caused by delays
3.Wear and tear
4.Rats and/or vermin
5.Injury to machine not proximately caused by maritime peril
Paramount Exclusions in the Policy
1.War
2.Strikes
3.Malicious acts
4.Nuclear exclusion
Other Losses & Expenses Covered
1.Pollution Hazard
2.3/4th Collision Liability
3.General Average and Salvage
4.Sue and Labour
5.Constructive Total Loss
2.Institute Time Clauses (FPA)
The coverage of these clauses are similar to that of Hulls Clauses but exclude coverage on machinery damages in all respects. It is advised that all vessels which exceed 15 years of age or older, if the risk accepted, to give this coverage only. Past experience shows that older vessels suffer serious casualties due to machinery damage. If machinery damage is excluded due to limitation of this clause, there is a better chance of making hull underwriting profit.
3.Institute Time Clauses Hulls (Total Loss Only)
As the name suggested, this clause only covers in the event of it becoming a total loss by arrangement, actual, compromised or constructive total loss. The rate for this cover is low and usually this cover is only extended to old vessel (but not more than 20 years) or on accommodation only.
Institute Yacht Clauses
This clause are basically Institute Hull clauses amended for yachts and include all damages to hull, masts, spars, sails and other equipment on board the yacht but does not include damage whilst the yacht is racing.
Caution should be taken with regard to charter yachts and if the risk is accepted, the following warranty must be included into the policy conditions, namely:
'Warranted that professional skipper & crew is in attendance at all times'
Full details of the Skipper and Crew's experience must be obtained.
Institute Voyage Clauses
This insurance covers risks during a voyage from one port or place to another or a round voyage. In so far as ordinary vessels are concerned, as most of them are usually insured under a time policy, voyage insurance is effected only in such cases as delivery voyage of a new vessel to buyer from the shipyard or a voyage of a vessel to be repaired at shipyard. The period of coverage is usually less than a year and the scope of coverage is almost identical that of time policy. In which case, there are also the FPA and Total Loss cover.
Builders' Risk Insurance
This type of insurance covers whilst vessel is under construction. During that period, it is exposed to risks such as fire, tidal wave, capsize or failure in launch. It is also exposed to collision and sinking on a trial trip. The builder's risk insurance effected by shipyards provides cover against all such risks. The insured value is the contract price or the estimated completed value of the vessel if there is no contract price. The period of insurance should be from the time of inception of the construction to the time of delivery. Hence, the period can well exceed 12 months.
Hull War And Strike Risks Insurance
War and strike risks are usually excluded from the cover of ordinary marine insurance policies in any market throughout the world. This insurance covers exclusions under Article 11 of the Institute Time Clauses. It can only be effected on vessels which are insured against ordinary marine risks. The rate of premium fluctuates frequently reflecting the climate of world politics at the time of inception of the risk.
Terrorism Insurance
Terrorism cover is an excluded risk worldwide. There will be no consideration for acceptance if this coverage is required.
Loss of Time Insurance
This insurance indemnifies a ship owner for loss of anticipated profits or operating costs where the insured vessel is forced to be out of commission in consequence of damage caused by maritime accident. The period of insurance is one year and the insurable value is calculated based on the following: -
estimated operating costs
estimated chartering to be earned
estimated gross income of freight
The loss of time is covered on the basis of the number of days required for the completion of the repairs, counting from the day following the day of the accident. The Insurer's liability per any one accident is limited to certain number of days up to 180 days throughout the year.
Life can be cruel sometimes, and as much as we’d like to pretend otherwise, accidents do happen. Personal accident cover can protect you financially if you find yourself unable to work due to the in ...
What Is Personal Accident Cover?
This type of cover is often mixed up with accidental death cover (which pays a lump sum to your beneficiaries if an accident causes your death) but the two are actually quite different. Personal accident cover protects you if injuries sustained in an accident stop you from working, provided that the injuries are external and visible and have occurred as the direct result of an accident.
Most policies will pay up to 75% of your income, as long as you’re off work for longer than the minimum number of days specified in the policy. For most policies, you can choose for benefits to be paid for either one or two years, or right up until retirement, depending on the severity of the injury and how badly it affects your ability to work on a long-term basis.
Why You Need It
Accidents happen every day, and no matter how careful you are, you can’t guarantee that they won’t happen to you. Taking out personal accident cover can offer you valuable peace of mind if an unexpected injury means that you can’t go about your normal work.
Personal accident cover could prove to be particularly crucial if you’re self-employed and aren’t entitled to paid sick leave as it would most likely be your only option other than dipping into savings to keep you afloat.
What Isn’t Covered?
There will often be exclusions in terms of what is and isn’t covered by the policy. For example, injuries that are self-inflicted won’t usually be covered and some policies may exclude dental injuries. Sickness isn’t covered by a personal accident policy, so you’ll need to look at other types of cover if you want to be protected from inability to work due to sickness rather than an accident.
Personal accident insurance is often confused with accidental death insurance but the two types of insurance are actually quite different. While a personal accident policy pays benefits to protect against loss of income after an accident, an accidental death policy is similar to a life insurance policy, and pays a lump sum to dependents if you’re involved in a fatal accident.
If you’re worried about how you would survive financially if an accident left you unable to work for even a relatively short period of time, personal accident insurance is definitely something that you should strongly consider. This is particularly true if you’re self-employed and wouldn’t receive sickness benefits to tide you over until your return to work.
Even if you never need to claim, the reassurance that you won’t be forced into debt if accident-related injuries stop you from working can be invaluable, and there are tax benefits too. Look into all your options and compare policies carefully to get the best cover for you, at the best price.
PA insurance is an annual policy, which provide compensation in the event of injuries, disability or death caused solely and independently due to accident.
The type of coverage that is normally provided under PA policy include:
- Accidental Death
- Permanent Disablement
- Temporary Total or Partial Disablement
- Medical Expenses
- Hospitalisation Benefits
- Funeral Expenses
- Weekly Indemnity
- Repatriation Benefits
Flexi PA
This Personal Accident plan offers you basic coverage - Accidental Death and Permanent Disablement and gives you the flexibility to select other optional benefits such as medical reimbursement, daily hospital income and weekly indemnity that you want according to your one need.
Benefits
-
Accidental Death Benefit
Pays the Principal Sum Insured in the event of accidental death. -
Accidental Permanent Disablement
Pays up to the Principal Sum Insured due to accident as per schedule stated in the Table of Benefits for Death and Permanent Disablement. -
Medical Reimbursement
This optional benefit will reimburse the insured as a result of an accident incurred within 52 weeks from the date of accident. This benefit will reimburse medical expenses inclusive of hospital room and board, clinical, outpatient, surgical treatment due to accident and also including the following:- Medical Report / Post-mortem Fee - Reimburse up to RM150 per accident.
- Ambulance Fee - Pays up to RM500 consequent upon an accident.
- Malaria, Dengue or Japanese Encephalitis - Reimburse up to full amount of Medical Reimbursement benefit subject to maximum of plan chosen.
-
Weekly Indemnity
This optional benefit pays up to 52 weeks if the insured is totally or partially disabled and unable to attend work due to accident as certified by a registered medical practitioner.- Temporary Total Disability - 100% of the benefit amount
- Temporary Partial Disability - 50% of the benefit amount
-
Daily Hospital Income
This optional benefit will pay a daily income up to 120 days in the event that the insured is hospitalized for more than 12 hours due to an accidental injury.
Underwriting
-
Applicant Age
18 and above -
Insured Age
1 - 65 years old, renewable up to 75 years old -
Mode of Payment
Annual Only -
Occupational Class
Class 1 until Class 3
By ACPG Management Sdn Bhd (ACPG).
Business/Corporate Travel Assist comprehensive annual travel plan that protects you for unlimited number of traveling within a policy year up to a maximum of 90 consecutive days per trip insuring you from the date of departure from Malaysia until the date of return to Malaysia.
For frequent business and/or leisure travelers, we offer a choice of two annual plans: Corporate Plan and Premier Plan. (Optional Domestic Plan is available too)
Corporate Plan
ACPG Corporate Plan is a policy designed in the way frequent business and/or leisure travelers desired - convenient and with comprehensive protection, which includes personal accident, medical and travel inconvenience benefits. For complete peace of mind, we also offer a 24-hour worldwide emergency assistance service, which is just a phone call away.
Premier Plan
In addition to having the convenience of 24-hour worldwide emergency assistance service, our Premier Plan offers a higher amount of coverage for personal accident, medical expenses and personal liability benefits. The increased levels of coverage will give our business and/ or leisure travelers maximum protection.
Optional Domestic Plan
ACPG Domestic Plan covers frequent business and/ leisure travelers who reside in Malaysia. This plan covers medical expenses incurred due to accident, unlimited evacuation and repatriation benefits.
Benefits:
Personal accident
Medical expenses
Post hospitalization benefit
Hospital confinement
Double hospital confinement
Emergency medical evacuation and repatriation
Compassionate visit
Trip cancellation
Trip curtailment
Travel delay
Flight departure
Baggage delay
Loss of baggage and personal effects
Damage or loss of laptop computer
Incidental expenses incurred due to loss of travel documents
Loss of money
Child education fund
Credit card indemnity
Personal liability sustained abroad
Why choose ACPG CORPORATE ASSIST?
Hassle free and convenient.
One policy for the whole year round.
Unlimited traveling insurance in a year.
No advance notice to be given to us prior to traveling.
Simple administration.
.....not just a children health plan, but a plan for good health
Despite efforts to stay healthy, illnesses can strike suddenly, No matter how careful you n your ...
ACPG Children Medical & Health Insurance Plan can help put your mind a rest. Helping you deal effectively with all serious health problems, from the need for prompt diagnosis to prearranged care at an approved panel hospital of your choice. In the event of serious medical emergencies, you can be covered for immediate admission to the nearest approved panel hospital.
With ACPG Children Medical & Health Insurance Plan, you need not worry about funding for your healthcare costs or it being a burden on yourself and your loved ones. All you have to do is to select from a choice of Children Medical Insurance Plans that suits your needs.
ACPG Children Medical & Health Insurance Plan -
List of Product Range
Medical Card
Critical Illness Care
List of Special Extended or Unique coverage
Guarantee Renewal
High Lifetime Limit
Second Surgical Opinion
AIDs Coverage
Pregnancy Complications
Maternity Death
Out Patient Specialist Care
Out Patient GP Care
Home Nursing
Accidental Facial
Female Cancer
Ambulance Fees
Daily Cash Allowance at Government Hospital
Pregnancy / Maternity Benefits
Accidental Death / Permanent Total Disablement
Our Principal Insurers,
MAA ASSURANCE
ALLIANZ GENERAL INSURANCE
MSIG INSURANCE
LONPAC INSURANCE
THE PACIFIC INSURANCE
CHARTIS MALAYSIA INSURANCE
KURNIA INSURAN
HONG LEONG ASSURANCE
For The Love of Your Ride & Protection of The Driver
ACPG Hotline 03-9286 3323
No Matter how good your own driving skills are, owning a car can be an expensive and risky business. That ...
ACPG Motor Insurance offers you a thorough and comprehensive approach to motoring wherever you go.
HASSLE FREE NCD TRANSFER
If your vehicle is already covered by another insurance company or agency, switching over to ACPG is easy. You may transfer your NCD (No-Claim-Discount) over in full.
MOTOR POLICIES
Comprehensive Cover
This policy provides the widest coverage. Provides you cover as in Third Party, Fire and Theft Cover plus physical damage to your vehicle due to accidental collision or overturning.
Exclusions
The Standard Motor Insurance Policy DOES NOT cover :
* Your own death or bodily injury;
* Your liability against claims from passengers;
*Theft of non factory fitted vehicles accessories (car stereos, leather seats, sports rim etc) unless otherwise declare;
* Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages; and
* Loss/damage arising from an act of nature e.g. flood, landslide and landslip.
Optional Benefits with additional Premium
Windscreen
Covers the breakage of glass in windscreens, front, rear and side windows. The damaged windscreen will be replaced and your NCD (No-Claim-Discount) will not be affected.
(Premium Charged - 15% of the Amount insured)
Flood, Storm, Landslide, Landslip or Subsidence Cover and Damage by falling Tree.
Covers the vehicle against damage caused by the above perils.
(Premium Charged - 0.5% x Sum Insured of your vehicle)
Strike, Riot & Civil Commotion (RSMD)
Covers the vehicle against damaged caused by strike, riot and civil commotion.
(Premium Charged - 0.3% x Sum Insured of your vehicle)
Additional Driver Name (3rd name & above)
This extra coverage waives the RM 400.00 Excess.
(Premium Charged - RM 10.00 per driver name)
or All Driver Coverage for Private Use vehicle registered under company/organisation)
Premium Charged - RM 50 per vehicle)
Legal Liability of Passengers - Private use Vehicle
Cover the legal liability of passengers for acts of negligence.
(Premium Charged - RM 7.50 per car)
Legal Liability to Passengers - Private Use Vehicle
Cover protects the Insured against legal liability to the passenger in event of a claim.
(Premium Charged - 25% of Third party premium.
Basic premium up to 5 persons only.
Driver's Personal accident Insurance
Premium Charged inclusive RM 10 Stamp Duty
from RM 70.00
Daily Cash Allowance
You will be covered for first 10 days while your car in the workshop.
Plan RM 50.00 to RM 200.00 Daily Cash Allowance
Premium Charged - RM 50.00 to 200.00 (Annual)
Spray Painting of Whole Car
You will have a choice to spray paint the whole car even thought the own damage repair only allow for the spray painting of the damaged part of the car.
Plan RM 1000.00 to RM 2,500.00 Max. Limit
Premium Charged - RM 120.00 to RM 300.00 (Annual)
Waiver of Betterment Cost (Own Damage Accident Claim)
Your contribution towards the cost of new parts replacement will be borne by insurer.
For Car aged 5-7 years Premium Charged RM 120.00
For Car aged 8-15 year Premium Charged RM 220.00
ACPG Motor Assist (*Free Service for all Private Use Vehicle)
* 24 hours Motor Towing Service (FREE Up to 100 km)
* Nationwide network of panel workshop.
* 6 months warranty on repair by insurer panel workshops.
ACPG Motor Vehicle Insurance Policy underwritten by
Our Principal Insurers,
ALLIANZ GENERAL INSURANCE
MSIG INSURANCE
LONPAC INSURANCE
THE PACIFIC INSURANCE
CHARTIS MALAYSIA INSURANCE
KURNIA INSURAN
ACPG Private Car Comprehensive policy is the widest form of cover and insures you against:
loss or damage to your vehicle due to accident collision (own damage) or overturning.
loss or damage to your vehicle due to fire explosion or lighting, malicious act and burglary.
vehicle theft.
claims for bodily injuries or death caused to other persons (third party).
claims for loss or damage to third party property.
Extension Cover
The above standard motor insurance do not cover certain losses, such as:
your own death or bodily injury due to a motor accident.
your liability against claims from the passengers in your vehicle.
loss or damage arising from acts of nature, such as flood, storm and landslide.
However, you may pay additional premiums to extend your policy to cover beyond the standard motor insurance.
My Auto Personal Accident Cover (AUTOPAC)
Autopac is a plan where it provides cover to anyone who is travelling in the insured vehicle. This yearly renewable policy gives a full protection within Malaysia, Brunei and Singapore only.
Benefits
-
Death Benefit
In the event of accidental death, a total amount of sum assured is payable. -
Permanent Disability
In the event of any of the disability as follows incurred, a total amount of sum assured is payable.- Total and irrecoverable loss of all sights in both eyes.
- Total loss by physical severance of both hands or both feet or one hand and one foot.
- Total loss by physical severance of one hand or one foot together with the total and irrecoverable loss of all sight in one eye.
- Total and irrecoverable loss of all sight in one eye.
- Total loss by physical severance of one hand or one foot.
-
Medical and Surgical Treatment
This benefit pays back the insured the Medical and Surgical Treatment Expenses that incurred within two years after the date of the accident.
Underwriting
Age limits in respect of each insured person
- 5 years to 70 years old
Mode of Payment
- Annual only
How To Prevent Your Vehicle From Being Stolen
SECURE YOUR VEHICLE
Lock your vehicle.
Never leave the vehicle key inside the vehicle unattended.
Never leave your vehicle's engine running, even if you will only be away for a minute. Vehicles are commonly stolen at convenience stores, petrol stations, ATMs and outside house compounds when owners leave the vehicle engine running to run errands or to unlock house gates.
Ensure your vehicle windows are properly closed up.
Do not leave valuables in your vehicle. However, if you have to, place valuables out of sight in the boot. Ensure that no one sees you placing valuables in the boot.
PARKING
Park in well-lit areas - vehicle theft usually occur at night under the cover of darkness.
Park in attended lots - vehicle thieves do not like witnesses and prefer unattended parking lots.
Park your vehicle in the compound of your house rather than outside. Lock both your vehicle and the gate for improved security.
SECURITY
Professional thieves are able to steal any vehicle. However, you can make it difficult for them to steal your vehicle. The more layers of protection on your vehicle, the more difficult it is to steal.
Your budget and personal preferences should determine how many layers of protection and which anti-theft devices are best for you.
Generally available anti-theft devices are:
Engine immobilizers
Better door and ignition locks
Security patterned or coded keys
Radio/CD players with security code or removable face plates
Window etching
Car alarm
Steering wheel/gear/brake pedal locks
Tracking devices
Group Personal Accident is a policy that provide a group of people with 24 hours protection against accidental injury resulting from work, sports, leisure, domestic and other activities carried out anywhere in the world.
Benefits
-
Death Benefit
A total of Accidental Sum Assured will be paid in the event of Accidental Death of the insured. -
Permanent Disablement
Upon disability due to an accident, an amount of up to total Accidental Sum Assured is payable depending on the percentage as written in the Table of Benefits. -
Funeral Allowance
An amount of 10% of the Accidental Sum Assured or RM 2,000 whichever is lower, is payable to the beneficiary for funeral and cremation expenses. -
Temporary Total and Partial Disablement
A weekly benefit amounting to the amount specified is payable in the event the insured is totally or partially disabled and unable to attend to all duties pertaining to his/her usual occupation or business. -
Accidental Hospital Income
A weekly benefit amounting to the amount specifies is payable up to a maximum of 104 weeks in the event the insured is hospitalised for treatment of accidental injuries. -
Travelling Allowance
A specific amount is payable to the insured's immediate family members for travelling expenses to and from the hospital. -
Accidental Medical Expenses
Necessary and reasonable medical expenses incurred for treatment of injuries resulting from an accident will be reimbursed according to the specific limit per accident.
Underwriting
Mode of Payment
- Annual only
Occupational Class
- Class 1 until Class 3
Group Discount
No. of Person | Discount |
5 to 10 person | 5% |
11 to 20 person | 10% |
21 to 30 person | 15% |
31 to 50 person | 20% |
51 and above | Negotiable |
To attract the top talent in your industry, you need top-drawer benefits. At Zurich, we share your motivation to succeed and we will work with your business to deliver solutions for the long-term.Group Life Insurance products are designed to cater the needs of every organisation whether it is small, medium or large. Also known as an Employees Benefits (EB) scheme, we are committed to create a tailored plan that suits your organisation’s culture and needs.
You may customise the following benefits to suit your organisation’s need:
Group Life Products | Description |
Group Term Life (GTL) | Covers Death and Total Permanent Disability (TPD) for either all or natural causes. |
Group Personal Accident (GPA) | Covers Death and Total Permanent Disability (TPD) for accidental causes. Also included in GPA is Partial Permanent Disability (PPD). |
Group Dread Diseases (GDD) | Coverage for 36 Dread Diseases. |
Group Hospitalisation and Surgical (GHS) | Benefits for hospitalisation and surgical facilities. |
Travelers Insurance Info
This is an introductory guide to help you better understand insurance protection you can purchase when you travel. It gives you basic information to help you make an informed decision when purchasing travel insurance policy.
What is travel insurance?
You purchase a travel insurance to cover yourself and/or your family against travel-related accidents, losses or interruption. The coverage is usually limited to the period of your travel. However, some insurance companies may offer various combinations of protection to cater to the specific needs of customers, including long-term annual policies if you are a frequent traveller.
Benefits
Scope of cover
The scope of cover and scale of benefits differ
between insurance companies and you should shop around to ensure that you
purchase a policy which best meets your requirements. The coverage commonly
provided under a travel insurance policy include:
- Personal accident
- Medical and its related expenses
- Loss of travel deposit or curtailment of journey
- Loss of baggage, personal effects and money
- Loss of passport
- Personal liability
- Delayed baggage
- Travel delay
- Hijacking
- Repatriation
Please note that if you are above a certain age limit, you may not be able to obtain a travel insurance policy.
Understanding the policy benefits
- Personal accident - you are normally covered for death and total permanent disablement for a period within 365 days after the occurrence of the accident. The compensation will be paid according to a scale of benefits and may differ from one insurance company to another.
- Medical and related expenses - coverage for hospitalisation, hospital or surgical expenses, outpatient medical expenses, as well as daily allowances up to a maximum number of days, should you be hospitalised for more than 24 hours.
- Loss of travel deposit or curtailment of journey - you will be reimbursed for expenses incurred due to loss of travel or accommodation expenses paid due to cancellation or curtailment of the journey.
- Loss of baggage, personal effects and money - this covers accidental loss or damage to your baggage, clothing, personal effects, and even money, caused by the carrier.
- Loss of passport - you will be reimbursed for additional hotel charges, travel and other expenses incurred in the country you visited, while obtaining the replacement of a lost passport. Such loss must be reported to the police within 24 hours.
- Personal liability - should you cause accidental bodily injury to a third party or loss or damage to the property of a third party, the insurer will indemnify you for the legal liability.
- Delayed baggage - if your baggage is lost or misplaced for at least 12 hours from the time of arrival at your destination, you will be reimbursed for expenses incurred to purchase essential items of clothing or personal effects.
- Travel delay - you will be paid a sum of money, according to a schedule, if your flight or voyage is delayed for more than 12 hours due to reasons beyond your control.
- Hijacking - the insurer may make daily payments up to a specified maximum number of days, if your journey is interrupted for more than 12 hours due to an act of hijack.
- Repatriation - in the event of accidental death of the insured, the insurer will reimburse the insured's legal representative for the cost of returning the remains home.
Underwriting
Policy exclusions
Losses caused by certain events are excluded
from the cover. Some common exclusions include:
- War risks
- Suicide and insanity
- AIDS
- Provoked murder or assault
- Childbirth or miscarriage
- Hazardous sports
You are advised to always read carefully and understand your policy exclusions.
Important points to note when buying travel insurance
-
Personal effects
Check with your insurance company on the personal effects that can be covered under travel insurance as the coverage differs between insurance companies. -
Beneficiary
You are advised to nominate a beneficiary and ensure that your beneficiary is aware of the travel insurance policy that you have purchased. -
Multiple insurance
If you have purchased more than one travel insurance policies, in the event of your demise and disablement, you or your beneficiary, as the case may be, will be compensated for each policy. However, for certain losses such as medical expenses which are compensated on reimbursement basis, you will only be compensated once for the actual loss suffered. -
Foreign affiliates
Ensure that your insurance company has a good network of foreign affiliates which can provide you with the necessary assistance when required. -
Medical and emergency assistance
It is important to check whether your insurance company provides 24-hour emergency hotline service.
What you should do in the event of damage/loss
-
Contact the medical and emergency assistance hotline
Certain travel policies cover 24-hour emergency hotline service which provides you with access to assistance such as medical advice, referrals, medical evacuations and travel related matters such as lost passport and baggage. -
Notify the authorities
If your insured belongings are lost or damaged, you must take all reasonable measures to protect, save and recover them, and must also promptly notify the local police, hotel, transportation company or transportation terminal authorities, whichever is applicable. -
Notify your insurer as soon as possible
In the event of a loss, you must notify your insurance company immediately or as soon as reasonably possible.
Making a claim against your insurance company
You should submit the claim form with all supporting documents such as your original policy, the medical report, police report and any relevant documents to support the claim as soon as possible to your insurance company. You should check the time frame for claim notification stipulated in your policy.
How do I lodge a complaint and the redress avenues available
If you have a complaint about the product and services of your insurance company or you are not satisfied with the rejection or offer of settlement of a claim, you should first try to resolve the complaint with the Complaints Unit of the insurance company concerned.
- If you are still not satisfied with the decision, you can write either to the Customer Service Bureau of Bank Negara Malaysia or the insurance mediator, free of charge. However, the scope of the mediator is limited. Therefore, you need to check with the officer from the Complaints Unit of the insurance company on the proper avenues for dealing with your complaint
- Alternatively, you could take your case to court.
Commercial Insurance
1. Motor
• Motor
• Private / Commerce
• Auto Assistance
• House owner
• Householder
• Loss of Profits
• Contractors’ All Risks
• Erection All Risks
• Bond Insurance / Insurance Guarantee
• Machinery Breakdown
• Equipment All Risks
• Machinery All Risk
• Public Liability
• Employers’ Liability
• Product Liability
• Professional Indemnity
• Management Liability
• Errors & Omissions Insurance
• Marine Cargo
• Goods In Transit
• Foreign Worker PA (FWCS)
• Foreign Worker Hospitalisation and Surgical Insurance (SKHPPA)
• Insurance Guarantee (IG) for Foreign Worker
• Business Travel Insurance
• Burglary
• Money
• All Risks
• Mobile Plant & Equipment
• Plate Glass
• Fidelity Guarantee
• Office Equipment All Risk
Commercial Insurance – Special Risk Solution for Ultimate Range
• Office
• Services
• Retail
• Food & Beverage
• Value Hotels
• Light Manufacturing
• Condominium & Apartment
Personal (Individual) Insurance
1. Personal Accident/ Liability
• Golfer’s Insurance
• Group PA
• Traveller’s Insurance
• Motor Passenger PA
• Personal Liability
• Group Hospital Benefits
• Hassle Free Admission Hospital & Surgical Plan (Medical Card)
3. Medical, Income, Retirement and Education
• Disability Income Plan
• Income Replacement Plan
• Dread Disease Plan
• Cash Less Payment Health & Medical Card Plan
• Mortgage Liquidation Plan
• Motor Vehicle Hire Purchase Liquidation Plan
• Children Education Plan
• Retirement Income Plan
• Lady special Illness Protection Plan
• Keyman Protection Plan
• Partnership Protection Plan
• Business Obligation Plan
• Employee Benefit Plan
• Investment Linked Plan
ACPG Insurance Hotline: +603-9286 3323,
Email : enquiry@acpgconsultant.com, corporate@walkinonline.com
For more information, please visit our homepage
Facebook Biz Link : www.facebook.com/acpg.management.
Accountant General's Department - Jabatan Akauntan Negara Malaysia
http://www.anm.gov.my/
Aras Eksekutif, Tingkat 8, Blok 2G1A, Precint 2, Kompleks Kewangan, 62594 Putrajaya
Tel: 03 8882 1002, Fax: 03 8889 5821
Armed Forces - Angkatan Tentera Malaysia
http://maf.mod.gov.my/homepage/atm/menuatm.html
Tel: 03 2692 1333
Atomic Energy Licensing Board - Lembaga Perlesenan Tenaga Atom
http://www.aelb.gov.my/
Bahagian Hal Ehwal Undang-Undang - Legal Affairs Department
http://www.bheuu.gov.my/
Jabatan Perdana Menteri
Aras 3, Blok B7, Parcel B, Pusat Pentadbiran Kerajaan Persekutuan, 62502 Putrajaya
Tel: 03 8888 1011, Fax: 03-8888 3731
Bahagian Pengurusan Hartanah - Property & Land Management Division, Prime Minister's Department
http://www.bph.jpm.my/
Jabatan Perdana Menteri
Aras 7, Blok B3, Komplek Jabatan Perdana Menteri, Pusat Pentadbiran Kerajaan Persekutuan, 62502 Putrajaya
Tel: 03 8888 1957, Fax: 03 8888 3031
Biro Bantuan Guaman - Legal Aid Bureau
http://www.bheuu.gov.my/
Jabatan Perdana Menteri
Aras 1, Blok B7, Parcel B, Pusat Pentadbiran, Kerajaan Persekutuan, 62502 Putrajaya
Tel:03 8888 1117, Fax: 03 8888 3791
Biro Tatanegara - Jabatan Perdana Menteri
http://www.aelb.gov.my/
Tel: 03 8888 1957
Commission of Companies - Suruhanjaya Syarikat Malaysia
Registrar of Companies & Businesses - Pendaftar Syarikat & Perniagaan
http://www.ssm.gov.my/
Tingkat 2, 10-18, Putra Place, 100 Jalan Putra, 50622 Kuala Lumpur
Tel: 03 4047 6000 (General Line), Fax: Tel: 03 4047 6317
Department of Agriculture - Jabatan Pertanian Malaysia
http://agrolink.moa.my/doa/
Tel: 03 2698 2011
Department of Chemistry - Jabatan Kimia Malaysia
http://www.kimia.gov.my/
Tel: 03 7985 3000
Department of Civil Aviation - Jabatan Penerbangan Awam Malaysia
http://www.dca.gov.my/
Tel: 03 8886 6000
Department of Environment - Jabatan Alam Sekitar Malaysia
http://www.jas.sains.my/
Tel: 03 8885 8200
Department of Irrigation & Drainage Malaysia DID - Jabatan Pengairan & Saliran Malaysia JPS
http://www.water.gov.my/
Jalan Sultan Salahuddin, 50626 Kuala Lumpur
Tel: 03 2617 5708, Fax: 03 2691 1082
Department of Irrigation & Drainage Sarawak
http://www.did.sarawak.gov.my/
9th & 10th Floors, Wisma Saberkas, Jalan Tun Abang Haji Openg PO Box 1230, 93626 Kuching, Sarawak
Tel: 082 24 3241, Fax: 03 82 42 6400
Department of Museums and Antiquities Malaysia - Jabatan Muzium dan Antikuiti Malaysia
http://www.jma.gov.my/
Jalan Damansara, 50566 Kuala Lumpur.
Tel: 03 2282 6255, Fax: 03 2282 7294
Department of National Unity - Jabatan Perpaduan Negara
http://www.kempadu.gov.my/jpn/
Tel: 03 2693 4400
Department of Occupational Safety and Health DOSH - Jabatan Keselamatan dan Kesihatan Pekerjaan JKKP
http://dosh.mohr.gov.my/
Level 2, 3 & 4, Block D3, Parcel D, Federal Government Administrative Centre, 62502 Putrajaya
Tel: 03 8886 5000, Fax: 03 8889 2351
Department of Orang Asli Affairs - Jabatan Hah Ehwal Orang Asli Malaysia JEOA
http://www.kempadu.gov.my/jheoa/
Tel: 03 2161 0577
Department of Public Health - Jabatan Kesihatan Awam
http://dph.gov.my/
Tel: 03 2694 6601
Department of Sewerage Services - Jabatan Perkhidmatan Pembetungan
http://www.kpkt.gov.my/jpp/
Tel: 03 2096 2605
Department of Standards - DSM
http://www.dsm.gov.my/
Tel: 03 8885 8000
Department of Statistics - Jabatan Perangkaan Malaysia
http://www.statistics.gov.my/
Tel: 03 8885 7000
Department of Survey & Mapping - Jabatan Ukur dan Pemetaan Malaysia JUPEM
http://www.jupem.gov.my/
Tel: 03 2693 3618
Department of Town & Country Planning - Jabatan Perancangan Bandar & Desa
http://www.townplan.gov.my/
Tel: 03 2698 9211
Department of Veterinary Services - Jabatan Perkhidmatan Haiwan
http://agrolink.moa.my/jph/
Tel: 03 2094 0077
Department of Veterinary Services, Perak
http://www.jphpk.gov.my/
Jalan Sultan Azlan Shah Utara, 31400 Ipoh, Perak
Tel: 05 545 9111, Fax: 05 548 2712
Department of Wildlife & National Parks - Jabatan Perhilitan
http://www.wildlife.gov.my/
Tel: 03 9075 2872
Economic Planning Unit, Prime Minister 's Department. EPU
http://www.epu.jpm.my/
Tel: 03 8888 3333
Electricity & Gas Supply Department - Jabatan Bekalan Elektrik & Gas Malaysia
http://www.jbeg.gov.my/
Tel: 03 4047 5400
Examinations Syndicate - Lembaga Peperiksaan Malaysia
http://www2.moe.gov.my/%7Elp/
Tel: 03 2094 1144
Fire & Rescue Department - Jabatan Bomba dan Penyelamat Malaysia.
http://www.bomba.gov.my/
Tel: 03 8888 0036
Fisheries Development Authority of Malaysia (FDAM) - Lembaga Kemajuan Ikan Malaysia (LKIM)
http://agrolink.moa.my/lkim/
Tel: 03 2617 7000
Forestry Department Peninsular Malaysia - Perhutanan Semenanjung Malaysia
http://www.forestry.gov.my/
Tel: 03 2698 8244
Forestry Department Sarawak
http://www.forestry.sarawak.gov.my/
Wisma Sumber Alam, Jalan Stadium, Petra Jaya, 93660 Kuching, Sarawak
Tel: 082 31 9102, Fax: 082 44 1377
Immigration Department of Malaysia - Jabatan Imigresen Malaysia
http://www.imi.gov.my/
Tel: 03 2095 5077
Inland Revenue Board Malaysia IRB - Lembaga Hasil Dalam Negeri LHDN
http://www.hasilnet.org.my/
Tel: 03 6201 7055, 03 6201 0066
Industrial Court - Mahkamah Perusahaan
http://www.jaring.my/ksm/mp/
Tel: 03 2691 2011, 03 2691 2121, 03 2691 2414
Information Department of Malaysia - Jabatan Penerangan Malaysia
http://www.penerangan.gov.my/
Tel: 03 2698 3355
Jabatan Agama Islam Selangor JAIS - Islamic Department of Selangor
http://jais.selangor.gov.my/bm/
Jabatan Agama Islam Wilayah Persekutuan JAWI - Federal Territory Islamic Affairs Department
http://www.jawi.gov.my/
Kompleks Pusat Islam, Jalan Perdana, 50519 Kuala Lumpur
Tel: 03 2274 9333 (KL), 03 8889 2971 (Putrajaya), 087 41 5311 (Labuan)
Jabatan Hal-Ehwal Agama Islam Perlis JAIPs - Islamic Affairs Department of Perlis
http://www.perlis.gov.my/jaip/
Tel: 04 976 1442, Fax: 04 976 1334
Jabatan Insolvensi Malaysia - Department of Insolvency
http://www.bheuu.gov.my/
Jabatan Perdana Menteri
Aras 3, Blok B7, Parcel B, Pusat Pentadbiran Kerajaan Persekutuan, 62502 Putrajaya
Tel: 03 8888 1012, Fax: 8888 3717
Jabatan Kehakiman Syariah Malaysia JKSM
http://www.jksm.gov.my/
Aras 2 & 3, Blok D7, Parcel D, Pusat Pentadbiran Kerajaan Persekutuan, 62677 Putrajaya
Tel: 03 8886 4800, Fax: 03 8889 1627
Jabatan Kemajuan Islam Malaysia JAKIM - Department Of Islamic Development Malaysia
http://www.islam.gov.my/
Tel: 03 8886 4282
Jabatan Kerja Raya JKR - Public Works Department PWD
http://www.jkr.gov.my/
Tel: 03-2691 9011
Jabatan Mufti Negeri Selangor
http://www.muftiselangor.gov.my/
Tingkat 7 & 8, Menara Utara, Bangunan Sultan Idris Shah, 40000 Shah Alam, Selangor
Tel: 03 5514 3738, Fax: 03 5519 7584
Jabatan Penerangan Malaysia - Information Department of Malaysia
http://www.penerangan.gov.my/
Jabatan Pengangkutan Jalan Malaysia JPJ - Road Transport Department RTD
http://www.jpj.gov.my/
Hotline Tel: 03 8886 6400
Jabatan Pengangkutan Jalan Negeri Sabah - JPJ Sabah
http://www.jpjsabah.gov.my/
Jalan Bundusan, Penampang, Beg Berkunci 2013, 88620 Kota Kinabalu, Sabah
Tel: 088 71 7777, Fax: 088 72 3366
Jabatan Pengangkutan Jalan Wilayah Persekutuan Kuala Lumpur - JPJ KL
http://www.jpjwilayah.gov.my/
Lot 14264 Jalan Genting Kelang, Setapak, 53300 Kuala Lumpur
Tel: 03 4024 1200, Fax: 03 4023 6599
Jabatan Perkhidmatan Awam JPA - Public Service Department PSD
http://www.jpa.gov.my/
Blok C1 & C2, Parcel C, Pusat Pentadbiran Kerajaan Persekutuan, 62510 Putrajaya
Tel: 03 8885 3000
Jabatan Perhutanan Negeri Kedah - Kedah Forestry Department
http://www.kedforestry.gov.my/
Tingkat 8, Bangunan Sultan Abdul Halim, 05000 Alor Setar, Kedah
Tel: 04 733 3844, Fax: 04 731 0610
Jabatan Perhutanan Semenanjung Malaysia JPSM - Forestry Department of Peninsular Malaysia
http://www.forestry.gov.my/
Jalan Sultan Salahuddin, 50660 Kuala Lumpur
Tel: 03 2616 4488, Fax: 03 2692 5657
Jabatan Perpaduan & Integrasi Nasional - Department of National Unity & Integration
http://www.jpnin.gov.my/
Jabatan Perdana Menteri
Aras 7-10, Blok E2, Parcel E, Pusat Pentadbiran Persekutuan Putrajaya, 62502 Putrajaya
Tel: 03 8883 7000
Kastam Diraja Malaysia - Royal Customs Malaysia
(formerly Jabatan Kastam Dan Eksais Diraja Malaysia - Royal Customs & Excise Department)
http://www.customs.gov.my/
Blok 11, Kompleks Pejabat-pejabat Kerajaan, Jalan Duta, 50596 Kuala Lumpur
Tel: 03 6201 6088, Fax: 03 6201 5125, E-mail: '; document.write( '' ); document.write( addy_text28998 ); document.write( '<\/a>' ); //-->\n
Ketua Setiausaha Negara Malaysia - Chief Secretary to the Government of Malaysia
http://www.pmo.gov.my/website/ksnwebdb.nsf
Jabatan Perdana Menteri
Blok Timur, Pusat Pentadbiran Kerajaan Persekutuan, 62502 Putrajaya
Tel: 03 8888 1480, Tel: 03 8888 3382
Labour Department - Jabatan Buruh Semenanjung Malaysia
http://www.jaring.my/ksm/jbsm/
Tel: 03 8886 5000
Landscape Department - Jabatan Landskap Negara
http://www.kpkt.gov.my/jln/
Tel: 03 4045 2416
Malaysian Meteorological Service - Perkhidmatan Kajicuaca Malaysia
http://www.kjc.gov.my/
Tel: 03 7967 8000, Info Cuaca Tel: 600 82 7752
Weather Forecast - Ramalan Cuaca: http://www.kjc.gov.my/english/weather/forecast/public.html
Malaysian Army - Tentera Darat Malaysia. TDM
http://army.mod.gov.my/
Tel: 03 2692 1333
Manpower Department - Jabatan Tenaga Rakyat
http://www.jtr.gov.my/
Tel: 03 2095 7222
Marine Department of Malaysia - Jabatan Laut Malaysia
http://www.marine.gov.my/
Tel: 03 3167 7677
Minerals and Geoscience Department Malaysia - JMG
http://www.jmg.gov.my/
19th-22nd Floor, Bangunan Tabung Haji, Jln Tun Razak, 50658 Kuala Lumpur
Tel: 03 2161 1033, Fax: 03 2161 1036
National Audit Department - Jabatan Audit Negara Malaysia
http://www.audit.gov.my/
Tel: 03 2694 6422
National Registration Department NRD - Jabatan Pendaftaran Negara JPN
http://www.jpn.gov.my/
Tel: 03 7968 3200 (PJ), KL Tel: 03 2692 5044 (KL)
National Security Division NSD - Bahagian Keselamatan Negara BKN
http://www.bkn.gov.my/
Tel: 03 8888 2085
Pejabat Ketua Pegawai Keselamatan Kerajaan Malaysia - Office of The Government Chief Security Officer
http://www.cgso.jpm.my/
Jabatan Perdana Menteri
Aras 1 & 2, Blok B7, Pusat Pentadbiran Kerajaan Persekutuan, 62502 Wilayah Persekutuan Putrajaya
Tel: 03 8888 1957, Fax: 03 8888 3258
Pejabat Setiausaha Persekutuan Sabah - Office of Federal Secretary, Sabah
http://www.psupsabah.gov.my/
Jabatan Perdana Perdana Menteri Malaysia
Tingkat 7, Rumah Persekutuan, Beg Berkunci No. 2063, Jalan Mat Salleh, 88592 Kota Kinabalu, Sabah
Tel: 088 24 4303, Fax: 088 21 8950
Pejabat Setiausaha Persekutuan Sarawak - Office of Federal Secretary, Sarawak
http://www1.sarawak.com.my/org/psps/
Jabatan Perdana Perdana Menteri Malaysia
Tingkat 17, Bangunan Sultan Iskandar, Jalan Simpang Tiga, 93300 Kuching, Sarawak
Tel: 082 24 4077, Fax: 082 24 3332
Prisons Department - Jabatan Penjara Malaysia
http://www.prison.gov.my/
Tel: 03 8736 8505
Public Complaints Bureau - Biro Pengaduan Awam
http://www.bpa.jpm.my/
Tel: 03 8888 7777
Public Services Commission PSC - Suruhanjaya Perkhidmatan Awam Malaysia
http://www.spa.gov.my/
Tel: 03 8885 6000
Registrar of Society ROS - Jabatan Pendaftaran Pertubuhan Malaysia JPPM
http://www.jppmros.gov.my/
Tel: 03 4041 1577
Royal Malaysian Air Force - Tentera Udara DiRaja Malaysia. TUDM
http://maf.mod.gov.my/
Tel: 03 2692 1333 (Mindef)
Royal Malaysian Navy - Tentera Laut DiRaja Malaysia. TLDM
http://maf.mod.gov.my/english/navy/homepage/index.html
Tel: 03 2692 1333 (Mindef)
Royal Malaysian Police - Polis Diraja Malaysia PDRM
http://www.rmp.gov.my/
Tel: 03 2262 6310 (Bukit Aman)
Social Welfare Department - Jabatan Kebajikan Masyarakat Malaysia
http://www.kempadu.gov.my/jkm/default.htm
Tel: 03 2692 5011
Unit Penyelarasan Pelaksanaan - Implementation & Coordination Unit - ICU
http://www.icu.gov.my/
Bangunan Perdana Putra, Pusat Pentadbiran Kerajaan Persekutuan, 62502 Putrajaya, Wilayah Persekutuan
Tel: 03 8888 1957, Fax: 03 8888 3528
Urban Transportion Department, Kuala Lumpur City Hall - Jabatan Pengangkutan Bandar
http://www.jpbdbkl.gov.my/
Valuation & Property Services Department - Jabatan Penilaian Dan Perkhidmatan Harta JPPH
http://www.jpph.gov.my/
Tel: 03 8882 4600
Prime Minister's Office
Pejabat Perdana Menteri Malaysia
http://www.pmo.gov.my/
Prime Minister: Dato’ Seri Abdullah Ahmad Badawi
Federal Government Administration Center, Bangunan Perdana Putra, 62502 Putrajaya
Tel: 03 8888 8000, Fax: 03 8888 3444
Deputy Prime Minister's Office
Pejabat Timbalan Perdana Menteri Malaysia
http://www.pmo.gov.my/website/tpmwebdb.nsf
Deputy Prime Minister: Dato’ Sri Mohd Najib Bin Tun Haji Abdul Razak
Aras 4, Blok Barat, Bangunan Perdana Putra, Pusat Pentadbiran Kerajaan Persekutuan, 62502 Putrajaya
Tel: 03 8888 1950, Fax: 03 8888 0035
Ministers in the Prime Minister's Department:
Minister: Tan Sri Bernard Giluk Dompok
Minister: Dato’ Seri Mohamad Nazri Bin Abdul Aziz
Minister: Senator Dato' Sri Mohd Effendi Bin Norwawi
Minister: Prof Datuk Dr Abdullah Bin Mohd Zin
Minister: Datuk Dr Maximus @ Johnity Ongkili
Deputy Ministers Ministers in the Prime Minister's Department:
Deputy Minister: Datuk Dr M Kayveas
Deputy Minister: Encik Joseph Entulu Anak Belaun
Deputy Minister: Senator Dato' Abdul Rahman Bin Suliman
Parliamentary Secretary of the Prime Minister's Office:
Dato' Dr Mashitah Binti Ibrahim
Ministry of Agriculture & Agro-Based Industry
Kementerian Pertanian & Industri Asas Tani
http://agrolink.moa.my/
Minister: Tan Sri Dato' Hj. Muhyiddin Bin Hj Mohd Yassin
Deputy: Dato' Seri Mohd Shariff Hj Omar
Deputy: Datuk Mah Siew Keong
Wisma Tani, Jalan Sultan Salahuddin, 50624 Kuala Lumpur
Tel: 03 2617 5000, Fax: 03 2691 3758
Ministry of Arts, Culture & Heritage
Kementerian Kesenian, Kebudayaan & Warisan - KeKKWa
http://heritage.gov.my/
Minister: Datuk Seri Utama Dr Rais Yatim
Deputy: Dato' Wong Kam Hoong
Tingkat 26, 27, 30, 34 & 35, Menara TH Perdana, Maju Junction, 1001 Jalan Sultan Ismail, 50694 Kuala Lumpur
Tel: 03 2612 7600, Fax: 03 2693 5114
Ministry of Defence
Kementerian Pertahanan
http://www.mod.gov.my/
Minister: Dato' Sri Mohd Najib Bin Tun Haji Abdul Razak
Deputy: Dato' Hj Zainal Abidin Bin Hj Zin
Jalan Padang Tembak, 50634 Kuala Lumpur
Tel: 03 2071 1333, Fax: 03 2691 7217
Ministry of Domestic Trade & Consumer Affairs
Kementerian Perdagangan Dalam Negeri & Hal Ehwal Pengguna
http://www.kpdnhep.gov.my/
Minister: Dato’ Shafie Bin Haji Apdal
Deputy: Dato’ S. Veerasingam
Deputy: Encik Hoo Seong Chang
Lot 2G3, Presint 2, Pusat Pentadbiran Kerajaan Persekutuan, 62623 Putrajaya
Tel: 03 8882 5500, 1 800 866 800 (Aduan Harga), 1 800 882 002 (Anti Piracy), Fax: 03 8882 5762
Ministry of Education
Kementerian Pendidikan
http://www.moe.gov.my/
Minister: Dato’ Hishammuddin Bin Tun Hussein
Deputy: Dato’ Hong Choon Kin
Deputy: Dato' Haji Noh Bin Omar
Aras 5, Blok E8, Parcel E, Pusat Pentadbiran Kerajaan Persekutuan, 62604 Putrajaya
Tel: 03 8884 6000
Ministry of Energy, Water & Communications
Kementerian Tenaga, Air & Komunikasi
http://www.ktkm.gov.my/
Minister: Dato’ Seri Dr. Lim Keng Yaik
Deputy: Dato’ Shaziman Bin Abu Mansor
Block E4/5, Kompleks Kerajaan Parcel E, Pusat Pentadbiran Kerajaan Persekutuan, 62668 Putrajaya
Tel: 03 8883 6000, Fax: 03 8889 3712
Ministry of Entrepreneur & Cooperative Development
Kementerian Pembangunan Usahawan & Koperasi
http://www.kpun.gov.my/
Minister: Dato’ Mohamed Khaled Bin Nordin
Deputy: Dato’ Khamsiyah Binti Yeop
2 (Lot 2G6), Pusat Pentadbiran Kerajaan Persekutuan, Putrajaya
Tel: 03 03 8880 5000, Fax: 03 8880 5106
Ministry of Federal Territories
Kementerian Wilayah Persekutuan
http://www.kwp.gov.my/
Minister: Dato' Haji Zulhasnan Bin Rafique
Deputy: Datuk Wira Abu Seman Bin Haji Yusop
Aras 1-4, Blok 2, Menara PjH, Presint 2, 62100 Putrajaya
Tel: 03 8889 7888, Fax: 03 8888 9140
Ministry of Finance
Kementerian Kewangan
http://www.treasury.gov.my/
Minister: Dato’ Seri Abdullah Bin Haji Ahmad Badawi
Minister: Senator Tan Sri Nor Mohamed Bin Yakcop
Deputy: Datuk Dr Ng Yen Yen
Deputy: Dr. Awang Adek Bin Hussin
Kompleks Kementerian Kewangan, Precinct 2, 62592 Putrajaya
Tel: 03 8882 3000, Fax: 03 8882 3892
Ministry of Foreign Affairs
Kementerian Luar Negeri
http://www.kln.gov.my/
Minister: Datuk Seri Syed Hamid Bin Syed Jaafar Albar
Deputy: Datuk Joseph Salang Gandum
Wisma Putra, 1 Jalan Wisma Putra, Precinct 2, 62602 Putrajaya
Tel: 03 8887 4000, 03 887 4570 (After Hours/Emergency), Fax: 03 8889 1717
Ministry of Health
Kementerian Kesihatan
http://www.moh.gov.my/
Minister: Datuk Dr Chua Soi Lek
Deputy: Datuk Dr Abdul Latiff Bin Ahmad
Blok E7, Parcel E, Pusat Pentadbiran Kerajaan Persekutuan, 62510 Wilayah Persekutuan
Tel: 03 8883 2539, Fax: 03 8889 5245
Ministry of Higher Education
Kementerian Pendidikan Tinggi
http://www.mohe.gov.my/
Minister: Datuk Mustapa bin Mohamed
Deputy: Datuk Ong Tee Keat
Blok E3, Parcel E, Pusat Pentadbiran Kerajaan Persekutuan, 62505 Putrajaya
Tel: 03 8883 5000, Fax: 03 8889 3921
Ministry of Home Affairs
Kementerian Dalam Negeri
http://www.moha.gov.my/
Minister: Datuk Seri Mohd. Radzi bin Sheikh Ahmad
Deputy: Dato Tan Chai Ho
Blok D1, Parcel D, Pusat Pentadbiran Kerajaan Persekutuan, 62546 Putrajaya
Tel: 03 8886 8000, Fax: 03 8889 1613
Ministry Housing & Local Government
Kementerian Perumahan & Kerajaan Tempatan
http://www.kpkt.gov.my/
Minister: Dato' Seri Ong Ka Ting
Deputy: Dato' Hjh Azizah Binti Datuk S.P. Hj Mohd Dun
Deputy: Datuk Robert Lau Hoi Chew
Paras 5, Blok K, Pusat Bandar Damansara, Peti Surat 12579, 50782 Kuala Lumpur
Tel: 03 2094 7033, Fax: 03 2094 7380
Ministry of Human Resources
Kementerian Sumber Manusia
http://www.mohr.gov.my/
Minister: Datuk Wira Dr Fong Chan Onn
Deputy: Datuk Abdul Rahman Bin Bakar
Level 6-9, Block D3, Parcel D, Pusat Pentadbiran Kerajaan Persekutuan, 62502 Putrajaya
Tel: 03 8886 5000, Fax: 03 8889 2381
Ministry of Information
Kementerian Penerangan
http://www.kempen.gov.my/
Minister: Datuk Zainuddin Bin Maidin
Deputy: Datuk Ahmad Zahid bin Hamidi
Deputy: Encik Chia Kwang Chye
Angkasapuri, Bukit Putra, 50610 Kuala Lumpur
Tel: 03 2282 5333, Fax: 03 2282 1255
Ministry of Internal Security
Kementerian Keselamatan Dalam Negeri
http://www.mois.gov.my/
Minister: Dato’ Seri Abdullah Ahmad Badawi
Deputy: Dato' Mohd Johari Bin Baharum
Deputy: Dato' Fu Ah Kiow
Blok D1 & D2, Parcel D, Pusat Pentadbiran & Kerajaan Persekutuan, 62546 Putrajaya
Tel: 03 8886 8000, Fax: 03 8889 1613
Ministry of International Trade & Industry
Kementerian Perdagangan Antarabangsa & Industri
http://www.miti.gov.my/
Minister: Dato' Seri Rafidah binti Aziz
Deputy: Dato` Hj Ahmad Husni Mohamad Hanazlah
Deputy: Encik Ng Lip Yong
Block 10, Government Offices Complex, Jalan Duta, 50622 Kuala Lumpur
Tel: 03 6203 3022, Fax: 03 6203 2337
Ministry of Natural Resources & Environment
Kementerian Sumber Asli & Alam Sekitar
http://www.nre.gov.my/
Minister: Dato’ Seri Hj Azmi Khalid
Deputy: Sothinathan a/l Sinna Gaundar
Tingkat 13, Wisma Tanah, Jalan Semarak, 50574, Kuala Lumpur
Tel: 03 2692 1566, Fax: 03 2691 9426
Ministry of Plantation Industries & Commodities
Kementerian Perusahaan Perladangan & Komoditi
http://www.kppk.gov.my/
Minister: Dato’ Peter Chin Fah Kui
Deputy: Datuk Anifah Bin Hj Aman
Aras 6-13, Lot 2G4, Precint 2, Pusat Pentadbiran Kerajaan Persekutuan, 62654 Putrajaya
Tel: 03 8880 3300, Fax: 03 8880 3422
Ministry of Rural & Regional Development
Kementerian Kemajuan Luar Bandar & Wilayah
http://www.rurallink.gov.my/
Minister: Dato’ Abdul Aziz Bin Shamsudin
Deputy: Dato' Haji Zainal Abidin Bin Haji Osman
Deputy: Datuk Dr. Tekhee @ Tiki Anak Lafe
Blok D9, Parcel D, Kompleks Kerajaan Persekutuan, 62606 Putrajaya
Tel: 03 8886 3500, Fax: 03 8889 2104
Ministry of Science, Technology & Innovations
Kementerian Sains, Teknologi & Inovasi
http://www.mosti.gov.my/
Minister: Dato’ Dr Jamaluddin Bin Dato’ Mohd Jarjis
Deputy: Dato' Kong Cho Ha
1-7, Blok C5, Pusat Pentadbiran Kerajaan Persekutuan, 62662 Putrajaya
Tel: 03 8885 8000, Fax: 03 8888 6070
Ministry of Tourism
Kementerian Pelancongan
http://www.motour.gov.my/
Minister: Senator Datuk Tengku Adnan Tengku Mansor
Deputy: Dato' Donald Lim Siang Chai
Tingkat 6, 21, 32-36, Menara Dato' Onn, Pusat Dagangan Dunia Putra, 45 Jalan Tun Ismail, 50695 Kuala Lumpur
Tel: 03 2693 7111, Fax: 03 2694 1146
Ministry of Transport
Kementerian Pengangkutan
http://www.mot.gov.my/
Minister: Dato’ Sri Chan Kong Choy
Deputy: Tengku Dato’ Seri Azlan Ibni Sultan Abu Bakar
Deputy: Datuk Douglas Uggah Embas
Aras 5, 6 & 7, Blok D5, Parcel D, Pusat Pentadbiran Kerajaan Persekutuan, 62502 Putrajaya
Tel: 03 8886 6000, Fax: 03 8889 2537
Ministry of Women, Family & Community Development
Kementerian Pembangunan Wanita, Keluaga & Masyarakat
http://www.kpwkm.gov.my/
Minister: Datuk Shahrizat Binti Abdul Jalil
Deputy: Dato' G Palanivel a/l K Govindasamy
Aras 1-6, Blok E, Kompleks Pejabat Kerajaan Bukit Perdana, Jalan Dato' Onn, 50515 Kuala Lumpur
Tel: 03 2693 0095, Fax: 03 2693 4982
Ministry of Works
Kementerian Kerja Raya
http://www.kkr.gov.my/
Minister: Dato' Seri S Samy Vellu
Deputy: Dato` Ir Mohd Zain Mohamad
Tingkat 4, Blok B, Kompleks Kerja Raya, Jalan Sultan Salahuddin, 50580 Kuala Lumpur
Tel: 03 03-2711 1100, Fax: 03 2711 6564
Ministry of Youth & Sports
Kementerian Belia & Sukan
http://www.kbs.gov.my/ or http://www.menteribeliasukan.net/
Minister: Dato' Azalina Binti Dato' Othman Said
Deputy: Dato' Liow Tiong Lai
Lot 4 G4, Presint 4, Pusat Pentadbiran Kerajaan Persekutuan, 62570 Putrajaya
Tel: 03 8871 3333, Fax: 03 8888 8767
Academy Of Sciences - Akademi Sains Malaysia
http://www.akademisains.gov.my/
Tel: 03 2694 9898
Anti Corruption Agency ACA - Badan Pencegah Rasuah BPR
http://www.bpr.gov.my/
Tel: 03 6201 1982
Biotechcorp - Malaysian Biotechnology Corporation - Implementing agency for furthering biotechnology objectives
http://www.biotechcorp.com.my/
Level 23, Menara Naluri, 161 Jalan Ampang, 50450 Kuala Lumpur
Tel: 03 2116 5588, Fax: 03 2116 5411
Board of Architects Malaysia - Lembaga Arkitek Malaysia
http://www.lam.gov.my/
Tingkat 17, Block F, Ibu Pejabat JKR, Jalan Sultan Salahuddin, 50582 Kuala Lumpur
Tel: 03 2698 2878, Fax: 03 2693 6881
Communications and Multimedia Consumer Forum of Malaysia, The
http://www.cfm.org.my/
CMC - Malaysian Communications and Multimedia Commission
http://www.cmc.gov.my/
Tel: 03 4047 7000
DARA - Lembaga Kemajuan Pahang Tenggara
http://www.kplb.gov.my/dara/
Wisma Sultan Ahmad Shah, 26700 Muadzam Shah, Pahang
Tel: 09 452 2300, Fax: 09 452 2110
Dasar Sosial Negara DSN - National Social Policy
http://www.dsn.gov.my/
Bahagian Pengembangan & Pembangunan PINTAS,
Tingkat 20, Wisma Bumi Raya, Jalan Raja Laut, 50562 Kuala Lumpur
Tel: 03 2692 5022, Fax: 03 2693 7353
Dewan Bahasa & Pustaka - DBP
http://www.dbp.gov.my/
Tel: 03 2148 1011
Elections Commission - Suruhanjaya Pilihan Raya Malaysia
http://www.spr.gov.my/
Tel: 03 8885 6500
EPF - Kumpulan Wang Simpanan Pekerja KWSP. Employees Provident Fund
http://www.kwsp.gov.my/
Tel: 03 2694 6566, 03 2694 7566, 03 2694 8566
Energy Commission - Suruhanjaya Tenaga
http://www.eest.net.my/ or http://www.st.gov.my/
13th Floor, Menara TH Perdana, 1001 Jalan Sultan Ismail, 50250 Kuala Lumpur
Tel: 03 2612 5400, Fax: 03 2693 7791
Examinations Council - Majlis Peperiksaan Malaysia
http://www.mpm.edu.my/
Tel: 03 6136 9663
FAMA - Lembaga Pemasaran Pertanian Persekutuan Malaysia (with pasar tani schedule)
http://www.famaxchange.org/
Bangunan FAMA Point, Lot 17304 Jalan Persiaran 1, Bandar Baru Selayang, 68100 Batu Caves, Selangor
Tel: 03 6138 9622, Fax: 03 6136 5610
FELCRA Berhad - Lembaga Penyatuan dan Pemulihan Tanah Persekutuan
http://www.felcra.com.my/
Tel: 03 4143 3646
FELDA - Federal Land Development Authority or Lembaga Kemajuan Tanah Persekutuan
http://www.felda.net.my/
Tel: 03 2693 5066
Filem Negara
http://www.filemnegara.gov.my/
Tel: 03 7968 2137
FINAS - Perbadanan Kemajuan Filem Nasiona. National Film Development Corporation
http://www.finas.gov.my/
Tel: 03 4108 5722
FRIM - Forest Research Institute of Malaysia
http://frim.gov.my
Tel: 03 6279 7000
Gerbang Mesra Selangor
http://gerbang.selangor.gov.my/
Halal JAKIM - Pensijilan Halal JAKIM, aduan Halal & semakan status Halal, certification, logo, food
http://www.halaljakim.gov.my/
Highway Authority - LLM Lembaga Lebuhraya Malaysia
http://llmnet.gov.my/
Tel: 03 8737 3000
IKIM - Institut Kefahaman Islam Malaysia. Institute of Islamic Understanding Malaysia
http://www.ikim.gov.my/
Tel: 03 6204 6200
Institut Jantung Negara IJN - National Heart Institute NHI
http://www.ijn.com.my/
145, Jalan Tun Razak, 50400 Kuala Lumpur
Tel: 03 2617 8200
Institut Latihan Kehakiman & Perundangan - Judicial & Legal Training Institute
http://www.ilkap.gov.my/
Lot 5, Jalan Universiti, Seksyen 15, 43650 Bandar Baru Bangi, Selangor
Tel: 03 8925 9088, Fax: 03 8924 3413
Institut Penilaian Negara - INSPEN - National Institute Of Valuation
http://www.inspen.gov.my/
5 Persiaran Institute Bangi, 43000 Kajang, Selangor
Tel: 03 8925 9377, Fax: 03 8925 8100
Institut Sosial Malaysia - ISM - Social Institute of Malaysia
http://www.ism.gov.my/
Institute for Development Studies (Sabah) - IDS
http://www.ids.org.my/
Suite 7CFO1, 7th Floor, Block C, Kompleks Karamunsing 88300 Kota Kinabalu
Tel: 088 246166, Fax: 088 234707
Institute of Diplomacy and Foreign Relations, The (IDFR)
http://www.idhl.gov.my/
INTAN - Institut Tadbiran Awam Negara or National Institute of Public Administration
http://www.intanbk.intan.my/
Tel: 03 2095 2400
KEDA Lembaga Kemajuan Wilayah Kedah - Kedah Regional Development Authority
http://202.187.18.49/
Bangunan UMNO, Jalan Tunku Ibrahim, Peti Surat 195, 05720 Alor Setar, Kedah
Tel: 04 733 1966, Fax: 04 731 3966
Kedai.Kom - Perak, Kedah
Program Pembangunan Komunikasi Rakyat (PPKR) untuk menyalurkan akses perkhidmatan komunikasi terutamanya perkhidmatan internet jalur lebar ke kawasan luar bandar
http://www.kedaikom.net.my/
KEJORA - Lembaga Kemajuan Johor Tenggara
http://www.kejora.gov.my/
Jalan Dato' Hj Hassan Yunos, Bandar Penawar, 81900 Kota Tinggi, Johor
Tel: 07 822 1601, Fax: 07 822 1600
KETENGAH - Lembaga Kemajuan Terengganu Tengah
http://www.ketengah.gov.my/
Karung Berkunci No. 3, 23409 Al Muktafi Billah Shah, Terengganu
Tel: 09 822 3100, Fax: 09 822 3104
Land Custody & Development Authority - LCDA
http://www.pelita.gov.my/
Level 5, 8 & 12, Wisma Satok, Jalan Satok, 93400 Kuching, Sarawak
Tel: 082 23 5944, Fax: 082 23 6001
Lembaga Getah Malaysia LGM - Malaysian Rubber Board
http://www.lgm.gov.my/
Bangunan Getah Asli (Menara), Tingkat 17 & 18, Bangunan Getah Asli, 148 Jalan Ampang, 50450 Kuala Lumpur
Tel: 03 9206 2000, Fax: 03 2163 4492
Lembaga Penduduk dan Pembangunan Keluarga Negara LPPKN - National Population & Family Development Board
http://www.lppkn.gov.my/
12B, LPPKN Building, Jalan Raja Laut, 50350 Kuala Lumpur
Tel: 03 2693 7555, Fax: 03 2692 1357
Lembaga Pengarah Pembangunan Sumber Manusia Berhad PSMB - Human Resources Development Fund
Pendaftaran Skim Latihan Graduan - Graduate Training Scheme Registration
http://www.hrdnet.com.my/
Tingkat 7, Wisma Chase Perdana, Off Jalan Semantan, Bukit Damansara, 50490 Kuala Lumpur
Tel: 03 2098 4800, Fax: 03 2093 5722
Lembaga Tabung Angkatan Tentera - LTAT
http://www.ltat.org.my/
Tingkat 9-12, Bangunan LTAT, Jalan Bukit Bintang, 50748 Kuala Lumpur
Tel: 03 2148 9777, Fax: 03 2148 0939
Lembaga Tabung Haji - Pilgrims Fund Board
http://www.tabunghaji.gov.my/
Tel: 03 2161 2233, 03 2161 4255
Malaysia Design Council
http://www.malaysiadesigncouncil.gov.my/
SIRIM Berhad Complex, Block 25, 1 Persiaran Dato' Menteri, Section 2, 40911 Shah Alam, Selangor
Tel: 03 5544 5621, Fax: 03 5544 5620
Malaysia Design Innovation Centre - MDIC
http://www.mdic.com.my/
Inovasi: 2-3, Jalan Teknokrat 1/1, 63000 Cyberjaya, Selangor
Tel: 03 8317 8888, Fax: 03 8317 8988
Malaysian Centre for Remote Sensing - MACRES
http://www.macres.gov.my/
13 Jalan Tun Ismail, 50480 Kuala Lumpur, Malaysia
Tel: 03 26973400, Fax: 03 2697 3350
Malaysian Cocoa Board (Industry) - Lembaga Koko Malaysia (Industri)
http://www.koko.gov.my/
Tel: 088 25 2572
Malaysian Communications and Multimedia Commission - MCMC
Suruhanjaya Komunikasi & Multimedia Malaysia
http://www.mcmc.gov.my/
Level 11, Menara Dato' Onn, Putra World Trade Centre, 45 Jalan Tun Ismail, 50480 Kuala Lumpur
Tel: 1 800 888 030, 03 4047 7000, Fax: 03 2694 0943
Malaysian Industry-Government Group for High Technology - MIGHT
http://www.might.org.my/
Office of the Science Advisor to Prime Minister
Level 6, Block A2, Menara PjH, Presinct 2, 62100 Putrajaya
Tel: 03 83157888, Fax: 03 8888 8232
Malaysian Pineapple Industry Board
http://www.mpib.gov.my/
Malaysian Timber Certification Council, The
http://www.mtcc.com.my/
19 F, Level 19, Menara PGRM, 8 Jalan Pudu Ulu, Cheras, 56100 Kuala Lumpur
Tel: 03 9200 5008, Fax: 03 9200 6008
Malaysian Timber Council - MTC
http://www.mtc.com.my
Tel: 03 9281 1999
Malaysian Timber Industry Board - MTIB
http://www.mtib.gov.my/
Level 13-17, Menara PGRM, 8 Jalan Pudu Ulu, Cheras, 50728 Kuala Lumpur
Tel: 03 9282 2235, Fax: 03 9285 1477
MAMPU - Malaysian Administrative Modernisation & Management Planning Unit
Unit Pemodenan Tadbiran dan Perancangan Pengurusan Malaysia.
http://www.mampu.gov.my/
Tel: 03 8888 1199
Maritime Institute - MIMA
http://www.mima.gov.my/
MARA - Majlis Amanah Rakyat or Council of Trust For the Indigenous People
http://www.mara.gov.my/
21 Jalan Raja Laut, 50609 Kuala Lumpur
Tel: 03 2691 5111, Fax: 03 26913620
MARDEC Berhad
http://www.mardec.com.my/
Tel: 03 4256 7055
MARDI - Malaysian Agricultural Research and Development Institute
http://www.mardi.my/
Tel: 03 8943 7111
MASTIC - Malaysian Science & Technology Information Centre
http://www.mastic.gov.my/
Tel: 03 8885 8000
MDIC Malaysian Defence Industry Council - Majlis Industri Pertahanan Malaysia
http://mdic.mod.gov.my/
Tel: 03 2071 5675
MIMOS - Malaysian Institute of Microelectronic Systems
http://www.mimos.my/
Tel: 03 8996 5000, 03 8996 1900, 03 8996 5000 (Anjung MIMOS)
MINT - Malaysian Institute for Nuclear Technology Research
Institut Penyelidikan Teknologi Nuklear Malaysia
http://www.mint.gov.my/
Tel: 03 8925 0510
MPOB - Malaysian Palm Oil Board
http://mpob.gov.my/
Tel: 03 8925 9155
MPOPC - Malaysian Palm Oil Promotion Council
http://www.mpopc.org.my/
MTDC Malaysian Technology Development Corporation
http://www.mtdc.com.my/
Tel: 03 2161 2000
Multimedia Development Corporation - MDeC (formerly MDC)
http://www.mdec.com.my/ or http://www.mdc.com.my/
Tel: 03 8318 8477
Multimedia Technology Enhancement Operations - METEOR
http://www.meteor.com.my/
Post Box 132, 16th Floor, Angkasa Raya Building, Jalan Ampang, 50450 Kuala Lumpur
Tel: 03 2148 8400, Fax: 03 2141 5400
Multimedia Super Corridor - MSC
http://www.msc.com.my/
MSC Headquarters
2360 Persiaran APEC, 63000 Cyberjaya
Tel: 03 8315 3000, Fax: 03 8318 8519
MyCERT - Malaysian Computer Emergency Response Team
http://www.mycert.org.my/
c/o MIMOS Berhad, Technology Park Malaysia, 57000 Kuala Lumpur
Tel: 03 8996 1901, Fax: 03 8996 0827
MyKad - Kad Pintar Pelbagaiguna Kerajaan - Government Multipurpose ID Card
http://www.jpn.gov.my/gmpc/index.htm
MyNIC - Malaysian Network Information Center (.my domain name registration)
http://www.mynic.net.my/
Tel: 03 8657 7008
National Archives - Arkib Negara Malaysia
http://arkib.gov.my/
Tel: 03 6201 0688
National Biotechnology Directorate
http://www.biotek.gov.my/
Ministry of Science Technology & Innovation,
Level 3, Block C4, Parcel C, Federal Government Administrative Centre, 62662 Putrajaya
Tel: 03 8885 8187, Fax: 03 8888 4050
National Biotechnology & Bioinformatics Network - NBBnet
http://www.nbbnet.gov.my/
Aras 3, Blok C4, Parcel C, Pusat Pentadbiran Kerajaan Persekutuan, 62662 Putrajaya
National Library - Perpustakaan Negara Malaysia
http://www.pnm.my/
Tel: 03 2687 1700
National Narcotic Agency (Anti-Drug) - Agensi Anti-Dadah Kebangsaan
http://www.adk.gov.my/
National Pharmaceutical Control Bureau NPCB - Biro Pengawalan Farmaseutikal Kebangsaan BPFK
http://www.bpfk.gov.my/
Tel: 03 7957 3611
National Sports Council - Majlis Sukan Negara Malaysia Kompleks Sukan Negara, Bukit Jalil
http://www.nsc.gov.my/
Tel: 03 8992 9600
NIOSH - National Institute Of Occupational Safety And Health
http://www.niosh.com.my/
Tel: 03 8926 1900
NISER - National ICT Security and Emergency Response Centre
http://www.niser.org.my/
c/o MIMOS Berhad.
Technology Park Malaysia, 57000 Kuala Lumpur
Tel: 03 8996 1901, Fax: 03 8996 0827, E-mail: '; document.write( '' ); document.write( addy_text26560 ); document.write( '<\/a>' ); //-->\n
NLAC National Labour Advisory Council
http://www.jaring.my/ksm/nlac.htm
NPC - National Productivity Corporation. Perbadanan Produktiviti Negara
http://www.npc.org.my/
Tel: 03 7955 7266
Olympic Council Of Malaysia - OCM
http://www.olympic.org.my/
Tel: 03 2715 2802
Parliament - Parlimen Malaysia (Dewan Rakyat & Dewan Negara)
http://www.parlimen.gov.my/
Tel: 03 2072 1955
Penang Development Corporation
http://www.pdc.gov.my/
1 Pesiaran Mahsuri, Bandar Bayan Baru, 11909 Bayan Lepas, Penang
Tel: 04 634 0111, Fax: 04 643 2405
Pepper Marketing Board
http://www.sarawakpepper.gov.my/
Tel: 082 33 1811
Perbadanan Harta Intelek Malaysia - Intellectual Property Corporation of Malaysia
http://www.mipc.gov.my/
Aras 32, Menara Dayabumi, Jalan Sultan Hishamuddin, 50623 Kuala Lumpur
Tel: 03 2274 8671(Counter), 03 2274 2100 (Operator), Fax: 03 2274 1332
Perbadanan Putrajaya
http://www.putrajaya.net.my/
Tel: 03 8887 7000
Percetakan Nasional Malaysia Berhad (PNMB) - Print Nasional Malaysia Berhad
(Privatised company which was previously the National Government Printers)
http://www.printnasional.com.my/
Jalan Chan Sow Lin, 50554 Kuala Lumpur
Tel: 03 9221 2022, Fax: 03 9222 4773
PERDA Lembaga Kemajuan Wilayah Pulau Pinang - Penang Regional Development Authority
http://www.perda.gov.my/
1 Lorong Kampung Gajah 2, Jalan Kampung Gajah, 12200 Butterworth, Pulau Pinang
Tel: 04 310 3100, Fax: 04 3321676
PERKESO - See SOCSO below
PKNS Perbadanan Kemajuan Negeri Selangor
http://www.pkns.gov.my/
Tel: 03 7957 2955
PORIM - Palm Oil Reseach Institute of Malaysia
http://porim.gov.my/
PORLA
http://www.porla.gov.my/
Pusat Infrastruktur Data Geospatial Negara - Malaysian Centre for Geospatial Data Infrastructure (MaCGDI)
http://www.nalis.gov.my/
Tingkat 16, Wisma Tanah, Jalan Semarak, 50574, Kuala Lumpur
Tel: 03 2692 1566, Fax: 03-2693 4941
Pusat Pelancongan Malaysia - Malaysia Tourism Centre MTC
http://www.mtc.gov.my/
109 Jalan Ampang, 50450 Kuala Lumpur
Tel: 03 2163 3664, Fax: 03 2162 1149
Pusat Sains Negara PSN - National Science Center
http://www.psn.gov.my/
Pesiaran Bukit Kiara, Bukit Kiara, 50662 Kuala Lumpur
Tel: 03 2092 1150, Fax: 03 2092 1250
Pusat Tenaga Malaysia - National energy research centre
http://www.ptm.org.my/
Puspakom - Pusat Pemeriksaan Kenderaan Berkomputer. Vehicle Inspection & Safety Certification Center
http://www.puspakom.com.my/
553 A-E, Tkt 3&4, Batu 3 1/2, Jalan Ipoh 51200 Kuala Lumpur
Tel: 03 6258 3233, Fax: 03 6253 6199, E-mail: '; document.write( '' ); document.write( addy_text71717 ); document.write( '<\/a>' ); //-->\n
Jalan Genting Klang, Setapak, 53300 Kuala Lumpur
Tel: 03 4143 3321, Fax: 03 4143 5388
RISDA
http://www.risda.gov.my/
Bangunan RISDA, Km 7 Jalan Ampang, 50990 Kuala Lumpur
Tel: 03 4256 4022, Fax: 03 4257 6726
Sabah Economic Development Corporation - SEDCO
http://www.sabah.gov.my/sedco/
Tingkat 8, 9, 10, Wisma SEDCO, Lorong Plaza Wawasan, Off Coastal Highway, 88823 Kota Kinabalu, Sabah
Tel: 088 26 6777, Fax: 088 21 9179
Sabah Energy Corporation
http://www.sabahenergycorp.com/
1st, 2nd & 3rd Floors, Wisma Boon Siew, 9.5 KM, Tuaran Road, 88450 Inanam, Kota Kinabalu, Sabah
Tel: 088 44 0600, Fax: 088 44 0607
Sarawak Development Institute - SDI
http://www.sdi.com.my/
Kompleks AZAM, Jalan Crookshank, 93000 Kuching, Sarawak
Tel: 082 41 5484, Fax: 082 41 2799
Sarawak Economic Development Corporation SEDC
http://www.sedc.com.my/
6-11th Floor, Menara SEDC, Jalan Tunku Abdul Rahman, P O Box 400, 93902 Kuching, Sarawak
Tel: 082 41 6777, Fax: 082 42 4330
Sarawak Forestry
http://www.sarawakforestry.com/
Level 12, Office Tower, Hock Lee Centre, Jalan Datuk Abang Abdul Rahim, 93450 Kuching, Sarawak
Tel: 1 800 88 2526, 082 34 8001, Fax: 082 48 8654
Selangor Industrial Corporation - SIC
http://www.sic.com.my/
1 Jalan Singa B 20/B, Seksyen 20, 40000 Shah Alam, Selangor
Tel: 03 5541 6499, Fax: 03 5542 3573
Selangor State Investment Centre - SSIC
http://www.ssic.com.my/
24th Floor, Wisma MBSA, Persiaran Perbandaran, 40000 Shah Alam
Tel: 03 5510 2005, Fax: 03 5519 6403
SERI - Penang State Government's Socio-Economic and Environmental Research Institute (Think Tank)
http://www.seri.com.my/
SIRIM Berhad - Standards and Industrial Research Institute of Malaysia
http://www.sirim.my/
Tel: 03 5544 6000
SOCSO - Social Security Organization. PERKESO Pertubuhan Keselamatan Sosial Malaysia
http://www.perkeso.gov.my/
Menara PERKESO, 281 Jalan Ampang, 50538 Kuala Lumpur
Tel: 03 4264 5000, 03 4257 5755 (Hotline)
Technology Park Malaysia - TPM
http://www.tpm.com.my/
Tel: 03 8998 2020
Your Trusted, Experience and Largest
158-3-7, Blok 158, Kompleks Maluri,
Jalan Jejaka, Taman Maluri, Cheras,
55100 Kuala Lumpur, Malaysia
(O) 603-9286 3323
(F) 603-9282 3232