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MOTOR ASSISTANCE SERVICES
HELPLINE INFORMATION
FROM MALAYSIA INSURANCE COMPANIES

  
Motor Assistance Services applicable
for private car / private use only.
(Helpline Daily 24 hours)
 
AmGeneral Auto Assist Call Center    
Toll Free : 1 800 88 2647
AmGeneral Panel Workshops
               
AIG Road Ranger Assistance Call Centre
Toll Free :1 300 88 3933
AIG Panel Windscreen Workshops
             
Allianz Road Warrior Assistance Call Center
Toll Free : 1 800 22 5542 
Allianz Panel Workshops
 
AXA Motor Assistance Call Center
Toll Free : 1 800 88 1033
 
Berjaya Sompo Motor Assistance Call Center
Toll Free : 1 800 18 8033 
Berjaya Sompo Panel Workshops
 
Chubb Motor Assistance Call Center
Toll Free : 1 800 22 5542       
Chubb Panel Workshops
 
Etiqa Takaful Motor Assistance Call Center
Toll Free : 1 800 22 5542       
Etiqa Takaful Panel Workshops
 
Kurnia Auto Assistance (KAA) Call Center
Toll Free : 1 800 88 3833     
Kurnia Panel Workshops
 
Lonpac Motor E- Assist Helpline
Toll Free : 1 800 88 1138
 
MSIG Motor Assistance Call Center
Toll Free : 1 300 88 0833
 
RHB Insurance Roadside Assistance Call Center
Toll Free : 1 300 88 0881
RHB Panel Workshops
 
The Pacific Insurance Roadside Assistance Call Center
Toll Free : 1 300 88 0988
Pacific Panel Workshops
Pacific Panel Windscreen Workshops
 
Takaful Malaysia Roadside Assistance Call Center
Toll Free : 1 800 88 8788
Takaful Malaysia Panel Workshops
Takaful Malaysia Panel Windscreen Workshops
 
Tokio Marine Motor Assistance Call Centre
Toll Free :1 800 88 1301
Tokio Marine Panel Workshops
Tokio Marine Panel Windscreen Workshops 
 
Zurich Roadside Assistance Call Center
Toll Free : 1 300 88 6222
Zurich Panel Workshops
Zurich Panel Windscreen Workshops 
 
 
          
 
MEDICAL ASSISTANCE SERVICES
HELPLINE INFORMATION
FROM MALAYSIA INSURANCE COMPANIES
 

Medical / Hospital Insurance
Hospital Admission & Discharge Call Centre
(Helpline Daily 24 hours)
 
 
AXA Medical Assistance Helpline
Fixed Line : +603-7843 9459
Toll Free : 1 300 88 9979. 
 
Lonpac Medical Assistance Helpline        
Fixed Line : +603-7965 3882.
 
The Pacific Insurance Medical Assist Call Center
Fixed Line : +603-7628 3992,
Fixed Line : +603-7965 5660.
PIB Panel Hospital List
Allianz Medical Assistance Call Center
Toll Free : 1 800 88 1311 (Life)
Toll Free : 1 800 88 1138 (Non Life)  
Fixed Line : +603-7954 4629 (Life) 
Fixed Line : +603-7628 3600 (Non Life)
Allianz Panel Hospital List
 
MSIG Medical Assistance Call Center
Toll Free : +603-7956 1233
MSIG Panel Hospital List

Zurich Medical Assistance Call Center
Toll Free : 1 300 80 0020
Fixed Line : +603-7803 2003
 
AIA Medical Assistance Call Center 
Toll Free : 1 300 88 1899
 
 
 
TRAVEL ASSISTANCE SERVICES
HELPLINE INFORMATION
FROM MALAYSIA INSURANCE COMPANIES

Travel Insurance
Worldwide Assistance Call Centre
(Helpline Daily 24 hours)

AXA Travel Worldwide Assistance Helpline
Fixed Line : +603 2142 0399
 
Lonpac Travel Worldwide Assistance Helpline
Fixed Line : +603 2711 8299

AIG Travel Guard Worldwide Helpline
Fixed Line : +603 2772 5600

Allianz Travel Worldwide Assistance Helpline
Fixed Line : +603 7628 3919,
Fixed Line : +603-7965 3919.
 
MSIG Travel Worldwide Assistance Helpline
Fixed Line : +603-7965 3930

EMERGENCY EVACUATION MEDICAL ASSISTANCE
HELPLINE INFORMATION
FROM MALAYSIA INSURANCE COMPANIES

Emergency Evacuation& Repatriation Services
Medical Assistance Call Centre
 
AIG Worldwide Medical Assistance Call Centre
Fixed Line : +603-2772 5600
 
Zurich Worldwide Medical Assistance Call Centre
Fixed Line : +603-7956 1233
 
24 hours Claims Service
For Hospital Admission & Discharge and Travel Insurance.
 
Reporting A Claim / Notification
ACPG Insurance Claim Support Information

ACPG Claim Support Line (Office hours)
+ 603 - 9286 3323.
 

ACPG 24 hours Claim Notification
SMS, Whatsapps, Viber, Wechat, Line.
+ 6011 - 1223 9838
 

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+ 603 - 9282 3232
 

ACPG Claim Email Support/enquiry
ACPG Claim Skype Account :
acpg.insurance (service@acpgconsultant.com).

 
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AIG MALAYSIA INSURANCE BERHAD :
HSBC-3012-9587-9101
 

AXA AFFIN GENERAL INSURANCE BERHAD :
MBB-5141-0520-6919
Affin-1000-2000-9871

LONPAC INSURANCE BHD :
CIMB-9899-000-0003-71
 

MSIG INSURANCE (MALAYSIA) BHD :
MBB-5140-1127-9262
 

THE PACIFIC INSURANCE BERHAD :
MBB-5143-5681-4875
 
 
NCD Online Check (ISM)

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%.


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Find out the current insurer for your vehicle, type of coverage, policy period and policy number by entering your details 
 
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Malaysia Insurance Services, Malaysia Medical Insurance, Malaysia SME Insurance, Malaysia Liability Insurance - ACPG Video, Event & Promotion and Added Value Insurance Information

Video for Malaysia Insurance Services
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Your Trusted and Experience Malaysia Largest Insurance Risk Management and Solution Service Provider since year 1989 and Head Office located at Kuala Lumpur Malaysia.
 
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Malaysia Largest Insurance Risk Management and Solution Provider (Commercial / Business Insurance).
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Arranged By ACPG Management Sdn Bhd Your Trusted and Experience Malaysia Largest Insurance Solution Service Provider since year 1989.Any enquiry, please call +603-92863323 or email to enquiry@acpgconsultant.com or visit www.acpgconsultant.com.
 
 
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Malaysia Largest Insurance Solution Provider (Individual or Personal Insurance).
Malaysia Individual Insurance (Personal Insurance)
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Your Trusted and Experience Malaysia Largest Insurance Solution Service Provider since year 1989.
Any enquiry, please call +603-92863323 or email to enquiry@acpgconsultant.com or visit www.acpgconsultant.com.
 
Malaysia Largest Motor Insurance Provider for Private and Commercial use.

Malaysia Motor Vehicle Insurance (Private and Commercial use)
Arranged By ACPG Management Sdn Bhd
Your Trusted and Experience Malaysia Largest Insurance Solution Service Provider since year 1989.
Any enquiry, please call +603-92863323 or email to enquiry@acpgconsultant.com or visit www.acpgconsultant.com.
 
 
Malaysia Home Content Insurance (Fire & Lightning Insurance and Full Theft Insurance.
Malaysia Home Content Insurance
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Any enquiry, please call +603-92863323 or email to enquiry@acpgconsultant.com or visit www.acpgconsultant.com.
SPOT Advance Training Program
SPOT Advance Training Program
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Malaysia Medical Insurance Organisation (MMI)

Malaysia Medical Insurance Organization (MMI)
马来西亚医疗保险机构
Organisasi Insurans Perubatan Malaysia

Medical Insurance Careline : +603-9286 3323,
Email : mmicare@medicalinsurance.com.my,
Homepage : www.medicalinsurance.com.my
 
 
 
Malaysia Strata Title Insurance and Malaysia JMB Liability Insurance
Malaysia JMB Insurance Organization (JMBIM)
马来西亚JMB保险机构
Organisasi Insurans JMB Malaysia

JMBIM Careline : +603-9286 3323,
Email : enquiry@jmbinsurance.com.my,
Homepage : www.jmbinsurance.com.my
 
 
 
Malaysia Accident Insurance Plan (Group and Individual)
Malaysia Medical Insurance Organisation (MMI)
Malaysia Medical Insurance Organization (MMI)
马来西亚医疗保险机构
Organisasi Insurans Perubatan Malaysia

Medical Insurance Careline : +603-9286 3323,
Email : mmicare@medicalinsurance.com.my,
Homepage : www.medicalinsurance.com.my
 
 
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Call +603-92863323 or +6011-12239838 for more information.

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AIG is said to be the world’s largest insurance organization, with over 88 million customers, worldwide. They are said to be leaders in property casualty insurance, life insurance and retirement services, mortgage insurance, and aircraft leasing. AIG has existed in Malaysia since 1953 based out of Kuala Lumpur. However the financial institution became a locally incorporated insurance company in Malaysia only on 1 June 2008. AIG Malaysia has 14 offices and over 3000 professional agents, brokers and staff. The AIG car insurance is one of its most prefered products under general insurance. It is extremely useful for saving and ensuring good coverage for your vehicle.


AIG Motor Insurance Cheras Office located at
https://goo.gl/maps/gTFV9RFXFCR2
 
 
 
Allianz Motor Insurance Cheras Kuala Lumpur Malaysia +603-92863323
 
 
AXA Motor Insurance Cheras Kuala Lumpur Malaysia +603-92863323
 
 
 
Tokio Marine Motor Insurance Cheras Kuala Lumpur Malaysia +603-92863323
 
 
 
 
 
 
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ACPG Careline +603-92863323
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www.acpgconsultant.com
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Malaysia Largest General Insurance Risk Management Solution Provider since year 1989.
ACPG Careline +603-92863323
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Travel Insurance Malaysiaarranged by ACPG Management Sdn Bhd

Travel Insurance Malaysia, Business Travel Insurance Malaysia, Domestic Travel Insurance Malaysia, Oversea Travel Insurance Malaysia, Corporate Travel Insurance Malaysia.
Arranged By ACPG Management Sdn Bhd Your Trusted and Experience Malaysia Largest Insurance Solution Service Provider since year 1989.
Any enquiry, please call +603-92863323 or email to enquiry@acpgconsultant.com or visit www.acpgconsultant.com.
 
 
Healthcare Insurance Malaysia arranged by ACPG Management Sdn Bhd
Healthcare Insurance Malaysia, Medical Insurance Malaysia, Critical Illness Insurance Malaysia, Hospital and Surgical Insurance Malaysia.
Arranged By ACPG Management Sdn Bhd
Your Trusted and Experience Malaysia Largest Insurance Solution Service Provider since year 1989.
Any enquiry, please call +603-92863323 or email to enquiry@acpgconsultant.com or visit www.acpgconsultant.com.
 
 
Malaysia Insurance Career Assisted By ACPG Management Sdn Bhd
MalaysiaInsuransKerjayaBantuanDenganACPGManagement SdnBhd
 
 
General Insurance
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Women Special and Maternity Insurance
Education Insurance
Retirement Benefits Insurance
Financial and Investment Services

 
 
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Perkhidmatan KewangandanPelaburan
 
 
 
 
Malaysia Insurance Career Assisted By ACPG Management Sdn Bhd
MalaysiaInsuransKerjayaBantuanDenganACPGManagement SdnBhd
 

 
General Insurance
Commercial Insurance
Corporate Insurance
Business Insurance
Group Medical and Accident Scheme Insurance
Individual Insurance
Life Insurance
Medical and Health Insurance
Senior Citizen Insurance
New Bord Baby and Children Insurance
Women Special and Maternity Insurance
Education Insurance
Retirement Benefits Insurance
Financial and Investment Services

 
Insurans Am
Insurans Perdagangan
Insuranskorporat
Insuransperniagaan
KumpulanPerubatandanSkimInsuransKemalangan
Insuransindividu
Insurans Hayat
Insurans Perubatan danKesihatan
InsuransWarga Emas
NewBordBayidanKanak-kanakInsurans
WanitaKhas danInsuransBersalin
PendidikanInsurans
FaedahPersaraanInsurans
Perkhidmatan KewangandanPelaburan
 
 
 
 
 
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What Type Of Life Insurance Should I Buy?
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Arranged By ACPG Management Sdn Bhd Your Trusted and Experience Malaysia Largest Insurance Solution Service Provider since year 1989.
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How Much Life Insurance Do I Need to Buy?
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The Essentials Of Life Insurance In Malaysia

Life is often uncertain and unpredictable, hence it is necessary to ensure you and your family are protected from these unpredictable and inevitable life events. Whether it is planning for retirement, or protecting your loved ones in your absence, life insurance is a necessary protection plan.

However, there are still many Malaysians who do not prioritise life insurance in their financial planning. The 2012/2013 Protection Gap Study by Life Insurance Association of Malaysia (LIAM) found that only 56% of Malaysians are covered by life insurance.

If you are not covered, or if you are thinking of getting the right life insurance coverage, here is everything you need to know about getting a life insurance policy in Malaysia.

How does Malaysia life insurance work?

For the uninitiated, a life insurance policy is a contract with an insurance company, where you the payor/insured will pay a set amount of premium monthly, quarterly, bi-annually or annually, in exchange for a lump-sum payment, known as a death benefit, to beneficiaries upon the insured’s death.

Most life insurance nowadays also provide compensation for Total Permanent Disability (TPD), to protect the insured and his/her family in the event of the loss of ability to generate income.

The best part of life insurance for you and your beneficiaries is that death benefits from all types of life insurance are generally income tax-free.

Why do you need life insurance?

To figure out if you need life insurance, you need to think through the worst-case scenario. If you pass on tomorrow, how would your loved ones fare financially?

If someone will suffer financially after your death, chances are you need life insurance. This death benefit replaces your income and can help your family meet many important financial needs.

Would they have the money to pay for your final expenses, such as medical bills, funeral expenses, taxes, debts, lawyers’ fees? Would they be able to meet ongoing living expenses like rent or mortgage, food, clothing, transportation and healthcare– at least in the beginning?

What about long-term financial goals? Without your contribution to the household, would your surviving spouse be able to save enough money to put your children through university or retire comfortably? And would you want to leave something to your children or grandchildren?

Life insurance policy in Malaysia is most suitable for those who have financial dependents, and hence, it is not compulsory for children or retirees who are no longer earning an income or have financial dependents.

Life coverage helps make sure that the people you care about will be provided for financially, even if you are no longer around or lost the capacity to care for them. Your family can afford to make the choice that best preserves their quality of life when they are adequately protected by insurance.

Above that, you can claim for tax relief of up to RM6,000 per year for a life insurance policy together with your Employees Provident Fund (EPF) contributions.

Types of life insurance

Types of Life Insurance

Description

Endowment

A combination of protection and savings whereby the money will be paid at the end of a specific period upon your demise or if you suffer total and permanent disability.

Best for: Savings, wealth transfer, preservation and, tax-deferred wealth accumulation.

Investment-linked insurance

It combines investment and protection, where your premiums will be divided for life insurance cover and investment in specific funds of your choice. You can choose the premium allocation ratio.

Best for: Savings, wealth transfer, preservation and, tax-deferred wealth accumulation.

Life annuity

The insurance company will pay you over a set period of time until you pass away. Types of annuity include immediate annuity or deferred annuity.

Best for: Retirement savings and tax-deferred wealth accumulation.

Mortgage Reducing Term Assurance (MRTA)

It covers the repayment of an outstanding property loan to the financial institution in the event of untimely death, disability or critical illness of the borrower.

Best for: Estate planning and asset transfer.

Supplementary rider

A rider is a supplement attached to the basic insurance plan such as endowment or whole life. The common riders are medical, personal accident and critical illnesses.

Best for: Medical, personal accident and critical illnesses coverage.

Term insurance

For a limited period only, e.g. 10 years. It’s usually cheaper than other forms of life policy.

Best for: Income replacement in working years.

Whole life insurance

It is designed to provide lifetime coverage, hence it usually has higher premium payments than term life. Premium amount is typically fixed, it has a cash value, which functions as a savings component and may accumulate tax-deferred over time.

Best for: Wealth transfer, preservation and, tax-deferred wealth accumulation.


What are the factors to consider?

Life insurance should be for life, hence it makes sense to do your research and consider all aspects before making your purchase. Here are some important factors you need to consider in your quest to find the best life insurance plan in Malaysia to fit your needs.

1. Financial goals

Identify your financial goals. Knowing what your goals are will help identify the type of life insurance policy you need. While the most common reason for getting a life insurance is to continue to financially support your family after your demise, a life insurance policy can also help you with other goals too. You could be looking forward for a lump sum of maturity benefit in retirement, or sponsoring your child’s overseas education, or it could be one of the ways to reduce tax burden with the increase of family responsibilities. Whatever your goal is, it will play a significant role in helping you choose the most suitable type of life insurance.

2. Premium cost

While life insurance is purchased to accomplish your various financial goals and protect your family, it should also be affordable for you. Paying a high premium that you can barely afford will lead to a lapse policy, eventually, or worse – a financial meltdown later on.

According to financial planners, your insurance premium should comprise only 6% of your income. For example, if you are earning RM5,000, your monthly insurance premium should not be more than RM300.

Like shopping for anything, you need to do your homework and look for the best affordable life insurance policy.

3. Policy value

Determining how much life insurance you need does not have to be complicated.

Work with your insurance agent by using the following 3-step plan to find out how much insurance protection you require today to protect your loved ones.

Choosing the right life insurance

Choosing the perfect life insurance depends largely on your and your family’s personal financial needs for today and tomorrow.

Life insurance is an important coverage – for most people! As previously explained, it is best for individuals with financial dependents, and the more dependents you have the more your policy value or sum assured should be.

It is not just important to get a life insurance policy, but also an adequate one, as to not leave your dependents high and dry, if anything unfortunate were to happen to you. The average mortality gap per dependent is between RM100,000 and RM150,000. This is the average amount that a person needs to sustain his spending/lifestyle for the next five years upon the death of the breadwinner of the household.

Identify how much and what kind of life insurance you need to avoid getting stuck with inadequate coverage or expensive coverage that you don’t need.

When it comes to choosing a policy, always consider a policy that best suits your life stage and understand the scope of cover provided under the policy. One of the most common mistakes people make is not reviewing their policy throughout their lives. Our needs change over time, and our life insurance coverage should reflect that.

Adding a child to the family, for example, will change the monthly need for income as well as long-term plans, such as the child’s education plan. It is important for adults to review their life insurance coverage every few years to ensure that they have adequate coverage.

No amount of money can ever replace a person. But more than anything, life insurance can help provide protection for the uncertainties in life.

Getting life insurance can be one of the most important decisions in your life. But there is more to it than just what your agent tells you.


Malaysia Life Insurance, Malaysia Medical and Health Insurance, Malaysia Life Protection Insurance
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Any enquiry, please call +603-92863323 or email to enquiry@acpgconsultant.com or visit www.acpgconsultant.com.
 
Malaysia Insurance Services arranged by ACPG Management Sdn Bhd
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Why Malaysia Life Insurance
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Malaysia Travel Insurance, Oversea Travelling Insurance, Student Oversea Study Insurance
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Contractor All Risk Insurance (CAR),

Erection All Risk Insurance (EAR)

Public Liability Insurance (PL)

Workmens Compensation Insurance (WC)

Foreign Workers Compensation Scheme Insurance

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Construction Insurance

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Construction Insurances Explained - Malaysia Contractors' All Risks (CAR) Insurance and Malaysia Erection All Risk Insurance (EAR)

 

What is 'Contractors' All Risks (CAR) Insurance and Erection All Risk Insurance (EAR) ?

Contractors' All Risks (CAR),Erection All Risk Insurance (EAR) insurance is an insurance policy that provides coverage for both damage to a property and third-party injury or damage claims. Contractors' all risk (CAR) ,Erection All Risk Insurance (EAR) insurance policies are considered non-standard insurance policies.

Construction projects typically involve two primary types of risk: damage to the property, and third-party claims of injury or damage.

 

Damage to the property could include the structure not being properly constructed, or receiving damage during a renovation. Third-parties, including subcontractors, may become injured while working at the construction site.

 

Contractors' all risk (CAR) insurance, Erection All Risk Insurance (EAR) bridges these two risks into a common policy, and helps cover the gap between exclusions that would otherwise exist when using separate policies.

BREAKING DOWN 'Contractors' All Risks (CAR) Insurance, Erection All Risk Insurance (EAR)

 

CAR and EAR insurance is typically taken out jointly by both the contractor and the employer, with other parties such as financing companies having the option of being named to the policy. Because multiple parties are included in the policy they each retain the right to file a claim against the insurer, although all parties also have the duty of informing the insurer of any injuries and damages that may result in a claim.

 

The goal of using a CAR & EAR insurance policy is to ensure that all parties are covered on a project, regardless of the type of damage to the property or who caused the damage. Insurers who underwrite this type of policy lose the right to subrogation, meaning that if it pays out funds to one party in the contract then it cannot seek to recover those funds from another party in the contract.

 

For example, if the owner of a large building and the contractor working on the building are on the same CAR & EAR policy, any costs of damage to the building caused by the contractor can be recovered by the building owner when a claim is filed. The insurer, however, cannot seek to recover funds from the contractor.

 

Risks often covered under a CAR & EAR policy include fire, flood, wind, earthquakes, water damage and mold, construction faults, and negligence. They typically do not cover normal wear and tear, willful negligence, or poor workmanship.

 

Malaysia Contractors' All Risks (CAR) Insurance, Malaysia Erection All Risk Insurance (EAR) Definition

Construction Insurances Explained – Contractors’ All Risks Insurance, Erection All Risk Insurance (EAR)

Contractors’ All Risks Insurance (CAR), Erection All Risk Insurance (EAR)

 

There are several terms used in the insurance world that mean different things to different people and one of these is Contractors’ all risks (CAR) insurance and Erection All Risk Insurance (EAR).

The term is sometimes used to refer to both the material damage and liability covers required by a Contractor.

 

Most insurance practitioners would regard CAR and EAR as referring only to the material damage cover on the contract works unless the real intention was obvious from the rest of the text.

Anyone using the term, whether verbally or in writing, should make their intention clear, so as to avoid any ambiguity in interpretation.

 

CAR and EAR covers what is stated within the actual insurance policy for which the premium is paid. The Employer has the opportunity to specify his requirements as to what is to be included within the CAR and EAR within the contract if the Contractor is responsible for the provision of such insurance alternatively the Employer specifies the cover within the policy he takes out where the Contractor is not obligated to provide insurance under the Contract.

 

A CAR & EAR policy provides insurance coverage when the Works being constructed, as defined in the Contract, are damaged by an insured peril and require replacing and/or repairing. It is normal for the Contract to stipulate who will provide this cover.

 

If it were the Contractor then it would be normal for them to take out a specific policy to cover the project or alternatively if available to them add it to a policy covering all their contracts up to a specific limit. In the event the responsibility should fall upon the Employer then cover would normally be under a policy arranged specifically for that project.

 

When arranging the CAR and EAR coverage for a project it is essential that care be taken in identifying the correct Contract Value, Construction Period, Defects Liability Period and Description of the Works.

 

The policy will normally cover any physical loss or damage unless the cause is specifically excluded, thus the term ‘All-Risks’ whilst commonly used, is to some extent, misleading. Nevertheless the cover is very wide and embraces protection against fire, aircraft, explosion, earthquake, riot, malicious damage, storm, flood, burst pipes, impact and other accidental damage.

 

However, CAR and EAR policies can be issued covering loss or damage by particular and specified perils, e.g. fire, flood, storm. In both cases the policy should generally be extended to provide protection in respect of damage by terrorists where such is commercially available.

 

In addition material damage to the Works or the machinery being erected CAR and EAR generally includes coverage for third-party liability for bodily injury and property damage to the surrounding properties.

 

The policy can in some circumstances be extended to include consequential losses or losses due to delay in start-up following loss or damage under material damage section.

 

This cover is also called advanced loss of profit.

Either way it is imperative that the parties fully understand what exclusions apply or which perils are listed to ensure that the cover gives sufficient protection to the Employer and the Contractor.

 

The Sum to be insured under CAR and EAR should be adequately calculated and must include at least the Contract Value, value of Contractors’ plant and machinery, value of Employers existing property, estimated cost of debris removal, value of all temporary facilities, tax and an allowance for inflation.

 

In addition it is wise to make sure that on site as well as offsite storage facilities are included under the policy together with the value of any free issue materials where the Employer transfers the risk to the Contractor under the Contract.

 

The policy should always be in the joint names of the Employer and Contractor although the Contract may stipulate that the Bank or Financing institutions are also named in the policy, depending upon their specific requirements for providing project financing.

 

Joint names insurance is where two or more parties (for example the Employer and the Contractor) are jointly insured under a single policy.

 

Each party has legal rights under the policy and can claim against the insurer, but the insurer has no right of subrogation against the other insured party.

 

It is important to remember that each party is bound by the normal rules, and to avoid any difficulties each should individually comply with the duties of disclosure and notification.

 

Having an interest noted on a policy is very different and is rarely an acceptable substitute for a joint names policy.

A third-party is not a party to the contract of insurance, and thus cannot claim against the insurer. Similarly, it does not prevent the insurer from exercising rights of subrogation against the third-party.

 

PAM, IEM, FIDIC and generally most standard forms of contract contain fairly detailed provisions for property and liability insurance. Generic amendments to these insurance provisions are not normally essential, however, discreet changes may be required depending on the nature of a specific project (for example, amending the definition of joint names insurance policy to include the project funders, or to reconcile the standard provisions with a project insurance policy taken out by the Employer).

 

All CAR adn EAR policies will have an excess that will be deducted from any claim settlement. On occasions insurers will apply more than one excess under a policy for specific losses where a certain risk warrants such and additional excess being imposed.

 

In addition generally most policies include exclusions for which extensions of CAR and EAR coverage maybe granted or included within the CAR and EAE coverage of the CAR and EAR policy may be extended to cover such as:

(A) professional fees;

(B) automatic reinstatement of the policy limit following a loss;

(C) debris removal;

(D) free issue materials;

(E) discovery of munitions of war;

(F) inflation clause;

(G) plans and documents;

(H) others.

 

Individual insurance providers specialising in this class of insurance will also have their own list of extensions that they will negotiate with insurers. As an example you may refer to the example provided which is so provided as an example and these will vary depending upon the general insurance market at the time the CAR and EAR insurance is taken out by the insuring party.

 

In addition the parties need to consider if the CAR and EAR policy is to cover the respective party’s to the Contract for:

Additional cost of construction of un-built works in the event of

(A) Inflationary Costs

(B) Out of sequence working

(C) Defective design, materials and workmanship

(D) Extended defective condition exclusion

(E) Limited defective condition exclusion

(F) Design improvement exclusion

 

It is understood that various legal challenges are currently on-going as to the validity of these clauses and therefore whilst the description of coverage above may not reflect the current or future legal interpretation. As with all contractual documentation it is recommended that all parties seek professional advice in respect of these risks.

It should be noted here that if the Contractor arranges CAR and EAR cover it may restrict or even remove the ability of the Employer to purchase any consequential loss coverage.

Construction Insurances Explained – Public Liability Insurance

 

Malaysia Public Liability Insurance

 

Public Liability Insurance

Typical public liability insurance will provide indemnity in respect of liability at law for damages arising from accidental injury to third parties (not employees) or accidental damage to third-party property arising in connection with the project. It may also cover liability for damages arising out of any nuisance or trespass committed by the insured and any rights (such as a right of way) with which the insured may accidentally interfere in the course of the development. Other elements of cover normally provided include defence of claims costs, the use of plant on the site and legal defence costs in respect of prosecutions brought under the Health and Safety legislation.

 

Many insurance providers now exclude claims arising from sources they regard as particularly hazardous, such as terrorism, asbestos, gradual pollution, mould, e-commerce transactions and, potentially, financial loss where there has been no ‘injury or damage’ as defined in the policy. Insurers may restrict their liability for particular risks by imposing inner limits much smaller than the overall policy limit.

 

Public liability insurance coverage may be arranged on an annual basis with a specific limit being the maximum amount payable in the event of any one claim or series of claims arising from one occurrence. It is normal for this limit to apply in respect of any one claim but some limits do apply to all claims in the period of insurance.

 

There may be a limit on any one claim and then a separate aggregate limit. Sometimes there are elements of cover that insurers may be particularly concerned about, e.g. sudden and accidental pollution may be subject to lower limits of liability and/or separate aggregates.

 

Whatever type is issued, it is the insured party or parties that decide on the level of cover to be purchased dependent upon the risk exposure arising from the work being undertaken. When deciding upon the limits to be purchased it is best not to rely on any figure requested within a contract document, as this is normally the minimum amount required.

 

The policy will normally be subject to an excess that will be deducted from the total amount claimed and may apply only in respect of claims for property damage or in respect of all claims.

 

Every party on site with a potential liability to the public will require an insurance policy. Additional responsibilities for each party will also be set out in the contract. It is traditional and still common for the Contractor to arrange a cover on behalf of the Employer.

 

However, it has to be asked if this is in the best interests of everyone, whether the Employer who may find he has only nominal cover or a claimant who may find they are passed from one insurer to another if there are different policies in different names. One option is to effect a project policy arranged by the Employer.

 

The parties protected by the policy will vary according to the Employer’s requirements and the nature of the contract forms being adopted. The indemnity can apply to the Employer only or together with the Contractor, his subcontractors and tradesmen. In addition there may be freeholders, superior landlords, financiers plus professional consultants and suppliers (on site exposures only) to be added to the list of insured. The policy should set out the names of all insured and specify in which policy covers they have an insurable interest.

 

Public liability insurance is not a cheap insurance and if one party does arrange cover in two or more names the cost of this and the potential savings to the other names should to be reflected in tender prices.

 

It is important for the Employer to decide responsibilities for placing public liability insurance before contracts are signed, rather than just follow the provisions of the basic contract conditions.

Whoever is making the decision as to who must arrange the cover must consider all those who may need to be protected.

 

Malaysia Workmens Compensation Insurance

Workmen Compensation Insurance

Innovative and cost-effective solutions for your business

No matter what type of business your company is involved in or how much care your employees take in the workplace, accidents can still happen.

 

ACPG Insurers is a leading provider of financial protection against liability for workplace injuries.

Our international experience enables us to provide innovative and cost-effective solutions to our clients. Benefits for our clients include:

fully integrated approach to claims management ability to remain nimble and flexible to the emerging needs of customers online solutions that provide you with the tools to act faster

self-insurance services.

 

ACPG Insurers Workmen’s Compensation Insurance provides cover against all sums for which the Insured shall be liable to pay in compensation to any employee for personal injury sustained either by accident or disease arising out of and in the course of their employment under Common Law. Or under the following legislation (including all subsequent amendments to these enactments and ordinances):

 

LAWS

Workmen's Compensation Ordinance 1952

Workmen's Compensation (Amendment) Ordinance 1956

Workmen's Compensation (Amendment) Ordinance 1976

Modification of Laws (Workmen's Compensation) Extension and Modification Ordinance 1981

 

Employers’ Liability

The Employers’ Liability Insurance policy provides cover for an employer against liability for the damages and claimant’s costs and expenses in respect of bodily injury or disease sustained by any person under a contract of service or apprenticeship.

 

Foreign Workers Compensation Scheme Insurance

The benefit of this cover is that it insures death and bodily injury as a result of work place accident or occupational disease arising out of and in the course of employment, inclusive of journey to and from work such as:

Death

Permanent disablement

Permanent total disablement

Permanent partial disablement

Temporary total disablement

Medical expenses

Repatriation expenses

Personal accident

 

Malaysia Construction & Engineering Insurance

Essential cover against sudden or unforeseen losses

Engineering and construction projects often involve huge capital investments and therefore required specialised risk mitigation.

 

ACPG Insurers Construction & Engineering Insurance will help protect your investments against loss or damage to your engineering or construction projects. We have the specialist expertise to provide comprehensive financial protection against many areas of risks, including work in progress or material damage of your project and also liability from third-party claims resulting from engineering and construction works.

Our flexible approach allows policies to be tailored to your specific needs. Our competitive terms appeal to customers of all sizes, from owner builders to principals of major civil engineering projects.

 

ACPG Insurers provides cover for:

Contractors’ All Risks

Civil Engineering Completed Risks

Erection All Risks

Boiler and pressure vessel

Electronic equipment

Machinery breakdown

Machinery breakdown loss of profit

Storage tank

Special perils

 

Contractor All Risk Insurance in Malaysia (CAR)

AIG Malaysia Contractor All Risk Insurance

Allianz Malaysia Contractor All Risk Insurance

Ace Jerneh Malaysia Contractor All Risk Insurance

AXA Malaysia Contractor All Risk Insurance

AMGeneral Malaysia Contractor All Risk Insurance

Berjaya Sampo Malaysia Contractor All Risk Insurance

CHUBB Malaysia Contractor All Risk Insurance

Danajamin Malaysia Contractor All Risk Insurance

Etiqa Malaysia Contractor All Risk Insurance

Kurnia Malaysia Contractor All Risk Insurance

Liberty Malaysia Contractor All Risk Insurance

Lonpac Malaysia Contractor All Risk Insurance

MSIG Malaysia Contractor All Risk Insurance

MPI Malaysia Contractor All Risk Insurance

P&O Malaysia Contractor All Risk Insurance

OAC Malaysia Contractor All Risk Insurance

RHB Malaysia Contractor All Risk Insurance

QBE Malaysia Contractor All Risk Insurance

Takaful Malaysia Contractor All Risk Insurance

Tokio Marine Malaysia Contractor All Risk Insurance

The Pacific Malaysia Contractor All Risk Insurance

Tune Malaysia Contractor All Risk Insurance

Zurich Malaysia Contractor All Risk Insurance

 

Erection All Risk Insurance in Malaysia (EAR)

AIG Malaysia Erection All Risk Insurance

Allianz Malaysia Erection All Risk Insurance

Ace Jerneh Malaysia Erection All Risk Insurance

AXA Malaysia Erection All Risk Insurance

AMGeneral Malaysia Erection All Risk Insurance

Berjaya Sampo Malaysia Erection All Risk Insurance

CHUBB Malaysia Erection All Risk Insurance

Danajamin Malaysia Erection All Risk Insurance

Etiqa Malaysia Erection All Risk Insurance

Kurnia Malaysia Erection All Risk Insurance

Liberty Malaysia Erection All Risk Insurance

Lonpac Malaysia Erection All Risk Insurance

MSIG Malaysia Erection All Risk Insurance

MPI Malaysia Erection All Risk Insurance

P&O Malaysia Erection All Risk Insurance

OAC Malaysia Erection All Risk Insurance

RHB Malaysia Erection All Risk Insurance

QBE Malaysia Erection All Risk Insurance

Takaful Malaysia Erection All Risk Insurance

Tokio Marine Malaysia Erection All Risk Insurance

The Pacific Malaysia Erection All Risk Insurance

Tune Malaysia Erection All Risk Insurance

Zurich Malaysia Erection All Risk Insurance

 

Public Liability Insurance in Malaysia (PL)

AIG Malaysia Public liability Insurance

Allianz Malaysia Public liability Insurance

Ace Jerneh Malaysia Public liability Insurance

AXA Malaysia Public liability Insurance

AMGeneral Malaysia Public liability Insurance

Berjaya Sampo Malaysia Public liability Insurance

CHUBB Malaysia Public liability Insurance

Danajamin Malaysia Public liability Insurance

Etiqa Malaysia Public liability Insurance

Kurnia Malaysia Public liability Insurance

Liberty Malaysia Public liability Insurance

Lonpac Malaysia Public liability Insurance

MSIG Malaysia Public liability Insurance

MPI Malaysia Public liability Insurance

P&O Malaysia Public liability Insurance

OAC Malaysia Public liability Insurance

RHB Malaysia Public liability Insurance

QBE Malaysia Public liability Insurance

Takaful Malaysia Public liability Insurance

Tokio Marine Malaysia Public liability Insurance

The Pacific Malaysia Public liability Insurance

Tune Malaysia Public liability Insurance

Zurich Malaysia Public liability Insurance

 

Workmens Compensation Insurance in Malaysia (WC)

AIG Malaysia Workmens Compensation Insurance

Allianz Malaysia Workmens Compensation Insurance

Ace Jerneh Malaysia Workmens Compensation Insurance

AXA Malaysia Workmens Compensation Insurance

AMGeneral Malaysia Workmens Compensation Insurance

Berjaya Sampo Malaysia Workmens Compensation Insurance

CHUBB Malaysia Workmens Compensation Insurance

Danajamin Malaysia Workmens Compensation Insurance

Etiqa Malaysia Workmens Compensation Insurance

Kurnia Malaysia Workmens Compensation Insurance

Liberty Malaysia Workmens Compensation Insurance

Lonpac Malaysia Workmens Compensation Insurance

MSIG Malaysia Workmens Compensation Insurance

MPI Malaysia Workmens Compensation Insurance

P&O Malaysia Workmens Compensation Insurance

OAC Malaysia Workmens Compensation Insurance

RHB Malaysia Workmens Compensation Insurance

QBE Malaysia Workmens Compensation Insurance

Takaful Malaysia Workmens Compensation Insurance

Tokio Marine Malaysia Workmens Compensation Insurance

The Pacific Malaysia Workmens Compensation Insurance

Tune Malaysia Workmens Compensation Insurance

Zurich Malaysia Workmens Compensation Insurance

 

Construction & Engineering Insurance in Malaysia

AIG Malaysia Construction & Engineering Insurance

Allianz Malaysia Construction & Engineering Insurance

Ace Jerneh Malaysia Construction & Engineering Insurance

AXA Malaysia Construction & Engineering Insurance

AMGeneral Malaysia Construction & Engineering Insurance

Berjaya Sampo Malaysia Construction & Engineering Insurance

CHUBB Malaysia Construction & Engineering Insurance

Danajamin Malaysia Construction & Engineering Insurance

Etiqa Malaysia Construction & Engineering Insurance

Kurnia Malaysia Construction & Engineering Insurance

Liberty Malaysia Construction & Engineering Insurance

Lonpac Malaysia Construction & Engineering Insurance

MSIG Malaysia Construction & Engineering Insurance

MPI Malaysia Construction & Engineering Insurance

P&O Malaysia Construction & Engineering Insurance

OAC Malaysia Construction & Engineering Insurance

RHB Malaysia Construction & Engineering Insurance

QBE Malaysia Construction & Engineering Insurance

Takaful Malaysia Construction & Engineering Insurance

Tokio Marine Malaysia Construction & Engineering Insurance

The Pacific Malaysia Construction & Engineering Insurance

Tune Malaysia Construction & Engineering Insurance

Zurich Malaysia Construction & Engineering Insurance

 

Construction Insurance in Malaysia

AIG Malaysia Construction Insurance

Allianz Malaysia Construction Insurance

Ace Jerneh Malaysia Construction Insurance

AXA Malaysia Construction Insurance

AMGeneral Malaysia Construction Insurance

Berjaya Sampo Malaysia Construction Insurance

CHUBB Malaysia Construction Insurance

Danajamin Malaysia Construction Insurance

Etiqa Malaysia Construction Insurance

Kurnia Malaysia Construction Insurance

Liberty Malaysia Construction Insurance

Lonpac Malaysia Construction Insurance

MSIG Malaysia Construction Insurance

MPI Malaysia Construction Insurance

P&O Malaysia Construction Insurance

OAC Malaysia Construction Insurance

RHB Malaysia Construction Insurance

QBE Malaysia Construction Insurance

Takaful Malaysia Construction Insurance

Tokio Marine Malaysia Construction Insurance

The Pacific Malaysia Construction Insurance

Tune Malaysia Construction Insurance

Zurich Malaysia Construction Insurance

 

Foreign Worker Insurance in Malaysia

AIG Malaysia Foreign worker Insurance

Allianz Malaysia Foreign worker Insurance

Ace Jerneh Malaysia Foreign worker Insurance

AXA Malaysia Foreign worker Insurance

AMGeneral Malaysia Foreign worker Insurance

Berjaya Sampo Malaysia Foreign worker Insurance

CHUBB Malaysia Foreign worker Insurance

Danajamin Malaysia Foreign worker Insurance

Etiqa Malaysia Foreign worker Insurance

Kurnia Malaysia Foreign worker Insurance

Liberty Malaysia Foreign worker Insurance

Lonpac Malaysia Foreign worker Insurance

MSIG Malaysia Foreign worker Insurance

MPI Malaysia Foreign worker Insurance

P&O Malaysia Foreign worker Insurance

OAC Malaysia Foreign worker Insurance

RHB Malaysia Foreign worker Insurance

QBE Malaysia Foreign worker Insurance

Takaful Malaysia Foreign worker Insurance

Tokio Marine Malaysia Foreign worker Insurance

The Pacific Malaysia Foreign worker Insurance

Tune Malaysia Foreign worker Insurance

Zurich Malaysia Foreign worker Insurance

 

Malaysia General Insurance Company Listing

AIG Malaysia Insurance Berhad

AXA Affin General Insurance Berhad

Allianz General Insurance Company (Malaysia) Berhad

AmGeneral Insurance Berhad

Berjaya Sompo Insurance Berhad

Chubb Insurance Malaysia Berhad

Danajamin Nasional Berhad

Liberty Insurance Berhad

Lonpac Insurance Berhad

MPI Generali Insurans Berhad

MSIG Insurance (Malaysia) Bhd

Overseas Assurance Corporation (Malaysia) Berhad

Pacific & Orient Insurance Co. Berhad

Pacific Insurance Berhad, The

Progressive Insurance Berhad

QBE Insurance (Malaysia) Berhad

RHB Insurance Berhad

Tokio Marine Insurans (Malaysia) Berhad

Tune Insurance Malaysia Berhad

 

Malaysia Insurance Corporate Agency

ACPG Management Sdn Bhd (Insurance Biz since Year 1989)

Head Office

158-3-7, Blok 158, Kompleks Maluri,

Jalan Jejaka, Taman Maluri, Cheras,

55100 Kuala Lumpur, Malaysia.

http://www.acpgconsultant.com

+603-92863323, +6011-12239838





What We Can Do !

One of the reasons we at ACPG Management Sdn Bhd, are one of the top Property and Casualty Insurance Agency in the market, is due to the quality and variety of insurance solution and consultancy services we provide. Be it automotive insurance, fire insurance,contingency insurance,cyber edge insurance,product contamination insurance,product extortion insurance,health insurance, consequential loss insurance, insurance of precious possessions or what have you, you can rest assured that we provide nothing less than what are stated below, which makes us an insurance agency that is truly "Almost with No Comparison”, and we do not make such claims lightly.

With 27 years ( since year 1989) in the insurance market we can

 

  • Give Our Expert Opinion On Your Risks
  • How To Handle The Risks
  • Provide The Best Insurance Solutions
  • Provide Competitive Premiums
  • Handle Insurance Claims With Comprehensive Homework
  • Work Closely With Insurance Adjusters
  • Able To Provide Good And Fair Claim Settlement

Who Are We?

ACPG Management Sdn Bhd is one of the top Property and Casualty Insurance Agency in the market; we provide a variety of professional insurance solutions and insurance claim consultancy services "Almost with No Comparison”. Whatever your insurance solution or consultancy needs, be it the more familiar auto insurance, fire insurance and health insurance, to the more unusual hole-in-one insurance, consequential loss insurance, and insurance of precious possessions, we are ready to hear you out and provide you with nothing short of the best you can find. Furthermore, we are ready to tailor special type of insurance plans and services, to accommodate your special needs.


Your Choice

We at ACPG Management Sdn Bhd can confidently claim, and be acknowledged by our many clients throughout more than 30 years in the business, to be one of the top Property and Casualty Insurance Agency "Almost with No Comparison”, as we embody all of the values stated below. If those values in an insurance company are what you seek to deal with insurance problems and provide top-notched insurance solutions, you have come to the right place, and you can stop looking elsewhere.


Professional Insurance Solutions

We are ACPG Management Sdn Bhd, one of the top Property and Casualty Insurance Agency in the market, providing a variety of professional insurance solutions and insurance claim consultancy services, which include but not limited to, professional indemnity insurance, cyber edge insurance, health insurance plans, as well as any special types of insurance.


We strive to live up to our motto – "Almost with No Comparison”, providing you with insurance solutions and services hardly found elsewhere, as we believe that each and every one of our clients deserve nothing less than that, and we did not get to stay in business for more than 30 years providing anything less than that.



Advice

There is no straight jacket answers to insurance problems. Each problem is unique and different from another. Sometimes, very very different.

Our Insurance Solutions

  • Dig into the source of the problem
  • Sitting down together with you to come out with possible answers and getting the best solutions
  • Lead you by the hand in getting the best insurance
  • Study into present insurance policies and arrangement and produce a Report on our proposed insurance solutions
  • We compare light with light so you know where you are and where you can be in the proposed insurance programme


Social Security Protection (Socso)

Provider By

SOCIAL SECURITY ORGANISATION (Perkeso)

Shared By

Malaysia Medical Insurance Organization (MMI)

+603-92863323

EMPLOYMENT INJURY SCHEME BENEFITS

(Updated 25 October 2016)

1) MEDICAL BENEFIT [ + ]

Employees suffering from employment injuries or occupational diseases may receive free medical treatment at SOCSO’s panel clinic or Government clinic / hospital. Treatment must be continued until they are fully recovered.

2) TEMPORARY DISABLEMENT BENEFIT [ + ]

Temporary Disablement Benefit is paid for the period the employee is on medical leave certified by a doctor for not less than four (4) days including the day of accident. However, Temporary Disablement Benefit will NOT be paid for the days for which the employee works and earns wages during this period.

3) PERMANENT DISABLEMENT BENEFIT [ + ]

Permanent Disablement is defined as a permanent disability due employment injury that reduces employees’ ability to perform his duites. The employee can claim this benefit after the last day of temporary disablement.

4) CONSTANCE-ATTENDANCE ALLOWANCE [ + ]

This allowance is paid to an employee who is suffering from total permanent disablement and is so severely incapacitated as to constanly require the personal attendance of another person.

5) FACILITIES FOR PHYSICAL OR VOCATIONAL REHABILITATION [ + ]

Rehabilitation facilities may be provided free of charge by the Organisation to an employee who suffers permanent disablement

6) RETURN TO WORK PROGRAMME [ + ]

SOCSO’s Return to Work (RTW) program was introduced on the 15th of January 2007 for Insured Person suffering from employment injury or claiming to be invalid. The Return to Work program involves a proactive approach taken in helping Insured Person with injuries or diseases, opportunities to safe and productive work activities as soon as it is medically possible or when maximum medical improvement is achieved with a primary focus of minimizing the impact of injuries or disabilities.

7) DEPENDANTS' BENEFIT [ + ]

If an employee dies as a result of employment injury, his dependants are eligible to this benefit.

8) FUNERAL BENEFIT [ + ]

Funeral Benefit will be paid to the eligible person as prescribed in the Act, if the employee dies due to any cause. In the absence of such person, the benefit will be paid to the person who actually incurs the expenditure.

9) EDUCATION BENEFIT [ + ]

Education Benefit is a SOCSO benefit that can come in the form of education benefits or scholarships to dependent beneficiaries based on PERKESO’s Benefits Schedule and meets the SOCSO's requirement.

MEDICAL BENEFIT

Employees suffering from employment injuries or occupational diseases may receive free medical treatment at SOCSO’s panel clinic or Government clinic / hospital. Treatment must be continued until they are fully recovered.

For serious injuries, medical care may be obtained from the Government hospital and the employee is eligible for second class ward treatment. Specialist treatment will be provided, if required.

Medical treatment at SOCSO Panel Clinics

To receive free medical treatment, employers must submit the following documents to any SOCSO panel clinics during the first treatment:

Borang Butiran Notis dan Tuntutan Faedah - Form 34

Letter of identity from employer

Letter of identity is prepared by the employer in the instances when Form 34 cannot be completed in time for the employee to receive their first treatment at the SOCSO panel clinics, due to serious or critical injuries. Letter of identity should state:

The patient is an insured person under the employment of the employer

The employee had an accident during the course of work

Form 34 will be presented as soon as possible to the panel clinic.

Reimbursement of Medical Claims

In the case of medical treatments received from non SOCSO’s panel clinics, employees or employers are eligible to make reimbursement of medical claims, subject to such condition as maybe determined by the Organisation.

Claims need to be supported with the following documents:

Claim for medical treatments (Form PKS (P) 24)

Claim for general expenses (Form PKS (P) 26)

Original receipts

A copy of the Appointment Card

A copy of the medical report (if needed)

TEMPORARY DISABLEMENT BENEFIT

Period Of Temporary Disablement

Temporary Disablement Benefit is paid for the period the employee is on medical leave certified by a doctor for not less than four (4) days including the day of accident. However, Temporary Disablement Benefit will NOT be paid for the days in which the employee works and earns wages during this period.

Eligibility

Employee must be an insured person under the Act

Accident that occurs to an employee must arise out of and in the course of employment

A Police report is required if an accident occurs to an employee while commuting for employment purposes

Benefits shall be paid based on the days of medical leave that is certified by a doctor. However temporary disablement benefit will NOT be paid for the days in which the employee work and earn wages during this period.

Rate Of Temporary Disablement Benefit

Payment rate is equivalent to 80% of the assumed average daily wage of the insured person

i. The assumed average daily wage is calculated as one-thirtieth (1/30) of the assumed average monthly wages for the insured person

ii. The assumed average monthly wages is equivalent to the sum of the assumed monthly wages for each of the months for which contributions of the first or second category have been paid or were payable during the continuous period of 6 months immediately preceeding the month in which the employment injury occurred, divided by the number of months for which such contributions were so paid or payable

The daily rate is subject to the following:

i. Minimum of RM30.00 per day (w.e.f. 1 January 2014)

ii. Maximum of RM105.33 per day

Documents To Be Submitted For Claims

'Borang Butiran Notis dan Tuntutan Faedah' - Form 34

Photocopy Of Identity Card (both sides)

Original Medical Certificate / Form 13 (Panel Clinic)

Photocopy Of Punch Card / Attendance Record / Employer’s verification letter in the absence of punch card

Letter Of Consent for obtaining medical report from Hospital.

PERMANENT DISABLEMENT BENEFIT

Permanent Disablement is defined as a permanent disability due to employment injury that reduces employee's ability to perform his duty. The employee can claim this benefit after the last day of temporary disablement.

Determining the Question of Permanent Disablement

Assesment regarding permanent disability of an insured person can only be decided by the following authorities:-

Medical Board

Specialist Medical Board (for Occupational Disease)

Medical Appeal Board (if an Insured Person or SOCSO is not satisfied with the diagnosis made by the medical board

Application to refer to Medical Board

References to the medical board can be made by the following persons:-

Insured Person who have completed their medical leave and is permanently disabled

Employer

Registered Trade Union representative

SOCSO is also allowed to refer insured person to the Medical Board if the medical leave is more than 180 days.

The time limit for any application to refer to the Medical Board is twelve months from the date of:

a. Last date of temporary disability

b. Employment injury if it does not involve any loss of disablement

c. Decision made by the Social Security Appellate Board to accept and allow the temporary disablement claims made subsequent to SOCSO rejecting such claims

References To Appellate Medical Board

Appeals to the Medical Appellate Board must be made within 90 days from the date of assessment by the Medical Board to the insured person.

Assessment And Payment

Claims will be referred to the Medical Board for permanent disability assessment.

1) If the assessment does not exceed 20%

Payment can be made in the form of lump sum.

2) If the assessment exceeds 20%

the employee is given an option to commute 1/5 of daily rate of the benefit into a lump sum payment while the balance will be paid monthly for life.

However, the option of lump sum payment is subjected to the aggregate loss of earning capacity as a replacement to any lump sum payment not exceeding 20%, if claims were previously made by the insured person

Rate Of Payment

1) Daily rate for Permanent Disablement Benefit is based on 90% of assumed average daily wage of the insured person

The assumed average daily wage is calculated as one-thirtieth (1/30) of the assumedaverage monthly wages for the insured person

The assumed average monthly wage is equivalent to the sum of the assumed monthly wages for each of the months for which contributions of the first or second category have been paid or were payable during the continuous period of 6 months immediately preceeding the month in which the employment injury occurred, divided by the number of months for which such contributions were so paid or payable

2) Daily rate of Permanent Disablement Benefit is subject to:

Minimum of RM30.00 per day (w.e.f. 1January 2014)

Maximum RM118.50 per day

How To Claim

Application for permanent disablement benefit must be made in writing through SOCSO office with the following document:

Application letter

Photocopy Of Identification Card

Latest Medical Report

CONSTANT-ATTENDANCE ALLOWANCE

This allowance is paid to an employee who is suffering from total permanent disablement and is so severely incapacitated as to constanly require the personal attendance of another person.

Eligibility

An insured person who is 100% permanently disabled and certified by Medical Board or Special Medical Board or the Appellate Medical Board is eligible for this allowance.

Rate Of Payment

The allowance is equivalent to 40% of the rate of permanent total disablement benefit subject to maximum of RM500 per month (Effective on 1st January 2013, the rate of this allowance is fixed at RM500 per month).

FACILITIES FOR PHYSICAL OR VOCATIONAL REHABILITATION

Rehabilitation facilities may be provided free of charge by the Organisation to an employee who suffers permanent disablement. Amongst the facilities provided are :

1. Physical rehabilitation includes:

Return To Work programme

Occupational therapy

Reconstructive surgery

Artificial limbs and prosthetics

Orthopaedic aids such as wheel chairs, walking stick, hearing aids

Return To Work Programme

Physiotherapy

2. Vocational rehabilitation includes:

Training in selected areas such as electrical wiring, sewing, radio / TV repair, air conditioner and fridge repair, plumbing, stenography , secretarial skills and others.

Return To Work programme

RETURN TO WORK PROGRAMME (RTW)

INTRODUCTION

SOCSO’s Return to Work (RTW) program was introduced on the 15th of January 2007 for Insured Person suffering from employment injury or claiming to be invalid. The Return to Work program involves a proactive approach taken in helping Insured Person with injuries or diseases, opportunities to safe and productive work activities as soon as it is medically possible or when maximum medical improvement is achieved with a primary focus of minimizing the impact of injuries or disabilities.

Return to Work program is a collaborative process that facilitates recommended efficient treatment plans to assure that appropriate medical care is provided to Insured Person with injuries or diseases to ensure an early and safe return to work. The program requires careful planning and coordination with appropriate health care service providers to achieve the rehabilitation goal where the processes involved are facilitated by a case manager who manages the implementation and coordination of the rehabilitation plan with healthcare providers, as well as the clients while promoting cost-effective care.

The implementation of an effective disability management system relies on the partnership involving various stakeholders such as the employers, employees, health care providers, rehabilitation service providers, government agencies, non-government organizations, and various bodies to achieve an effective.

RETURN TO WORK OBJECTIVE

To assist Insured Person with injuries or disease to return to work in a safe and fast manner

To carry out SOCSO’s social responsibility towards employers and employees

To create a positive working environment through communication and support for employees with disabilities

To reduce and minimize the potential of repetitive accidents at the workplace

To reduce disability duration

To increase the productivity of employees with disabilities through total replacement of income

BENEFITS TO EMPLOYER

To reduce the disability duration of Insured Person with injuries or diseases and enable a safe and fast return to work and increasing productivity thereafter

To be able to retain experienced and highly skilled workers at the work place

To reduce training and hiring costs of temporary workers

To optimize the employees’ rehabilitation period so they can return to work faster and increase their productivity

To provide work modification recommendations to accommodate employees with injuries or diseases

BENEFITS TO EMPLOYEES

To provide psychological support through counselling and consultation• To restore employee’s self-confidence by enhancing their physical and mental ability and to prevent low self-esteem caused by the illness or disability

To provide appropriate rehabilitative equipment’s including orthotic, prosthetic, implants and so forth, based on the prescription given by the treating doctors or specialists

Promotes speedy recovery and reduces the impact on the quality of life due to the disability or illness

REFERRAL PROCESS

The first step of the disability management process starts with the referral processes whereby cases will be referred from various sources including SOCSO’s Medical Board / Appealate Board and the Special Appealate Medical Board, doctors and employers following which these cases will be screened by the case managers if the following criterias are met:

Insured Person with employment injury and is receiving temporary disablement benefits

Insured Personwho has applied for permanent disablement benefits and has been referred for the Return to Work

Program by the medical board

Insured Person aged below 50 and has been certified not invalid and has been referred for the Return to Work

Program by the medical board

Insured Person aged below 40 who has been certified invalid but is still interested to return to work

DEPENDANTS' BENEFIT

If an employee dies as a result of employment injury, his dependants are eligible to this benefit.

Eligibility

Employees must be an insured person under the Act

Death that occurs to an employee must arise out of and in the course of employment

Dependants as prescribed under the Act as stated below:-

Widow Or Widower, child;

If there are no widow or widower, child

a. Brothers or sisters

b. Parents

c. Grand Parents (in the case of the insured person's parents are deceased)

Note :

Child in this context refers to a child who is aged less than 21 years of age at the time of death of the insured person (exception for a child who is mentally retarted or physically incapacitated and is incapable of supporting himself), inclusive of:

Biological child

Step child under the care of the Insured Person

Legally adopted child of the Insured Person

Biological child out of wedlock

Brothers or sisters are defined as biological brothers or sisters aged less than 21 years of age at the time of death of the insured person.

Rate Of Payment

Daily rate for Dependants Benefit is based on 90% of assumed average daily wage of the insured person

The assumed average daily wage is calculated as one-thirtieth (1/30) of the assumed average monthly wages for the insured person

The assumed average monthly wage is equivalent to the sum of the assumed monthly wages for each of the months for which contributions of the first or second category have been paid or were payable during the continuous period of 6 months immediately preceeding the month in which the death occurred, divided by the number of months for which such contributions were so paid or payable

Daily rate of Dependants Benefit is subject to :-

a ) Minimum of RM30.00 per day (w.e.f. 1 January 2014)

b ) Maximum of RM118.50 per day (w.e.f 1 June 2016)

Dependants And Daily Rate

The daily rates for dependants’ benefit is based on the following priorities:-

Please refer as below

http://www.perkeso.gov.my/en/dependant-s-benefit.html

Documents To Be Submitted For Claims

Applicants or parties claiming on behalf of the dependant must produce the following documents:

Borang Butiran Notis dan Tuntutan Faedah - Borang 34

Insured Person’s Death Certificate

A copy of the Insured Person’s Identification Card

Others document :

a. In the case of widow, widower or child, applicants or representatives claiming on behalf of the dependant must produce the following documents :

Marriage Registration or Solemnising Certificate (Sijil Nikah)

A copy of the widow or widower’s Identification Card

A copy of the child’s birth certificate for those below the age of 21

A copy of the applicants or parties claiming on behalf of the dependant’s bank account passbook

In the case of parents, sibling or grand parents, applicants or representatives claiming on behalf of the dependant must produce the following documents:

A copy of the Insured Person’s birth certificate

A copy of the parent’s Identification Card

A copy of the sibling’s birth certificate for those below the age of 21

A copy of the applicants or representatives claiming on behalf of the dependant’s bank account passbook

FUNERAL BENEFIT

Funeral Benefit will be paid to the eligible person as prescribed in the Act, if the employee dies as a result of employment injury or while he/she is in receipt of disablement benefit. In the absence of such person, the benefit will be paid to the person who actually incurs the expenditure. The amount paid will be the actual amount incurred or RM1,500 whichever is lower.

Funeral Benefit will be paid out to the following, based on priority:

i. widow (if there are more than one widow, the benefitt will be equally shared amongst the widows)

ii. widower

iii. eldest son

iv. eldest daughter

v. parents ( if both parents are still alive, the benefit will be equally shared )

In the case that there are no one eligible based on the above criteria, the benefit will be extended to the party that incurred the funeral arrangement of the Insured Person. However, the amount will be limited to RM1,500.00 and based on actual cost incurred, and supported with receipts as proof.

Documents To Be Submitted For Claims

Claimant must submit the following documents:

Borang Butiran Notis dan Notis Tuntutan Faedah - Borang 34

A copy of the funeral permit / Death Certificate

A copy of the Insured Person’s Identification Card

A copy of the claimant’s Identification Card

EDUCATION BENEFIT

Education Benefit is a SOCSO benefit that can come in the form of education benefits or scholarships to dependent beneficiaries based on PERKESO’s Benefits Schedule and meets the following requirement to qualify:

A. APPLICANT REQUIREMENTS TO QUALIFY [ + ]

B. EDUCATION BENEFIT FUNDING DETAILS [ + ]

C. HOW TO APPLY EDUCATION LOAN [ + ]

D. EDUCATION LOAN ALLOCATION [ + ]

E. EDUCATION BENEFIT AGREEMENT DOCUMENTS [ + ]

F. LOAN DISBURSEMENT METHODS [ + ]

G. EDUCATION LOAN REPAYMENT INSTALLMENT [ + ]

H. CHANNELS TO PAY THE EDUCATION BENEFIT [ + ]

Service Charge SOCSO Education Loan

Effective 1st January 2013, service charge education loan for all borrowers who received education loan offered before 1st January 2009 has been reduced from 4% to 2%.

Meanwhile, for new borrowers who received education loan offered after 1st January 2009, services charged still remain at 2%.

For more information, please logo on link as below

http://www.perkeso.gov.my/en/social-security-protection/benefits-under-the-schemes/employment-injury-scheme.html

http://www.perkeso.gov.my/

The official Website of

SOCIAL SECURITY ORGANISATION

"Sikap Terbuka Layanan Mesra"

Customer Service : 1-300-22-8000

General Line : 03 - 4264 5000

Fax : 03 - 4256 7798

E-mail : perkeso@perkeso.gov.my

Shared By Malaysia Medical Insurance Organization (MMI)

Ad Sharing

Your Trusted Malaysia Medical Insurance Risk Management Advisory Provider.

Malaysia Medical Insurance Organization (MMI)

Head Office,

158-3-7, BLOK 158, KOMPLEKS MALURI,

JALAN JEJAKA, TAMAN MALURI,CHERAS,

55100 KUALA LUMPUR, MALAYSIA.

MMI careline +603-92863323

mmicare@medicalinsurance.com.my

www.medicalinsurance.com.my

Group Hospitalisation And Surgical Fees & Group Employees Medical Insurance Policy

Arranged by

Malaysia Medical Insurance Organization (MMI)

www.medicalinsurance.com.my

mmicare@medicalinsurance.com.my

+603-92863323

Group Hospitalisation And Surgical Fees & Group Employees Medical Insurance

Group Hospital & Surgical Insurance

- No Co Insurance

- Guarantee Renewal up to Age 100

- High Lifetime Limit up to RM 10,000,000

- 24 Hours Worldwide Coverage

- Hassle Free Cash Less Hospital Admission

- High Coverage As Charged or Full Reimbursement

- Hospital Supplies & Services

- Physician Fees & Specialist Visit Fees

- Surgical Fees / Anaesthetist Fees

- Operating Theatre

- Intensive Care Unit (ICU)

- Pre-Hospital Diagnostic Tests

- Pre-Hospital Specialist Consultation

- Post Hospitalisation Treatment

- Ambulance Fees

- Prescription Drugs

- Out Patient Accidental Treatment & Pysiotheropy Treatment

- Nursing, Theatre Consumables & Other Ancillary Charges

- Insured Child’s Daily Guardian Benefits

- Out Patient Kidney Dialysis Treatment

- Out Patient Cancer Treatment

- Home Nursing Care

- Take Over Policy for Waiver of Waiting Period, Pre-Existing Illness & Specified Illness

- International Emergency Medical Assistance Services

- Comprehensive Coverage & Complete Medical Care Benefits

 

- Inpatient & Day Surgery







How To Renew Allianz Motor Insurance ?

Call +603-92863323 or +6011-12239838 for more information.

 

Allianz Motor Insurance Cheras

Arranged By

ACPG Management Sdn Bhd

www.acpgconsultant.com

 

Allianz General Insurance is one of the most prominent insurance providers in Malaysia and offers its customers a wide variety of insurance products. Some of these insurance offerings include life insurance, car insurance, medical insurance etc. These products offer comprehensive insurance services to customers and are designed to suit their individual insurance requirements. Also, various top-up plans available on these insurance schemes ensure that customers are able to customize their insurance plans as per their individual requirement. Allianz Insurance has over 35 branches in Malaysia and aims to become the most trusted insurance partner of Malaysians.

 

Allianz Car Insurance Features and Benefits

Allianz car insurance schemes come bundled with various striking features and benefits. Some of these are listed below.

 

Protection against loss or damage to your vehicle in he unforeseen event of fire, theft or accident

Protection cover against third party death or physical injury via your vehicle

Loss of third party property is covered under car insurance from Allianz

24-hour emergency towing

Annually renewable car insurance policies which make it easier for customers to renew their car insurance schemes or change it if required

Early cancellation of car insurance policy ensures refund of the premium paid

Additional benefits applicable on payment of additional premium

Listed below are some of the benefits that can be enjoyed by availing higher coverage at a slightly higher cost.

 

Additional coverage available for windscreen damage, passenger liability, Natural calamities like floods, storms etc., events of civil unrest namely riots, strikes and public commotion. All these benefits can be covered by paying a small additional premium. Customers who wish to avail the basic cover can do so by applying for the basic car insurance cover

Enhanced Road Warrior for additional protection against accidental death. Medical expenses involved in treatment of injury due to accident is also included. Bereavement benefit, double indemnity, corrective cosmetic surgery and hospital income are some of the most distinguishing features of this cover

Comprehensive cover for car insurance includes coverage against any damage to vehicle in the event of riots, public demonstrations, strike and civil commotion

Car replacement option in certain cases subject to terms and conditions

Compassionate cover for customers of the Enhanced Road Warrior additional cover

Legal liability of third party up to RM2,000

Stolen or broken car accessories can be covered by availing additional cover

Types of vehicles eligible for cover under the Allianz Car Insurance

Following are the three types of vehicles covered under the Allianz Car Insurance Schemes.

 

Private vehicles – Includes cars, vans and other four wheel drives

Goods/commercial vehicles – Includes commercial goods carrying vehicles, petroleum and diesel tankers and low loaders

Other types of vehicles – Taxis, buses, tractors, motorcycles, mobile cranes etc.

Allianz Car Insurance Schemes

Following are the various car insurance schemes offered by Allianz car insurance.

 

Motor Comprehensive Cover

Motor Third-party Cover

Motor Third-party Fire and Theft Cover

Enhanced Road Warrior

Road Warrior

Allianz Motorcyclist PA

Bike Warrior

 

Factors that affect Allianz car insurance premium calculation

Following are the factors that are taken into account by Allianz car insurance in order to calculate insurance premium for your vehicle.

 

Type of insurance cover

Use of vehicle, commercial or private

Carrying capacity of the vehicle

Age of the car

Sum Assured

No. of authorized drivers registered

Extended coverage feature

 

How to make a car insurance claim or emergency contact for Allianz Car Insurance?

Following are the three ways in which customers can approach Allianz Insurance to make a car insurance claim.

 

Allianz Hotline which guarantees a 24X7 service to customers – 60322641188

Claim Assistance Hotline which is dedicated only to address claim settlement – 1300221188

Roadside Assistance and Emergency Hotline – 1800886278

 

Allianz Car Insurance FAQs

How do I pay the premium for Allianz car insurance policy?

Car insurance premium for Allianz can be paid either via online banking or by visiting any of the Allianz insurance offices.

 

How do I avail the additional benefits being offered by Allianz Car Insurance?

Additional benefits listed above can be availed by paying a little extra premium each month. The exact extra amount depends upon the benefits that you wish to seek.

 

What is the frequency at which Allianz car insurance needs to be renewed?

Allianz car insurance policies need to be renewed every year in order to continue enjoying the benefits and protection of these insurance schemes.

 

Does the age of my car affect the premium payment?

Yes. The age of your car will also play a role in determining the exact insurance premium that you are required to pay.

 

Is legal liability towards passengers a common feature of all Allianz car insurance plans?

No. Cover for legal liability towards passengers can be sought via payment of additional insurance premium.

 

What is the repair cost for my vehicles under the car insurance schemes by Allianz Insurance?

The repair cost for vehicles that are less than 5 years old is nil, under the car insurance policies by Allianz.

 

Can Allianz car insurance be availed for goods vehicles or commercial vehicles?

Yes. Allianz car insurance schemes can be availed for both private as well as commercial vehicles.

 

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Allianz Commercial Lorry A Permit Motor Insurance Kuala Lumpur Malaysia

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Allianz Motor Insurance Malaysia Online Renew Services

Service Provide By

ACPG Management Sdn Bhd (Insurance Biz since Year 1989)

Head Office

158-3-7, Blok 158, Kompleks Maluri,

Jalan Jejaka, Taman Maluri, Cheras,

55100 Kuala Lumpur, Malaysia.

http://www.acpgconsultant.com

+603-92863323, +6011-12239838

 

Allianz Motor Insurance Cheras Office Located at

https://goo.gl/maps/6gBBXYTL7rx

 
 
 
 

How To Renew Tokio Marine Motor Insurance ?

Renew Road Tax and Renewal Tokio Marine Motor Insurance Policy

Service Provide By

ACPG Management Sdn Bhd (Insurance Biz since Year 1989)

Head Office

158-3-7, Blok 158, Kompleks Maluri,

Jalan Jejaka, Taman Maluri, Cheras,

55100 Kuala Lumpur, Malaysia.

http://www.acpgconsultant.com

+603-92863323 , +6011-12239838

 

Tokio Marine Motor Insurance Cheras

 

What is the ACPG Insurer Comprehensive Private Vehicle all about?

This policy will compensate for liabilities to third parties for injury or death, damage to third parties’ property, and accidental or fire damage to your vehicle or theft of your vehicle. Have financial protection for when you or other motorists are reckless on the road!

 

What are the optional benefits offered?

Some of the optional benefits offered are as follows:

Breakage of glass in windscreen, window or sunroof

Legal Liability to Passengers

Strike, riot and civil commotion

Current year NCD relief

Vehicle accessories

 

How much premium do I have to pay?

The premium you have to pay may vary depending on the sum insured and cubic capacity of your vehicle, no-claim discount ( NCD) entitlement, optional benefits added, and ACPG Insurer's underwriting requirements.

 

What are the major exclusions under this policy?

This policy does not cover certain losses such as,:

Your own death or bodily injury due to a motor accident

Your liability against claims from passengers in your vehicle

Loss, damage or liability arising from an act of nature i.e. flood, storm, or landslide and others.

 

TOKIO MARINE Audi Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Bentley Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE BMW Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Citroen Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Ferrari Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Ford Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Honda Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Jaguar Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Kia Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Hyundai Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Lexus Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Mazda Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Mercedes Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Mini Cooper Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Mitsubishi Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Myvi Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Nissan Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Peugeot Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Porsche Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Proton Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Perodua Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Toyota Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Volkswagen Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Volvo Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Permit A Commercial Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Permit C Commercial Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Special Type Commercial Motor Insurance Cheras Kuala Lumpur

 

Audi TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

Bentley TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

BMW TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

Citroen TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

Ferrari TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

Ford TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

Honda TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

Jaguar TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

Kia TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

Hyundai TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

Lexus TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

Mazda TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

Mercedes TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

Mini Cooper TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

Mitsubishi TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

Myvi TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

Nissan TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

Peugeot TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

Porsche TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

Proton TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

Perodua TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

Toyota TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

Volkswagen TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

Volvo TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

Permit A Commercial TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

Permit C Commercial TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

Special Type Commercial TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

MYEG Online Road Tax Motor Insurance Cheras Kuala Lumpur

MYEG Tokio Marine Motor Insurance renewal Policy

MYEG Tokio Marine Car Insurance renewal Policy

 

Tokio Marine Car Insurance Kuala Lumpur Malaysia

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Tokio Marine Car Insurance Cheras

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Tokio Marine Commercial Lorry A Permit Motor Insurance Kuala Lumpur Malaysia

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Tokio Marine Commercial Lorry C Permit Motor Insurance Kuala Lumpur Malaysia

Tokio Marine Commercial Lorry C Permit Motor Insurance Kuala Lumpur

Tokio Marine Commercial Lorry C Permit Motor Insurance Selangor

Tokio Marine Commercial Lorry C Permit Motor Insurance Cheras

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Tokio Marine Commercial Lorry C Permit Motor Insurance Taman Pertama Cheras

Tokio Marine Commercial Lorry C Permit Motor Insurance Taman Segar Cheras

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Tokio Marine Commercial Lorry C Permit Motor Insurance Taman Billion

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Tokio Marine Commercial Lorry C Permit Motor Insurance Seri Kembangan

Tokio Marine Commercial Lorry C Permit Motor Insurance Kajang

Tokio Marine Commercial Lorry C Permit Motor Insurance KL

 

Tokio Marine Motor Insurance Cheras office located at https://goo.gl/maps/pim1ZHmi81G2

 
 
 

ACPG MANAGEMENT SDN BHD
Your Trusted Malaysia Risk Management Insurance Advisory Provider since year 1989.
For more details www.acpgconsultant.com

We (ACPG) One of The Largest General Insurance (Individual & Commercial) Risk Management and Solution Service Provider since year 1989 and Head Office located at Kuala Lumpur Malaysia.
 
Any enquiry, email to enquiry@acpgconsultant.com or Call our Careline : +603-9286 3323.

 
Please view ACPG Corporate Video for Malaysia Commercial Insurance (Business Insurance) and Malaysia Individual Insurance (Personal Insurance).
 
For ACPG Corporate Video posted on YouTube
at http://youtu.be/hwWKPU003gE for Malaysia Commercial Insurance (Business Insurance) and
at http://youtu.be/0hN64xcYgrI for Malaysia Individual Insurance (Personal Insurance).
ACPG Facebook Business Page

Updated May 2016