AXA FlexiDrive 汽车保险 www.insuranceonlinepurchase.com

AXA FlexiDrive汽车保险

第一款远程信息处理汽车保险奖励您成为安全驾驶员

ACPG 提供安排

ACPG 汽车保险管理有限公司

+ 6011-12239838 Whatsapp团队

http://www.acpgconsultant.com

AXA Flexi Drive是一种汽车保险,可为您提供高达20%的折扣,并具有自动事故警报和协助功能,GPS定位器以及24/7的车辆安全和盗窃恢复功能!

AXA Affin General Insurance Berhad 保险公司承保

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CAR WINDSCREEN INSURANCE MALAYSIA DAMAGE CLAIM FOR REPAIR AND REINSTATEMENT

Advice By

Anthony Chin, CEO

ACPG Management Sdn Bhd

Whatsapp Team +6011-12239838

http://www.acpgconsultant.com

CAR WINDSCREEN INSURANCE MALAYSIA DAMAGE CLAIM FOR REPAIR AND REINSTATEMENT

What Is A Windscreen Claim?

A claim made for damages to your vehicle’s windscreen under events covered by your Insurer.

There are two types of Windscreen Claims:

1. Replacement: Complete replacement of windscreen. Only ONE windscreen claim may be made throughout the period of your policy unless you reinstate the windscreen cover with an additional premium.

2. Repair: A claim for repairs of windscreen. The claimed amount will be deducted from the Sum Insured for the windscreen. You can reinstate the amount by paying an additional premium or maintain the balance after the claim

You can claim for repair or replacement without affecting your NCD

Who Can Make A Windscreen Claim?

Only valid for comprehensive motor insurance policyholders with a windscreen cover extension.

After your car windscreen is broken and if you did insure your car  for windscreen cover during your motor insurance policy renewal, you can send your car for repair and to replace the broken glass windscreen or windows  at the panel workshops for windscreen repairs appointed by your insurance company.

Your panel workshop repairer will help you with the filing of claim documents and get you to submit some written personal data with a copy of your insurance policy, identification car, driving license and the car ownership registration card and the cause for the broken windscreen and accompanying police report if it is required.

After your signing of the claim form, they will submit on-line or via fax to obtain the approval from your insurance company’s claim department.  Once approved, they will start the repair job on your car happily knowing that your insurance company  will reimburse them the cost of the windscreen and labor charge and a margin of profit.

Of course, your insurance company will inform them and you of the maximum limit of coverage you are entitled to claim. If the cost of repair and replacement is more than the limit of your sum insured, they will be asked to collect cash payment from you to pay the difference in amount of the additional cost of repair billed by the panel workshop.

This instance of having to top-up the cost of repair can be avoided if you have adequately insured your windscreen value by checking with your insurance agent or with the car franchise for your car model by providing them with your car chassis number and year manufactured at the inception of your renewal policy.

However, this may not be sufficient again if there are upwards fluctuation of the windscreen cost midway within the period of insurance and you are likely to encounter another shortfall or under insured when the claim is filed in.

Now, after making a windscreen damage claim against your insurance company, your insurance company will issue immediately an endorsement to delete off the limit of windscreen coverage from your car insurance policy to reflect that you have used that section of windscreen insurance benefits.

If your car insurance policy is valid and not yet due for renewal when you experienced the car windscreen breakage in the middle of the annual insurance policy term, you still need to protect your car windscreen and glass windows from another incident of accidental breakage for the remaining period of your running policy.

Therefore, Â our advice to you, the insured can instruct your car insurance agent to arrange with your insurance company to reinstate the optional cover for the same limit of windscreen insurance coverage for your car.

Supposing you did insured for sum of  RM1,000 for the cost of windscreen damage replacement, your insurance premium calculator will calculate RM1,000 multiply by 15% equals RM150.  Remember the insurance premium calculator formula given to you in my other post?

You need to pay this  premium of RM150 to your insurance company and they will issue an endorsement to invoke the reinstatement clause on your car insurance policy in Malaysia.  Your reinstatement is done and you are covered for windscreen damage again till end of your insurance remaining period.

However, under the Malaysian Tariff guidelines, you are not allowed to reinstate more than the limit at first inception of renewal policy before the claim. Â Another point to note is the internal rule that you cannot go to another insurance company or another insurance agent of the same insurance company to reinstate the windscreen insurance cover.

If you need further advice on your car insurance in Malaysia, please contact us.

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ACPG MANAGEMENT SDN BHD

Your Experienced and Trusted Malaysia Insurance Risk Management Solution Service Provider since year 1989.

ACPG careline : +603-9286 3323,

enquiry@acpgconsultant.com,

http://www.acpgconsultant.com

#ACPG

#ACPGManagementSdnBhd

#MalaysiaMotorinsurace

#MalaysiaCarinsurance

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Call ACPG Office +603-92863323

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011-12239838

012-6489838

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ACPG Management Sdn Bhd

Malaysia Experience Risk Management Insurance Services Provider (Since Year 1989)

Head Office

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

Jalan Jejaka, Taman Maluri,

55100 Kuala Lumpur, Malaysia.

+603-92863323

http://www.acpgconsultant.com

#ACPG

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AXA马来西亚医疗卡

AXA马来西亚医疗卡

即时查询服务热线+ 6011-12239838

安排

ACPG Management Sdn Bhd

http://www.acpgconsultant.com

AXA马来西亚医疗保险

完善的医疗计划,以防止医疗成本上升 !

为您和您的亲人提供全面保护,防止不断升级的医疗费用,让您专注于健康的康复!

AXA SmartCare Optimum Plus 医疗保险计划

一体化医疗计划,保护您和您的家人免受不断上涨的医疗费用。

选择3种经济实惠的计划,旨在满足不同的生活方式需求

主要好处解释

高额保障利益 – 医疗保险

高达 RM 210万令吉 的年度限额和 RM500 令吉 住院食宿利益

年度限额每年重置

即使您过去提出过索赔,也要享受每年全年限额的保险保障利益

门诊肾透析和癌症治疗

每年完全报销这些治疗,达到您的全年限额的保险保障利益

住院后护理和理疗长达90天

全额报销,直至您的年度限额的保险保障利益

全面的保险保障利益,最高可达100岁

现在注册并享受全面的医疗保险,直到您的黄金岁月

有关保障利益和免责条款的完整列表,请参阅我们的 AXA SmartCare Optimum Plus 医疗保险计划保单。

医疗保险保障利益和年度保费例子

SCO Plus计划1

食宿 RM 500(180天)

年度限额 210万令吉(无终身限制)/每次伤残 RM 210万令吉

无限索赔金额和保证可续保至100岁。

男性 – 年度保费

年龄 30岁 男性 RM 1242.00(0%销售服务税)

年龄 35岁 男性 RM 1401.00(0%销售服务税)

年龄 40岁 男性 RM 1587.00(0%销售服务税)

年龄 45岁 男性 RM 2059.00(0%销售服务税)

年龄 50岁 男性 RM 2721.00(0%销售服务税)

女性 – 年度保费

年龄 30岁 女性 RM 1143.00(0%销售服务税)

年龄 35岁 女性 RM 1368.00(0%销售服务税)

年龄 40岁 女性 RM 1652.00(0%销售服务税)

年龄 45岁 女性 RM 2014.00(0%销售服务税)

年龄 50岁 女性 RM 2581.00(0%销售服务税)

最后申请资格 年龄65岁。可续保至100岁。

每个保单 印花税 RM 10。

医疗和健康保险

安排

ACPG Management Sdn Bhd

医疗保险咨询自1989年

马来西亚医疗保险组织(MMI)会员

http://www.acpgconsultant.com

http://www.medicalinsurance.com.my

+603-92863323

+6011-12239838 Whatsapp Team

#AXAMedicalCard

#AXAMalaysiaMedicalCard

#AXAMedicalinsurance

#AXAMalaysiaMedicalinsurance

#AXAGroupMedicalinsurance

#AXAHealthinsurance

#AXAMalaysiaHealthinsurance

#ACPGManagementSdnBhd

#MalaysiaMedicalinsuranceOrganisation

#MalaysiaHealthInsurance

#MalaysiaMedicalinsurance

#MalaysiaMedicalcard

#医疗保险

#马来西亚医疗保险

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#马来西亚医疗卡

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#马来西亚医疗保险组织

AXA马来西亚医疗卡

AXA马来西亚医疗卡

即时查询服务热线+ 6011-12239838

安排

ACPG Management Sdn Bhd

http://www.acpgconsultant.com

AXA马来西亚医疗保险

完善的医疗计划,以防止医疗成本上升 !

为您和您的亲人提供全面保护,防止不断升级的医疗费用,让您专注于健康的康复!

AXA SmartCare Optimum Plus 医疗保险计划

一体化医疗计划,保护您和您的家人免受不断上涨的医疗费用。

选择3种经济实惠的计划,旨在满足不同的生活方式需求

主要好处解释

高额保障利益 – 医疗保险

高达 RM 210万令吉 的年度限额和 RM500 令吉 住院食宿利益

年度限额每年重置

即使您过去提出过索赔,也要享受每年全年限额的保险保障利益

门诊肾透析和癌症治疗

每年完全报销这些治疗,达到您的全年限额的保险保障利益

住院后护理和理疗长达90天

全额报销,直至您的年度限额的保险保障利益

全面的保险保障利益,最高可达100岁

现在注册并享受全面的医疗保险,直到您的黄金岁月

有关保障利益和免责条款的完整列表,请参阅我们的 AXA SmartCare Optimum Plus 医疗保险计划保单。

医疗保险保障利益和年度保费例子

SCO Plus计划1

食宿 RM 500(180天)

年度限额 210万令吉(无终身限制)/每次伤残 RM 210万令吉

无限索赔金额和保证可续保至100岁。

男性 – 年度保费

年龄 30岁 男性 RM 1242.00(0%销售服务税)

年龄 35岁 男性 RM 1401.00(0%销售服务税)

年龄 40岁 男性 RM 1587.00(0%销售服务税)

年龄 45岁 男性 RM 2059.00(0%销售服务税)

年龄 50岁 男性 RM 2721.00(0%销售服务税)

女性 – 年度保费

年龄 30岁 女性 RM 1143.00(0%销售服务税)

年龄 35岁 女性 RM 1368.00(0%销售服务税)

年龄 40岁 女性 RM 1652.00(0%销售服务税)

年龄 45岁 女性 RM 2014.00(0%销售服务税)

年龄 50岁 女性 RM 2581.00(0%销售服务税)

最后申请资格 年龄65岁。可续保至100岁。

每个保单 印花税 RM 10。

医疗和健康保险

安排

ACPG Management Sdn Bhd

医疗保险咨询自1989年

马来西亚医疗保险组织(MMI)会员

http://www.acpgconsultant.com

http://www.medicalinsurance.com.my

+603-92863323

+6011-12239838 Whatsapp Team

#AXAMedicalCard

#AXAMalaysiaMedicalCard

#AXAMedicalinsurance

#AXAMalaysiaMedicalinsurance

#AXAGroupMedicalinsurance

#AXAHealthinsurance

#AXAMalaysiaHealthinsurance

#ACPGManagementSdnBhd

#MalaysiaMedicalinsuranceOrganisation

#MalaysiaHealthInsurance

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#MalaysiaMedicalcard

#医疗保险

#马来西亚医疗保险

#AXA马来西亚医疗保险

#马来西亚医疗卡

#AXA马来西亚医疗卡

#马来西亚医疗保险组织

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http://wasap.my/+601112239838/MSIGmotorinsurance

ACP Group of Companies

http://www.acpgconsultant.com

03-92863323

011-12239838

012-6489838

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ACPG Management Sdn Bhd

Malaysia Experience Risk Management Insurance Services Provider (Since Year 1989)

Head Office

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

Jalan Jejaka, Taman Maluri,

55100 Kualla Lumpur, Malaysia.

+603-92863323

enquiry@acpgconsultant.com

http://www.acpgconsultant.com

#acpginsuranceservices

#GrabCarinsurance

#Motorinsurance

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AXA Personal Accident Medical Insurance Plan Arranged By ACPG Management Sdn Bhd

ACPG AXA SmartPA Enchanced-Brochure 190827A-page-001

AXA Personal Accident Medical Insurance Plan
Arranged By
ACPG Management Sdn Bhd
ACPG Whatsapp Team +6011-12239838
 
AXA SmartPA Enhanced
Plan ahead with SmartPA Enhanced. It secures you and your family with a wide range of coverage and benefits to ensure you have comprehensive protection against the unexpected.
 
Key benefits explained
Double payout up to RM 2 mil
Pays double the sum insured for accidental death or permanent disablement travelling on a public transport, travelling overseas, during festive season or being a victim of snatch theft or robbery.
 
Renewal bonus up to 120%
Principal sum insured for Accidental Death/Permanent Disablement will increase 15% per year up to 120% upon renewal of insurance provided there is no claim under Accidental Death or Permanent Disablement.
 
Renewable up to age 100
You are eligible to buy up to age 69 and the policy is renewable up to age 100 ensuring continuous protection into your golden years.
 
Hassle-free cashless admission to panel hospitals
Guarantees up to RM 12,000 for admission at panel hospitals in Malaysia due to an accident. You just need to show your identity card.
 
Family Plans Privilege
Extend the protection to your spouse and family with unlimited number of children and enjoy 3 times sum insured with double payout up to RM 6,000,000.
 
Covers snatch theft and robbery
Pays up to RM 500 for loss or damage to personal items due to snatch theft or robbery.
 
No Claims Discount
Get a 10% discount on your renewal premium if you do not make any claims on your policy.
 
Daily Hospitalization Allowance
Up to RM 250 daily cash allowance is paid each day to a maximum of 180 days for hospitalisation due to accident. This is on top of the Medical Expenses payout
 
Example
Individual Plan
Annual Premium (Before SST 6%)
Occupation Class 1 & 2
Plan 7 – RM 1,000,000.00 (1 Million)
Premium RM 1313.00
 
Plan 5 – RM 500,000.00 (1 Million)
Premium RM 708.00
 
Plan 3 – RM 200,000.00 (1 Million)
Premium RM 328.00
 
 
Malaysia Medical & Health Insurance
Malaysia Personal Accident Insurance
Arranged By
ACPG Management Sdn Bhd
Your Trusted Medical Insurance Advisory since year 1989
A Member of Malaysia Medical Insurance Organisation (MMI)
+603-92863323
+6011-12239838 Whatsapp Team
 

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