马来西亚旅游保险 你了解多少?分享来自 马来西亚医疗保险机构 (MMI)

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对于旅游保险 你了解多少?

分享来自

马来西亚医疗保险机构 (MMI)

马来西亚值得信赖,经验丰富及规模最大的医疗和健康保险业务方案服务提供组织

Malaysia Medical Insurance Organization (MMI)

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

对于旅游保险 你了解多少?

除了人寿保险、储蓄保险、医药保险……还有一个保险,平日没必要,在特定时期才需要的,那就是旅游保险,只是大家对它的了解有多深呢?

马航MH370事件沸腾至今,任何一个“发现”都足以牵动全球人的神经,保险索赔更是其中一项极其重要的后续发展。

目前,有鉴于马航事件为特殊情况,大马寿险公会已发出指示,会优先处理时间理赔工作,在获得死亡证明书之前,家属可以提前申请索取赔偿,一旦确定索赔者身分,就会在一星期内安排赔偿(仅限我国公民)。

儘管“事故”仍未盖棺论定,但根据各国主要媒体报导,在关注寻找失踪飞机之际,保险公司、航空公司、乘客、律师之间的索赔法律战,早已酝酿就绪等待上演。当然,无论“真相”或最终索赔结果,都需要时间才能有答桉。

人生总会遭遇大大小小不可预知的风险,灾难事故等大事轮不到我们来掌控,但如何从这些惨痛经验中取得启发与反思,将出游的意外风险转嫁,是我们应该从中学习的重要小事。旅游保险,正是其一。

但是,关于旅游保险,你真的懂吗?还是从来没买过?MMI AC 指出,马来西亚人对于这个旅游保险的认知程度的确有待加强:“其实,不要说一般人,连我身边的朋友都很少会购买这类型保险,主要原因是他们认为已经购买了个人寿险和意外险,所以根本不需要再购买旅游保险,这是个很普遍的迷思。

相似于意外险,但利益更多

虽然旅游保险的保障范围跟意外险有些相似,但有些利益是意外险或其他保险所无法提供的,例如:人寿保险只赔偿死亡和终身残废,医药卡在国外超过90天就不能使用。我举个例子,假设一个人突然在国外罹患严重疾病(当地没有医院可以提供相关服务)或死亡,必须返回马来西亚,当中所涉及的遣送费用,并不包括在人寿保险和医药卡的保障范围,但旅游保险就可以提供相关的保障。意外事故、空难、第三方索赔、遣送费用等都是旅游保险的保障范围。”

保个万一但不是随便购买

旅游人人爱,但旅游保险却往往“乏人问津”,人们很少会主动选择购买旅游保险,甚至在购买廉航机票时也会删除保险选项(除非参加规定购买保险的旅行团),除了欠缺风险意识,对旅游保险认识不足及存有迷思也是原因。

有必要购买旅游保险吗?“绝对必要!我与家人几乎每次出国,都会买旅游保险。

人在国外,很多时候都是人生地不熟,免不了会面对语言、文化的差异。万一在国外因为一场意外或病倒,从办理入院和医疗费用都有可能成为一个难题,旅游保险就能发挥作用。很多人会想到要省下小钱,却忽略了万一不幸发生事故,可能会面对更大的麻烦和压力。”

至于旅游保险要买多少才足够?他说其实很难一概而论,必须根据个人能力和财务需求来决定:“我建议还是看个人能力和需求。另外,旅游保险不见得是买得越多,赔偿越多,原因在于有些公司会列明,若在同一间公司购买超过一份旅游保险,只会以一份旅游保险来做出赔偿。”

买多或买少没有绝对答桉,但唯一肯定的是,遨游四海之前,除了事前妥善规划行程,也应该考虑购买旅游保险,做好有备无患的安全保障。

了解类型,保障权益

目前,我国常见的旅游保险主要包括以下几种:

信用卡公司赠送

使用信用卡购买飞机票时,信用卡公司/发卡银行本身赠送。“由于这是免费的,所以一般涵盖的保障范围可能比较少,通常会注重在旅游期间意外死亡/终身残废(包括空难事件),而且多半不包括国外的医药保险,但也有例外情况,必须视不同信用卡公司的条规而定。”

个人购买

购买飞机票时/后,可以上网或者向保险代理员购买个人旅游保险。这类保险涵盖的范围比较广,主要包括:意外死亡、终身残废、医药保险、第三方损失等等。另外,也可再细分为单程或者双程旅游保险(例如:到国外读书,通常只需购买单程旅游保险,然后再购买当地的医疗保险。)

公司购买

如果是公司为员工购买的旅游保险,必须确定保单拥有者是公司还是员工。同时必须确定填写提名人(受益人)的资料。

万一保单拥有者是公司,那么保险赔偿金将会归公司。并不是归员工的家属。另外,虽然公司有责任/义务为出差员工购买旅游保险,但我国法律并没有强制规定一定要购买。”他提醒因公出差的员工,最好向公司清楚询问这些相关事项,例如:是否有购买旅游保险、谁才是受益人等。

家庭配套旅游保险

另外,旅游保险也可分为个人或者家庭配套旅游保险,家庭配套比较便宜,但相对保额方面也有固定的限制。

年限旅游保险

旅游保险多数是以个别旅游次数来做计算。对于一年内频密出国的人,可以考虑购买年限旅游保险,保费会比较便宜。

MMI AC 表示,大部分国家的旅游保障内容都一样,只是保费会根据旅游地点而有所差异。我国旅游保险通常会以旅游地点划分为本地、亚洲地区、世界性区域(例如:美国/加拿大)。本地与亚洲会比较便宜,主要的考量因素包括地理环境、气候/天灾、政治因素、恐怖袭击、战争以及其他可能性等。

弄清细节免得届时没得赔!

买保险最气的是,就是你需要的,它统统不赔,如何才能最大程度保障自己的权益?

购买旅游保险时,必须诚实透露你的工作性质,健康状况以及出国理由等,原因是这些都会影响保险公司对你风险评估。

AC提醒民众在购买旅游保险前,务必要清楚搞懂以下几件事:

˙确定清楚填写受益人资料,同时让他们知道你有购买旅游保险。

˙向保险公司索取紧急电话,以防万一在国外面对一些困境,可以第一时间联络保险公司。

˙购买旅游保险最好提前购买,不要等到旅行当天才买,有些保险公司会拒绝当天投保的情况。另一个好处是可以提前确认保单合同内容,以及核对个人和受益人资料等等。

万一在国外被打抢,掠夺或由于其他因素蒙受损失,都必须在当地时间24小时内报警。因为这些将会在后期申请理赔列入考量因素。

了解自己所购买的旅游保险。确认该旅游保险的保障范围,以及不给予保障的事项。例如:医疗费用的理赔是根据本地费用为准,而不是外汇转换率,行李箱延迟的赔偿仅限于旅游目的地等等。

根据旅游保险配套、目的地、保障天数,评估需要支付多少保费才是合理的

确认每项利益是否存在需个人自行承担的费用。

处理保险索赔问题的单位

旅游保险索赔出问题?首先,可以向各自的保险公司投诉,由公司进行处理。如果不满意保险公司的处理方式或得不到合理的答覆,再进一步向下列有关部门投诉,主动争取自己的权益。

更多旅游知识,请游览 www.medicalinsurance.com.my

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医药卡的秘密,你真的了解医药卡吗?分享来自 马来西亚医疗保险机构 (MMI)

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医药卡的秘密,你真的了解医药卡吗?

分享来自

马来西亚医疗保险机构 (MMI) 

马来西亚值得信赖,经验丰富及规模最大的医疗和健康保险业务方案服务提供组织

Malaysia Medical Insurance Organization (MMI)

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

在疾病年轻化,医疗费越见高昂的现代社会,没有一张医药保险(俗称医药卡)傍身的人少之又少。

投保前问清楚讲明白

(一)保障范围投保前应了解什么事项和疾病受保什么不受保,例如滥用毒品、爱滋病、战争都不受保,以乳癌为例,若属原位癌(零期未扩散),传统医药卡不理赔,但新款医药卡和疾病险却纳入受保范围,以保诚为例,尽管原位乳癌不属36种严重疾病险的受保范围,但女性保单则理赔。

保险公司只为突发疾病提供保障,一些非必要支出如astro费、报纸、医院迎宾小礼物、女佣在医院里的床位,以“检查为目的”的健康检查(例如头痛进院检查时,叫医生“顺便”从头到脚检查一遍),保险公司不负责买单。尽管了解这些细节并非易事,但鼓励保客事前问清楚,就诊前也应向医生确认,以后日后引发争执和投诉。

(二)有关医药卡是否医药费分摊这是指保客必须和保险公司分担一小部分的住院与医药费用:大多数医药卡都明订Co-Insurance条例,即保客负责分担10%的住院费用,或最少需分担300令吉,最高1000令吉的医药费,余下的住院与医药费才由保险公司承担。

(三)等待期限的长短等待期限依保单和保客情况从30天至120天不等。除了突发意外事件不受约束,一般疾病通常须过了等待期限,才能向保险公司索赔,此举是为了避免消费人在已患病或健康亮红灯情况下,先行投保才就医。此外,投保前已有病例条例则阐明,不为原已存在的病况提供保障。

对医卡错误观念

(一)公司为我投保,省下一笔。

大部分企业都会为雇员投保,有些雇员就想:“既然公司为我投保,能省则省,我不用买。”其实,不论公司是否提供这项福利,消费人都应自掏腰包买一张医药卡。

即使已结婚都有可能离婚,更何况是离职或者辞职?当雇员因故无法为公司效力或离职,便失去医药保障。

因为保险保的是某某公司雇员,当你已经不是某某公司雇员,谁来帮你出医药费?这时才想要买医药卡?对不起,你已患病在身(尤其患上癌症),成为保险公司的拒绝往来户,侥幸受保也必须缴付额外费用。

再者,公司可能因故暂时停止缴费(没有告知员工),员工却在这期间发生事故,后果可想而知。

(二)指定医院和付费

许多保客以为只有到指定医院就诊,保险公司才会给付,事实却非如此。不管是指定或非指定医院,保险公司都会负责,差别在于(1)到指定医院可免付费就诊,(2)到非指定医院,保客须代垫医药费,再向保险公司索费。

(三)钱丢进大海

保客总有“买医药卡没有做索偿,等同于把钱丢进大海”的心态。难道买汽车保险是希望发生车祸?同样的道理,医药卡只是为了以防万一,有需要时不必动用自己的储蓄和血汗钱。

医药卡必知

(一)每年检视保单

人生不同阶段有不同目标和责任,消费人应善用保险代理员提供的免费咨询服务,每年检视保单并适时调整,像手机、电脑之类的设备,大家都会定期更新,保单也应该如此,很多保单是多年前购买的,现在的产品推陈出新,消费人可以检讨看看有没有需要追加。

(二)凑钱为父母投保

乐龄人士的医药卡保费不便宜,却又是患病的高风险群,这里建议为人子女者,可凑钱合力为父母购买。

你说你爱你的父母,万一父母发生事情,你能袖手旁观吗?万一发生事情,若孩子没能力承担,至少保险公司有能力,由保险公司来负责。

(三)各别购买医药卡

全家受保的医药保险尽管收费较低廉,却有限制。

例如家庭保险只为21岁以下子女提供保障。当子女年届21岁想要个别投保,或有可能因早前身体状况不佳而有被保险公司拒保的风险。

另外,由于可索赔限额由家庭成员共享,若家中有一人以上患病,可能会不敷使用。

如果够用的就没问题,不够用时怎么办?因此这里主张每个家庭成员拥有各自的医药卡。

(四)向专业保险代理员投保

市面上有中间人保险公司以会员制方式出售保险产品,其缺点是购买者并非直接对保险公司,或有可能遭遇缺乏保证续保或沦为孤儿保单(没有代理人服务)的风险。

其区别方式是填写保单申请时,注意公司抬头是保险公司或者是该中间人保险公司。他呼吁消费人直接向保险公司的代理员投保。

mmi100Fb_panel-hospitala

Malaysia Medical Insurance Organisation (MMI)

马来西亚医疗保险机构(MMI

ACPG 集团和联营团队成员

MMI 服务热线:+603-92863323, +6011-12239838.

mmicare@medicalinsurance.com.my

Type of Insurance Solution Services : 

Individual, Group Workers and Employees Benefits

Medical Insurance coverage,

Health Insurance coverage,

Medical Care Insurance coverage,

Medical Card Admission Benefits insurance coverage,

Hospitalisation Insurance coverage,

Surgical fees and Anesthetist fees Insurance coverage,

Specialist Consultant, Surgeon and Physician expenses Insurance coverage,

Accident Income Insurance coverage,

Accident Disablement Insurance coverage,

Accident Medical Expenses Insurance Accidental Insurance coverage,

Traveling Medical Expenses Insurance coverage,

Traveling Accident Expenses Insurance coverage,

Disablement Insurance coverage,

Dread Disease Insurance coverage,

Malaysia Life and General Insurance Business Directory

1) American International Assurance Bhd 

2) Etiqa Insurance Berhad 

3) ING Insurance Berhad 

4) MCIS Zurich Insurance Berhad 

5) Prudential Assurance Malaysia Berhad 

6) Zurich Insurance Malaysia Berhad

Life Insurance Business Only 

1) AXA Affin Life Insurance Berhad 

2) Allianz Life Insurance Malaysia Berhad 

3) AmLife Insurance Berhad 

4) CIMB Aviva Assurance Berhad 

5) Great Eastern Life Assurance (Malaysia) Berhad 

6) Hong Leong Assurance Berhad 

7) Manulife Insurance Berhad 

8) Tokio Marine Life Insurance Malaysia Bhd 

9) Uni.Asia Life Assurance Berhad

General Insurance Business Only

No. 

01) ACE Jerneh Insurance Berhad 

02) AIG Malaysia Insurance Berhad 

03) AXA Affin General Insurance Berhad 

04) Allianz General Insurance Company (Malaysia) Berhad 

05) AmG Insurance Berhad 

06) Berjaya Sompo Insurance Berhad 

07) Danajamin Nasional Berhad 

08) Kurnia Insurans (Malaysia) Berhad 

09) Lonpac Insurance Berhad 

10) MSIG Insurance (Malaysia) Berhad 

11) Multi-Purpose Insurans Berhad 

12) Overseas Assurance Corporation (Malaysia) Berhad 

13) Pacific & Orient Insurance Co. Berhad 

14) The Pacific Insurance Berhad 

15) Progressive Insurance Berhad 

16) QBE Insurance (Malaysia) Berhad 

17) RHB Insurance Berhad 

18) Tokio Marine Insurans (Malaysia) Berhad 

19) Tune Insurance Malaysia Berhad 

20) Uni.Asia General Insurance Berhad

MMI-profile P1 130913

MyEG fined RM2.7mil for harming competition in foreign worker insurance sale !

MyEG fined RM2.7mil for harming competition in foreign worker insurance sale

MyEG fined RM2.7mil for harming competition in foreign worker insurance sale !

myeg picture 01

The Star Online

Friday, 24 June 2016 | MYT 5:56 PM

KUALA LUMPUR:

The Malaysia Competition Commission (MyCC) has fined MY E.G. Services Bhd (MyEG) RM2.272mil for abusing its dominant position in how it manages online foreign workers permit (PLKS) renewals.In a statement on Friday, MyCC said by virtue of their shareholdings and directorships, MyEG and MY E.G. Commerce Sdn Bhd (MyEG Commerce) were a single economic unit as defined under the Competition Act 2010. (MyEG Commerce is 100% owned by MyEG.)MyCC said it found that MyEG, together with MyEG Commerce, had infringed the Act by “abusing its dominant position in harming competition in the downstream market in which MyEG Commerce is participating as an insurance agent for online PLKS renewal applications.

”The competition authority said different conditions were imposed to equivalent transactions with its competitors to the extent that it had harmed competition in the downstream market for the sale of mandatory insurances.The RM2.272mil financial penalty imposed on the e-government services provider comprises a fine of RM307,200 for the infringement periods of Jan 5, 2015, to Jan 22, 2015, and May 2, 2015, to Oct 6, 2015, as well as a daily penalty of RM7,500 from Oct 7, 2015, to the date of MyCC’s decision (June 24).

The Commission also imposes several remedial actions on MyEG, for which non-compliance may lead to a higher daily penalty for the subsequent period of non-compliance.These remedial actions include asking MyEG to cease and desist immediately from imposing different conditions to equivalent transactions in the processing of mandatory insurances for online PLKS renewal applications.MyEG must also provide an efficient gateway for all its competitors in the market of sale of the mandatory insurances and allows the other competitors to compete at the same level within 60 days.

The company must also provide an undertaking in the form and manner acceptable to the Commission, to be fully compliant with the rules and regulations of General Insurance Association of Malaysia within 60 days.In an announcement to Bursa Malaysia on the same day, MyEG said its board of directors would review MyCC’s decision with the company’s legal counsel and it intended to file in an appeal to MyCC.MyEG shares shed 1 sen to close at RM1.94 on Friday, with 7.046 million shares traded.

http://www.thestar.com.my/business/business-news/2016/06/24/myeg-fined-rm2pt7mil-for-harming-rivals-in-foreign-worker-insurance-mart/

http://www.mycc.gov.my/media-releases

Foreign Worker Insurance FB Wall Post

Shared Information By

ACPG Management Sdn Bhd

Malaysia Experience Foreign Worker Insurance Risk Management Solution Provider since year 1989.

Head Office

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

Jalan Jejaka, Taman Maluri,

55100 Kuala Lumpur, Malaysia.

ACPG Careline +603-92863323

enquiry@acpgconsultant.com

www.acpgconsultant.com

www.facebook.com/acpg.management

星洲网 24/06/2016

MyEG违竞争法罚227·竞争委会:若不补救提高罚款MyEGMyEG商业公司触犯2010年竞争法令,被大马竞争委员会(MyCC)罚款2272200令吉。

(吉隆坡24日讯)

MyEGMyEG商业公司触犯2010年竞争法令,被大马竞争委员会(MyCC)罚款2272200令吉。MyCC今日发文告指出,如果MyEG没有落实MyCC所提出的补救行动,MyCC将会在接下来的期间对该公司实施更高的每日罚款。

文告说,MyCC接获数宗投诉,指责MyEG滥用其网上更新外劳准证服务所占有的主导地位。

滥用主导地位“根据调查发现,MyEGMyEG商业公司的确违法,滥用其主导地位,危害下游市场的竞争,因为MyEG商业公司加入成为网上更新外劳准证的保险代理,其所售卖的强制保险,让其对手在进行相同的交易,却需遵守不同的条件。”文告指出,上述罚款包括在去年15日至22日,以及去年52日至106日期间触法的罚款307200令吉,还有从107日那天起每天7500令吉的罚款。

文告说,实施每日罚款是因为MyEG持续滥用主导地位的行为,而且至今还未为其对手提供充份进入市场的门槛,MyEG所销售的强制保险,造成其对手无法在相同的水平与之竞争。

文告指出,竞争委员会建议MyEG采取的补救行动包括停止在网上更新外劳准证的强制保险中,在相同的交易中向对手实施不同的条件丶从MyCC下决定起的60天内为对手提供相同的竞争平台和以MyCC接受的方式承诺遵守大马普通保险协会(PIAM)条例。

文告说,MyCC这项决定的通告将会上载至其官网,可以浏览http://www.mycc.gov.my

http://www.mycc.gov.my/media-releases

http://www.sinchew.com.my/…/myeg%E8%BF%9D%E7%AB%9E%E4%BA%89…

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ACPG Motor Careline +603-92863323.

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Shopping Mall Public Liability Insurance Kuala Lumpur Malaysia Directory

acpg100Fb_m-public-liability.jpg

Shopping Mall Public Liability Insurance Kuala Lumpur Malaysia

Public Liability Insurance

Arranged By

ACPG Management Sdn Bhd

Head Office

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

Jalan Jejaka, Taman Maluri, Cheras,

55100 Kuala Lumpur, Malaysia.

http://www.acpgconsultant.com

+603-92863323

 

Shopping Mall installation liability insurance FB Wall Post

Public Liability insurance is considered essential in businesses which involve regular interactions between the members of the public and the company such as retail businesses, restaurants, clinics, contractors, renovators, installers  and many more.

The Public Liability insurance covers your legal liability to a third (3rd) party as a result of an accident happening in connection with your business operations.

 

The insurance indemnifies you against all sums which you become legally liable for damages and claimant’s costs and expenses in respect of:

Bodily injuries including illnesses to any person.

Losses or damages to property.

Legal expenses incurred in your legal proceeding defence.

 

Public Liability insurance protects our policyholders against legal liabilities arising in connection with their business operations.

 

Coverage may include products, completed operations, premises and operations, personal injury and contractual liability.

These are some of the types of coverage requested:

Premises and operations coverage for bodily injury or property damage incurred on their premises and/or as a result of their business operations

 

Product liability coverage for bodily injury or property damage incurred through the use of the product manufactured, distributed or sold

 

Completed operations coverage for bodily injury or property damage incurred because of a defect in a completed project.

 

Public Liability Insurance for

Construction Contractors and Sub Contractors.

Renovation Contractors and Sub Contractors.

Installation Contractors and Sub Contractors.

Signboard Owner, Contractors and Sub Contractors.

Manufacturing and Factory Owners

Office Owners and Tenants

Shop, Retail Outlets Owners and Tenants.

Shopping Mall Owners, Tenants and JMB, MC, PMC, property management company and management office.

 

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Mercedes Car Panel Motor Insurance Kuala Lumpur Directory

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Mercedes Car Panel Motor Insurance Kuala Lumpur Directory

ACPG Management Sdn Bhd

Head Office

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

Jalan Jejaka, Taman Maluri, Cheras,

55100 Kuala Lumpur, Malaysia.

http://www.acpgconsultant.com

+603-92863323

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AIG Group Hospital and Surgical Medical Insurance Pandan Jaya

AIG Group Hospital and Surgical Medical Insurance Pandan Perdana

AIG Group Hospital and Surgical Medical Insurance Pandan Indah

AIG Group Hospital and Surgical Medical Insurance Taman Cheras

AIG Group Hospital and Surgical Medical Insurance Taman Pertama Cheras

AIG Group Hospital and Surgical Medical Insurance Taman Segar Cheras

AIG Group Hospital and Surgical Medical Insurance Taman Midah

AIG Group Hospital and Surgical Medical Insurance Bandar Tun Razak

AIG Group Hospital and Surgical Medical Insurance Taman Billion

AIG Group Hospital and Surgical Medical Insurance Taman Mewah

AIG Group Hospital and Surgical Medical Insurance Balakong

AIG Group Hospital and Surgical Medical Insurance Bangsar

AIG Group Hospital and Surgical Medical Insurance Pantai Dalam

AIG Group Hospital and Surgical Medical Insurance Jalan Kelang Lama

AIG Group Hospital and Surgical Medical Insurance Kuchai Lama

AIG Group Hospital and Surgical Medical Insurance Sungai Besi

AIG Group Hospital and Surgical Medical Insurance Puchong

AIG Group Hospital and Surgical Medical Insurance Shah Alam

AIG Group Hospital and Surgical Medical Insurance PJ

AIG Group Hospital and Surgical Medical Insurance Petaling Jaya

AIG Group Hospital and Surgical Medical Insurance Seri Petaling

AIG Group Hospital and Surgical Medical Insurance Desa Petaling

AIG Group Hospital and Surgical Medical Insurance Subang

AIG Group Hospital and Surgical Medical Insurance USJ

AIG Group Hospital and Surgical Medical Insurance Damansara

AIG Group Hospital and Surgical Medical Insurance Kota Damansara

AIG Group Hospital and Surgical Medical Insurance Kepong

AIG Group Hospital and Surgical Medical Insurance Sungai Buluh

AIG Group Hospital and Surgical Medical Insurance Rawang

AIG Group Hospital and Surgical Medical Insurance Jalan Ipoh

AIG Group Hospital and Surgical Medical Insurance Selayang

AIG Group Hospital and Surgical Medical Insurance Gombak

AIG Group Hospital and Surgical Medical Insurance Wangsa Maju

AIG Group Hospital and Surgical Medical Insurance Setapak

AIG Group Hospital and Surgical Medical Insurance Kajang

AIG Group Hospital and Surgical Medical Insurance Sungai Long

AIG Group Hospital and Surgical Medical Insurance Mahkota Cheras

AIG Group Hospital and Surgical Medical Insurance Seri Kembangan

AIG Group Hospital and Surgical Medical Insurance Kajang

AIG Group Hospital and Surgical Medical Insurance KL

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AXA Group Hospital and Surgical Medical Insurance Kuala Lumpur Malaysia

AXA Group Hospital and Surgical Medical Insurance Kuala Lumpur

AXA Group Hospital and Surgical Medical Insurance Selangor

AXA Group Hospital and Surgical Medical Insurance Cheras

AXA Group Hospital and Surgical Medical Insurance Ampang

AXA Group Hospital and Surgical Medical Insurance Kampung Pandan

AXA Group Hospital and Surgical Medical Insurance Pandan Jaya

AXA Group Hospital and Surgical Medical Insurance Pandan Perdana

AXA Group Hospital and Surgical Medical Insurance Pandan Indah

AXA Group Hospital and Surgical Medical Insurance Taman Cheras

AXA Group Hospital and Surgical Medical Insurance Taman Pertama Cheras

AXA Group Hospital and Surgical Medical Insurance Taman Segar Cheras

AXA Group Hospital and Surgical Medical Insurance Taman Midah

AXA Group Hospital and Surgical Medical Insurance Bandar Tun Razak

AXA Group Hospital and Surgical Medical Insurance Taman Billion

AXA Group Hospital and Surgical Medical Insurance Taman Mewah

AXA Group Hospital and Surgical Medical Insurance Balakong

AXA Group Hospital and Surgical Medical Insurance Bangsar

AXA Group Hospital and Surgical Medical Insurance Pantai Dalam

AXA Group Hospital and Surgical Medical Insurance Jalan Kelang Lama

AXA Group Hospital and Surgical Medical Insurance Kuchai Lama

AXA Group Hospital and Surgical Medical Insurance Sungai Besi

AXA Group Hospital and Surgical Medical Insurance Puchong

AXA Group Hospital and Surgical Medical Insurance Shah Alam

AXA Group Hospital and Surgical Medical Insurance PJ

AXA Group Hospital and Surgical Medical Insurance Petaling Jaya

AXA Group Hospital and Surgical Medical Insurance Seri Petaling

AXA Group Hospital and Surgical Medical Insurance Desa Petaling

AXA Group Hospital and Surgical Medical Insurance Subang

AXA Group Hospital and Surgical Medical Insurance USJ

AXA Group Hospital and Surgical Medical Insurance Damansara

AXA Group Hospital and Surgical Medical Insurance Kota Damansara

AXA Group Hospital and Surgical Medical Insurance Kepong

AXA Group Hospital and Surgical Medical Insurance Sungai Buluh

AXA Group Hospital and Surgical Medical Insurance Rawang

AXA Group Hospital and Surgical Medical Insurance Jalan Ipoh

AXA Group Hospital and Surgical Medical Insurance Selayang

AXA Group Hospital and Surgical Medical Insurance Gombak

AXA Group Hospital and Surgical Medical Insurance Wangsa Maju

AXA Group Hospital and Surgical Medical Insurance Setapak

AXA Group Hospital and Surgical Medical Insurance Kajang

AXA Group Hospital and Surgical Medical Insurance Sungai Long

AXA Group Hospital and Surgical Medical Insurance Mahkota Cheras

AXA Group Hospital and Surgical Medical Insurance Seri Kembangan

AXA Group Hospital and Surgical Medical Insurance Kajang

AXA Group Hospital and Surgical Medical Insurance KL

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Allianz Group Hospital and Surgical Medical Insurance Kuala Lumpur Malaysia

Allianz Group Hospital and Surgical Medical Insurance Kuala Lumpur

Allianz Group Hospital and Surgical Medical Insurance Selangor

Allianz Group Hospital and Surgical Medical Insurance Cheras

Allianz Group Hospital and Surgical Medical Insurance Ampang

Allianz Group Hospital and Surgical Medical Insurance Kampung Pandan

Allianz Group Hospital and Surgical Medical Insurance Pandan Jaya

Allianz Group Hospital and Surgical Medical Insurance Pandan Perdana

Allianz Group Hospital and Surgical Medical Insurance Pandan Indah

Allianz Group Hospital and Surgical Medical Insurance Taman Cheras

Allianz Group Hospital and Surgical Medical Insurance Taman Pertama Cheras

Allianz Group Hospital and Surgical Medical Insurance Taman Segar Cheras

Allianz Group Hospital and Surgical Medical Insurance Taman Midah

Allianz Group Hospital and Surgical Medical Insurance Bandar Tun Razak

Allianz Group Hospital and Surgical Medical Insurance Taman Billion

Allianz Group Hospital and Surgical Medical Insurance Taman Mewah

Allianz Group Hospital and Surgical Medical Insurance Balakong

Allianz Group Hospital and Surgical Medical Insurance Bangsar

Allianz Group Hospital and Surgical Medical Insurance Pantai Dalam

Allianz Group Hospital and Surgical Medical Insurance Jalan Kelang Lama

Allianz Group Hospital and Surgical Medical Insurance Kuchai Lama

Allianz Group Hospital and Surgical Medical Insurance Sungai Besi

Allianz Group Hospital and Surgical Medical Insurance Puchong

Allianz Group Hospital and Surgical Medical Insurance Shah Alam

Allianz Group Hospital and Surgical Medical Insurance PJ

Allianz Group Hospital and Surgical Medical Insurance Petaling Jaya

Allianz Group Hospital and Surgical Medical Insurance Seri Petaling

Allianz Group Hospital and Surgical Medical Insurance Desa Petaling

Allianz Group Hospital and Surgical Medical Insurance Subang

Allianz Group Hospital and Surgical Medical Insurance USJ

Allianz Group Hospital and Surgical Medical Insurance Damansara

Allianz Group Hospital and Surgical Medical Insurance Kota Damansara

Allianz Group Hospital and Surgical Medical Insurance Kepong

Allianz Group Hospital and Surgical Medical Insurance Sungai Buluh

Allianz Group Hospital and Surgical Medical Insurance Rawang

Allianz Group Hospital and Surgical Medical Insurance Jalan Ipoh

Allianz Group Hospital and Surgical Medical Insurance Selayang

Allianz Group Hospital and Surgical Medical Insurance Gombak

Allianz Group Hospital and Surgical Medical Insurance Wangsa Maju

Allianz Group Hospital and Surgical Medical Insurance Setapak

Allianz Group Hospital and Surgical Medical Insurance Kajang

Allianz Group Hospital and Surgical Medical Insurance Sungai Long

Allianz Group Hospital and Surgical Medical Insurance Mahkota Cheras

Allianz Group Hospital and Surgical Medical Insurance Seri Kembangan

Allianz Group Hospital and Surgical Medical Insurance Kajang

Allianz Group Hospital and Surgical Medical Insurance KL

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MSIG Group Hospital and Surgical Medical Insurance Kuala Lumpur Malaysia

MSIG Group Hospital and Surgical Medical Insurance Kuala Lumpur

MSIG Group Hospital and Surgical Medical Insurance Selangor

MSIG Group Hospital and Surgical Medical Insurance Cheras

MSIG Group Hospital and Surgical Medical Insurance Ampang

MSIG Group Hospital and Surgical Medical Insurance Kampung Pandan

MSIG Group Hospital and Surgical Medical Insurance Pandan Jaya

MSIG Group Hospital and Surgical Medical Insurance Pandan Perdana

MSIG Group Hospital and Surgical Medical Insurance Pandan Indah

MSIG Group Hospital and Surgical Medical Insurance Taman Cheras

MSIG Group Hospital and Surgical Medical Insurance Taman Pertama Cheras

MSIG Group Hospital and Surgical Medical Insurance Taman Segar Cheras

MSIG Group Hospital and Surgical Medical Insurance Taman Midah

MSIG Group Hospital and Surgical Medical Insurance Bandar Tun Razak

MSIG Group Hospital and Surgical Medical Insurance Taman Billion

MSIG Group Hospital and Surgical Medical Insurance Taman Mewah

MSIG Group Hospital and Surgical Medical Insurance Balakong

MSIG Group Hospital and Surgical Medical Insurance Bangsar

MSIG Group Hospital and Surgical Medical Insurance Pantai Dalam

MSIG Group Hospital and Surgical Medical Insurance Jalan Kelang Lama

MSIG Group Hospital and Surgical Medical Insurance Kuchai Lama

MSIG Group Hospital and Surgical Medical Insurance Sungai Besi

MSIG Group Hospital and Surgical Medical Insurance Puchong

MSIG Group Hospital and Surgical Medical Insurance Shah Alam

MSIG Group Hospital and Surgical Medical Insurance PJ

MSIG Group Hospital and Surgical Medical Insurance Petaling Jaya

MSIG Group Hospital and Surgical Medical Insurance Seri Petaling

MSIG Group Hospital and Surgical Medical Insurance Desa Petaling

MSIG Group Hospital and Surgical Medical Insurance Subang

MSIG Group Hospital and Surgical Medical Insurance USJ

MSIG Group Hospital and Surgical Medical Insurance Damansara

MSIG Group Hospital and Surgical Medical Insurance Kota Damansara

MSIG Group Hospital and Surgical Medical Insurance Kepong

MSIG Group Hospital and Surgical Medical Insurance Sungai Buluh

MSIG Group Hospital and Surgical Medical Insurance Rawang

MSIG Group Hospital and Surgical Medical Insurance Jalan Ipoh

MSIG Group Hospital and Surgical Medical Insurance Selayang

MSIG Group Hospital and Surgical Medical Insurance Gombak

MSIG Group Hospital and Surgical Medical Insurance Wangsa Maju

MSIG Group Hospital and Surgical Medical Insurance Setapak

MSIG Group Hospital and Surgical Medical Insurance Kajang

MSIG Group Hospital and Surgical Medical Insurance Sungai Long

MSIG Group Hospital and Surgical Medical Insurance Mahkota Cheras

MSIG Group Hospital and Surgical Medical Insurance Seri Kembangan

MSIG Group Hospital and Surgical Medical Insurance Kajang

MSIG Group Hospital and Surgical Medical Insurance KL

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Lonpac Group Hospital and Surgical Medical Insurance Kuala Lumpur Malaysia

Lonpac Group Hospital and Surgical Medical Insurance Kuala Lumpur

Lonpac Group Hospital and Surgical Medical Insurance Selangor

Lonpac Group Hospital and Surgical Medical Insurance Cheras

Lonpac Group Hospital and Surgical Medical Insurance Ampang

Lonpac Group Hospital and Surgical Medical Insurance Kampung Pandan

Lonpac Group Hospital and Surgical Medical Insurance Pandan Jaya

Lonpac Group Hospital and Surgical Medical Insurance Pandan Perdana

Lonpac Group Hospital and Surgical Medical Insurance Pandan Indah

Lonpac Group Hospital and Surgical Medical Insurance Taman Cheras

Lonpac Group Hospital and Surgical Medical Insurance Taman Pertama Cheras

Lonpac Group Hospital and Surgical Medical Insurance Taman Segar Cheras

Lonpac Group Hospital and Surgical Medical Insurance Taman Midah

Lonpac Group Hospital and Surgical Medical Insurance Bandar Tun Razak

Lonpac Group Hospital and Surgical Medical Insurance Taman Billion

Lonpac Group Hospital and Surgical Medical Insurance Taman Mewah

Lonpac Group Hospital and Surgical Medical Insurance Balakong

Lonpac Group Hospital and Surgical Medical Insurance Bangsar

Lonpac Group Hospital and Surgical Medical Insurance Pantai Dalam

Lonpac Group Hospital and Surgical Medical Insurance Jalan Kelang Lama

Lonpac Group Hospital and Surgical Medical Insurance Kuchai Lama

Lonpac Group Hospital and Surgical Medical Insurance Sungai Besi

Lonpac Group Hospital and Surgical Medical Insurance Puchong

Lonpac Group Hospital and Surgical Medical Insurance Shah Alam

Lonpac Group Hospital and Surgical Medical Insurance PJ

Lonpac Group Hospital and Surgical Medical Insurance Petaling Jaya

Lonpac Group Hospital and Surgical Medical Insurance Seri Petaling

Lonpac Group Hospital and Surgical Medical Insurance Desa Petaling

Lonpac Group Hospital and Surgical Medical Insurance Subang

Lonpac Group Hospital and Surgical Medical Insurance USJ

Lonpac Group Hospital and Surgical Medical Insurance Damansara

Lonpac Group Hospital and Surgical Medical Insurance Kota Damansara

Lonpac Group Hospital and Surgical Medical Insurance Kepong

Lonpac Group Hospital and Surgical Medical Insurance Sungai Buluh

Lonpac Group Hospital and Surgical Medical Insurance Rawang

Lonpac Group Hospital and Surgical Medical Insurance Jalan Ipoh

Lonpac Group Hospital and Surgical Medical Insurance Selayang

Lonpac Group Hospital and Surgical Medical Insurance Gombak

Lonpac Group Hospital and Surgical Medical Insurance Wangsa Maju

Lonpac Group Hospital and Surgical Medical Insurance Setapak

Lonpac Group Hospital and Surgical Medical Insurance Kajang

Lonpac Group Hospital and Surgical Medical Insurance Sungai Long

Lonpac Group Hospital and Surgical Medical Insurance Mahkota Cheras

Lonpac Group Hospital and Surgical Medical Insurance Seri Kembangan

Lonpac Group Hospital and Surgical Medical Insurance Kajang

Lonpac Group Hospital and Surgical Medical Insurance KL

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Kurnia Group Hospital and Surgical Medical Insurance Kuala Lumpur Malaysia

Kurnia Group Hospital and Surgical Medical Insurance Kuala Lumpur

Kurnia Group Hospital and Surgical Medical Insurance Selangor

Kurnia Group Hospital and Surgical Medical Insurance Cheras

Kurnia Group Hospital and Surgical Medical Insurance Ampang

Kurnia Group Hospital and Surgical Medical Insurance Kampung Pandan

Kurnia Group Hospital and Surgical Medical Insurance Pandan Jaya

Kurnia Group Hospital and Surgical Medical Insurance Pandan Perdana

Kurnia Group Hospital and Surgical Medical Insurance Pandan Indah

Kurnia Group Hospital and Surgical Medical Insurance Taman Cheras

Kurnia Group Hospital and Surgical Medical Insurance Taman Pertama Cheras

Kurnia Group Hospital and Surgical Medical Insurance Taman Segar Cheras

Kurnia Group Hospital and Surgical Medical Insurance Taman Midah

Kurnia Group Hospital and Surgical Medical Insurance Bandar Tun Razak

Kurnia Group Hospital and Surgical Medical Insurance Taman Billion

Kurnia Group Hospital and Surgical Medical Insurance Taman Mewah

Kurnia Group Hospital and Surgical Medical Insurance Balakong

Kurnia Group Hospital and Surgical Medical Insurance Bangsar

Kurnia Group Hospital and Surgical Medical Insurance Pantai Dalam

Kurnia Group Hospital and Surgical Medical Insurance Jalan Kelang Lama

Kurnia Group Hospital and Surgical Medical Insurance Kuchai Lama

Kurnia Group Hospital and Surgical Medical Insurance Sungai Besi

Kurnia Group Hospital and Surgical Medical Insurance Puchong

Kurnia Group Hospital and Surgical Medical Insurance Shah Alam

Kurnia Group Hospital and Surgical Medical Insurance PJ

Kurnia Group Hospital and Surgical Medical Insurance Petaling Jaya

Kurnia Group Hospital and Surgical Medical Insurance Seri Petaling

Kurnia Group Hospital and Surgical Medical Insurance Desa Petaling

Kurnia Group Hospital and Surgical Medical Insurance Subang

Kurnia Group Hospital and Surgical Medical Insurance USJ

Kurnia Group Hospital and Surgical Medical Insurance Damansara

Kurnia Group Hospital and Surgical Medical Insurance Kota Damansara

Kurnia Group Hospital and Surgical Medical Insurance Kepong

Kurnia Group Hospital and Surgical Medical Insurance Sungai Buluh

Kurnia Group Hospital and Surgical Medical Insurance Rawang

Kurnia Group Hospital and Surgical Medical Insurance Jalan Ipoh

Kurnia Group Hospital and Surgical Medical Insurance Selayang

Kurnia Group Hospital and Surgical Medical Insurance Gombak

Kurnia Group Hospital and Surgical Medical Insurance Wangsa Maju

Kurnia Group Hospital and Surgical Medical Insurance Setapak

Kurnia Group Hospital and Surgical Medical Insurance Kajang

Kurnia Group Hospital and Surgical Medical Insurance Sungai Long

Kurnia Group Hospital and Surgical Medical Insurance Mahkota Cheras

Kurnia Group Hospital and Surgical Medical Insurance Seri Kembangan

Kurnia Group Hospital and Surgical Medical Insurance Kajang

Kurnia Group Hospital and Surgical Medical Insurance KL

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Tokio Marine Group Hospital and Surgical Medical Insurance Kuala Lumpur Malaysia

Tokio Marine Group Hospital and Surgical Medical Insurance Kuala Lumpur

Tokio Marine Group Hospital and Surgical Medical Insurance Selangor

Tokio Marine Group Hospital and Surgical Medical Insurance Cheras

Tokio Marine Group Hospital and Surgical Medical Insurance Ampang

Tokio Marine Group Hospital and Surgical Medical Insurance Kampung Pandan

Tokio Marine Group Hospital and Surgical Medical Insurance Pandan Jaya

Tokio Marine Group Hospital and Surgical Medical Insurance Pandan Perdana

Tokio Marine Group Hospital and Surgical Medical Insurance Pandan Indah

Tokio Marine Group Hospital and Surgical Medical Insurance Taman Cheras

Tokio Marine Group Hospital and Surgical Medical Insurance Taman Pertama Cheras

Tokio Marine Group Hospital and Surgical Medical Insurance Taman Segar Cheras

Tokio Marine Group Hospital and Surgical Medical Insurance Taman Midah

Tokio Marine Group Hospital and Surgical Medical Insurance Bandar Tun Razak

Tokio Marine Group Hospital and Surgical Medical Insurance Taman Billion

Tokio Marine Group Hospital and Surgical Medical Insurance Taman Mewah

Tokio Marine Group Hospital and Surgical Medical Insurance Balakong

Tokio Marine Group Hospital and Surgical Medical Insurance Bangsar

Tokio Marine Group Hospital and Surgical Medical Insurance Pantai Dalam

Tokio Marine Group Hospital and Surgical Medical Insurance Jalan Kelang Lama

Tokio Marine Group Hospital and Surgical Medical Insurance Kuchai Lama

Tokio Marine Group Hospital and Surgical Medical Insurance Sungai Besi

Tokio Marine Group Hospital and Surgical Medical Insurance Puchong

Tokio Marine Group Hospital and Surgical Medical Insurance Shah Alam

Tokio Marine Group Hospital and Surgical Medical Insurance PJ

Tokio Marine Group Hospital and Surgical Medical Insurance Petaling Jaya

Tokio Marine Group Hospital and Surgical Medical Insurance Seri Petaling

Tokio Marine Group Hospital and Surgical Medical Insurance Desa Petaling

Tokio Marine Group Hospital and Surgical Medical Insurance Subang

Tokio Marine Group Hospital and Surgical Medical Insurance USJ

Tokio Marine Group Hospital and Surgical Medical Insurance Damansara

Tokio Marine Group Hospital and Surgical Medical Insurance Kota Damansara

Tokio Marine Group Hospital and Surgical Medical Insurance Kepong

Tokio Marine Group Hospital and Surgical Medical Insurance Sungai Buluh

Tokio Marine Group Hospital and Surgical Medical Insurance Rawang

Tokio Marine Group Hospital and Surgical Medical Insurance Jalan Ipoh

Tokio Marine Group Hospital and Surgical Medical Insurance Selayang

Tokio Marine Group Hospital and Surgical Medical Insurance Gombak

Tokio Marine Group Hospital and Surgical Medical Insurance Wangsa Maju

Tokio Marine Group Hospital and Surgical Medical Insurance Setapak

Tokio Marine Group Hospital and Surgical Medical Insurance Kajang

Tokio Marine Group Hospital and Surgical Medical Insurance Sungai Long

Tokio Marine Group Hospital and Surgical Medical Insurance Mahkota Cheras

Tokio Marine Group Hospital and Surgical Medical Insurance Seri Kembangan

Tokio Marine Group Hospital and Surgical Medical Insurance Kajang

Tokio Marine Group Hospital and Surgical Medical Insurance KL

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Pacific Group Hospital and Surgical Medical Insurance Kuala Lumpur Malaysia

Pacific Group Hospital and Surgical Medical Insurance Kuala Lumpur

Pacific Group Hospital and Surgical Medical Insurance Selangor

Pacific Group Hospital and Surgical Medical Insurance Cheras

Pacific Group Hospital and Surgical Medical Insurance Ampang

Pacific Group Hospital and Surgical Medical Insurance Kampung Pandan

Pacific Group Hospital and Surgical Medical Insurance Pandan Jaya

Pacific Group Hospital and Surgical Medical Insurance Pandan Perdana

Pacific Group Hospital and Surgical Medical Insurance Pandan Indah

Pacific Group Hospital and Surgical Medical Insurance Taman Cheras

Pacific Group Hospital and Surgical Medical Insurance Taman Pertama Cheras

Pacific Group Hospital and Surgical Medical Insurance Taman Segar Cheras

Pacific Group Hospital and Surgical Medical Insurance Taman Midah

Pacific Group Hospital and Surgical Medical Insurance Bandar Tun Razak

Pacific Group Hospital and Surgical Medical Insurance Taman Billion

Pacific Group Hospital and Surgical Medical Insurance Taman Mewah

Pacific Group Hospital and Surgical Medical Insurance Balakong

Pacific Group Hospital and Surgical Medical Insurance Bangsar

Pacific Group Hospital and Surgical Medical Insurance Pantai Dalam

Pacific Group Hospital and Surgical Medical Insurance Jalan Kelang Lama

Pacific Group Hospital and Surgical Medical Insurance Kuchai Lama

Pacific Group Hospital and Surgical Medical Insurance Sungai Besi

Pacific Group Hospital and Surgical Medical Insurance Puchong

Pacific Group Hospital and Surgical Medical Insurance Shah Alam

Pacific Group Hospital and Surgical Medical Insurance PJ

Pacific Group Hospital and Surgical Medical Insurance Petaling Jaya

Pacific Group Hospital and Surgical Medical Insurance Seri Petaling

Pacific Group Hospital and Surgical Medical Insurance Desa Petaling

Pacific Group Hospital and Surgical Medical Insurance Subang

Pacific Group Hospital and Surgical Medical Insurance USJ

Pacific Group Hospital and Surgical Medical Insurance Damansara

Pacific Group Hospital and Surgical Medical Insurance Kota Damansara

Pacific Group Hospital and Surgical Medical Insurance Kepong

Pacific Group Hospital and Surgical Medical Insurance Sungai Buluh

Pacific Group Hospital and Surgical Medical Insurance Rawang

Pacific Group Hospital and Surgical Medical Insurance Jalan Ipoh

Pacific Group Hospital and Surgical Medical Insurance Selayang

Pacific Group Hospital and Surgical Medical Insurance Gombak

Pacific Group Hospital and Surgical Medical Insurance Wangsa Maju

Pacific Group Hospital and Surgical Medical Insurance Setapak

Pacific Group Hospital and Surgical Medical Insurance Kajang

Pacific Group Hospital and Surgical Medical Insurance Sungai Long

Pacific Group Hospital and Surgical Medical Insurance Mahkota Cheras

Pacific Group Hospital and Surgical Medical Insurance Seri Kembangan

Pacific Group Hospital and Surgical Medical Insurance Kajang

Pacific Group Hospital and Surgical Medical Insurance KL

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Construction Insurance Kuala Lumpur Malaysia

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Construction Insurances Explained

– Contractors’ All Risks Insurance

Contractors’ All Risks Insurance

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. 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 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 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 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 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 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 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 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 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 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 coverage maybe granted or included within the CAR coverage of the CAR 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 insurance is taken out by the insuring party.

In addition the parties need to consider if the CAR 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 cover it may restrict or even remove the ability of the Employer to purchase any consequential loss coverage.

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Construction Insurances Explained

– 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.

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Construction Insurances Explained

– Existing Building Insurance

Existing Building Insurance

Where an existing building is to be the subject of Contract Works care is needed by those responsible for drawing up the contract conditions and those responsible for insuring the building. The insurance of new build contract is relatively straightforward compared to the difficulties that can arise when an existing building is being worked upon. Such a building will in most circumstances be insured under a commercial all risks property owners’ policy whilst occupied or temporarily unoccupied pending the works. There will be a number of conditions in that policy that will apply when works are being carried out and these should be examined. If the contract does not involve much of an increase in risk the current insurers may be happy to continue the cover without additional charge but it will require reasonable precautions to be taken. On the other hand if there is hot work involving welding equipment or blowtorches, they may require an additional premium and/or risk improvements. If there are to be structural alterations, particularly if they involve foundations, insurers may wish to reconsider the cover and, say, exclude subsidence occurring as a result of the works. The remaining subsidence risk may then be insured under a non-negligence policy at terms reflecting the insurance providers’ assessment of the revised risk. The specific action will depend on the particular circumstances and the attitude of the insurance provider. However, it is also possible that the current insurer will wish to exclude the cover altogether on the grounds that the building is now a construction risk and best insured under a construction policy. The problem with this is that the construction insurance market does not always have the capacity to insure a substantial building.

Contractors often seek to take out joint names insurance with the Employer in respect of the existing building as they wish to avoid taking out public liability insurance due to the high premiums for a large building. This is all very well if the Employer is also the insured under the policy and is prepared to pay any additional premium and/or to accept restrictions in cover and/or to pay for additional risk precautions during the contract period. Either way it should be made clear that this is at the Employer’s risk.

Problems start if the insurers of the building do not want to carry the additional risk. Alternatively the Employer may not control the buildings insurance and the landlord or freeholder that does may refuse to agree to joint names status for the Contractor. If either of these eventualities arises, a solution has to be found. There are solutions or partial solutions but they may be very expensive and still leave the Employer carrying some risk.

Where the Contract Works will include very little of the original building, perhaps just the exterior walls or the facade, it may be better to cover both the existing building and the contract works under the CAR policy with one sum insured. It should be cheaper and make settlement of any claims easier. A CAR policy is designed for construction works and the cover is drawn up to reflect the risks inherent in construction. There are elements of the cover that may make it beneficial to insure the existing building under such a policy,

The insurance providers for the existing building must be advised of the nature and extent of the Contract Works or the policy could be invalidated. However, it may be better to cover the existing building under an all-encompassing CAR policy, as mentioned above.

Where the Employer is undertaking to arrange a joint names cover on the existing building to protect the Contractor, he should make sure this is possible. If the Employer is a lessee or has not arranged the policy there could be problems that are both time-consuming and expensive for the Employer to resolve.

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Construction Insurances Explained

– Consequential Loss Insurance

Consequential Losses Insurance

Property Developers have to carry risks it is part and parcel of their business. The risk due to consequential losses on a construction site is a high one as there are so many factors that could delay completion and then so many headings under which additional expense or actual loss of anticipated income could arise. The measurement of each potential loss can be a problem and if not correctly assessed there may be underinsurance or an unnecessarily high premium being paid.

If any party involved with the construction will require consequential loss cover of any kind it is very unlikely that any insurer will be willing to assist unless it also provides the CAR insurances on the Contract Works. The reason for this lies with the fact that only by the insurer controlling the settlement of the material damage claim can the size of the consequential loss be minimised. Therefore, if the Contract Conditions call for the Contractor to arrange insurance on the works, it may be impossible for the Employer to arrange any consequential loss cover. The Employer will then have to arrange its own cover on the Contract Works in order to secure that consequential loss protection.

To avoid the possibility of the Employer effectively paying enhanced premiums for such Contract Works cover it is worthwhile making clear to the Contractor from the outset that the Employer is paying for its own cover, if this is the intention. The contract price quoted by the Contractor should then reflect this.

It is usually very difficult, if not impossible, to persuade the Contractor to reduce its price at a later date. In any case the Contractor may prefer to arrange its own cover on the Works so that he has control over any claims that may arise. This is understandable and the Contractor may also argue, possibly with some justification, that it can buy the CAR insurance more cheaply than the Employer. Faced with the problems of changing contract conditions, arranging cover on the works and, possibly, paying a higher premium for the privilege, any Employer could be forgiven for giving up the idea of arranging consequential loss cover.

It is not good practice to rely solely on liquidated damages instead. Apart from the fact that the Contractor may find it impossible to purchase insurance against liquidated damages, making recovery of a genuine loss uncertain, there is the possibility that the Contractor will be entitled to an extension of time under the Contract and will not be liable to pay any damages anyway. Properly arranged insurance for consequential losses will more accurately reflect the Employer’s loss than liquidated damages can and by arranging both CAR and consequential loss insurance with the same insurers there is the added advantage that the insurers will be looking for a quick resolution to any CAR claim in order to reduce the size of the consequential loss.

Under all the Standard Forms of Contract commonly used in Malaysia for construction works there exists clauses which make the Contractor obliged to compensate the Employer to the extent of liquidated and ascertained damages at the rate specified in the Contract. However, if the delay is due to certain relevant events an Extension of Time for completion of the Works will be given which will result in the Contractor not being obliged to pay any such damages.

Typically these relevant events would include:

A)  force majeure;

B)  exceptionally adverse weather conditions;

C)  loss or damage occasioned by any one or more of the specified perils (see below);

D)  civil commotion, local combination of workmen, strike or lock-out affecting any of the trades employed upon the works or any of the trades engaged in the preparation, manufacture or transportation of any of the goods or materials required for the works;

E)   terrorism.

Contract Conditions do vary and therefore the proposal that an extension of time may be available is not necessarily correct in every instance.

The specified perils are normally defined as: fire, lightning, explosion, storm, tempest, flood, bursting or overflowing of water tanks, apparatus or pipes, earthquake, aircraft and other aerial devices or articles dropped therefrom, riot and civil commotion, but excluding excepted risks. The excepted risks include, amongst other things, radioactivity and pressure waves.

Force majeure may be defined in the Contract however as all contract are normally executed and subject to the laws of Malaysia consideration should also be taken of the definition of force majeure contained within the Contracts Act and adopted by the Courts. For insurance purposes the principal force majeure perils include: fire and allied perils, strikes, lockouts, labour disputes, change of law, order of any court enforcing a change of law and any other cause beyond the control of the Contractor.

It was possible to buy commercially viable cover for the consequential losses flowing from late completion or permanent abandonment of a project following the occurrence of force majeure perils or restricted to limited specified peril but following some extremely large claims it is now very difficult to obtain such coverage at commercially viable rates.

Where an insurance policy makes reference to All-Risks of Specified Perils the coverage will almost certainly include not just those mentioned above but, in addition, malicious damage, impact, subsidence, landslip, heave and, possibly, other accidental damage. Again such insurance is getting harder and harder to obtain and even flood coverage is being limited after the events of 2011 in Thailand.

Where liquidated and ascertained damages can be applied due to any delay scenario, the reality of the impact upon the Employer’s financial position can often be beyond the level of liquidated and ascertained damages set during tender negotiations. Whilst every effort is made to set the level of damages at an appropriate level, the full consequences are not often appreciated until a loss is sustained. Equally, it can be the case that on smaller projects it is difficult to reach agreement with the Contractor involved for an appropriate level of damages. This is because, if set accurately, they may preclude the Contractor from undertaking the development or, alternatively, the imposition of such damages would adversely affect any tender amount submitted.

Consider the scenario where an Employer is constructing a commercial development and has entered into lease or purchase agreements with a tenant. It may not simply be the Employers loss in rental which needs to be considered but also the tenant’s losses which result from delays. The amount of such damages will depend greatly on the activities and circumstances of the tenant and the content of the Employers lease or purchase agreement with that tenant.

Unfortunately, Employer’s acting as developers often carry more risk than is necessary by failing to insure or insure adequately, even though insurance cover can be purchased. Employers should at least consider taking insurance coverage for the following potential risks:

1)   Loss of Rent/Revenue and Loss of Use of Sale Proceeds, including Assessment of Indemnity Period.

The loss of rental income/revenue income from use or the Employer being prevented from investing or using the proceeds of a sale are straight forward concepts even if their estimation may not be so. The indemnity period refers to the time limit imposed in a policy for which the Employer may claim losses as a result of event which allows the Employer to claim consequential losses. Thus Employers need to consider the period required to rebuild the project or how long it may take for the resale or re-letting following such rebuilding.

2)   Expediting Costs (Additional Cost of Working)

Cover for expediting costs relates to the additional costs in executing and repair or rebuilding works over and above any amount recoverable under the CAR insurance covering the Contract Works. The amount recoverable is generally limited to what is reasonable compared to the saving produced on the claim for losses due to delays in completion. In practice this means that insurers will be reluctant to pay for expenditure that did not produce at least a corresponding saving on another part of the claim.

3)   Costs Incurred in Raising or Extending Loans

The legal and other costs incurred in continuing existing loans or raising new ones as a result of delay by insured damage should also be covered. These may be included within the cover for lost rental income/revenue income or delays in repatriation of proceeds cover referred to above without the need for a separate sum insured.

4)   Additional Overhead Costs

A delay in completion of the Works may incur the Employer in additional costs involving marketing, leasing, selling and legal costs in the case of a developer or where the facility will be used to manufacture or operate a business there could be additional rental costs, redundant employee costs, no productive machinery costs and many other increased overheads.

5)   Higher cost of development finance

Many covers that are arranged which ignore the fact that development finance can cost more than finance secured against a completed project and that the level of borrowing which can be secured against a completed project is normally greater. The consequences of this are twofold. One being the increased cost of borrowing and secondly that more capital is tied up in the project for a longer period as a result of not being able to re-finance the loan against the completed project.

6)   Additional Increase in Cost of Working Cover

It had been addressed that generally the Employer will be limited to reasonable cost of expediting completion of the Works. It may be possible to obtain cover over and above this to further expedite the works by means of an additional item although sometimes the matter is dealt with by means of an extension to the cover with an inner limit. The ability to make a claim under expediting costs might give the Employer useful options in the event of a loss. For example, the ability to make extra payments to speed up completion may enable them to avoid losses in the future that would fall outside the indemnity period.

7)   Damage Away from the Site including Prevention of Access

Where CAR policies exclude coverage for losses that result from damage off site be it to the Contractors’ offices, materials or equipment stored off site, vehicles or plant in transit or whilst stored and damage to other phases of development It is prudent for the Employer to consider extending coverage and also insuring for such events as denial of access and/or failure of utilities.

8)   Damage at suppliers’ premises

Some CAR policies offer limited cover in respect of delays incurred following damage at the premises of suppliers of materials to be used in the Contract Works. The most serious losses are likely to occur if there is a delay in the arrival of crucial or bespoke supplies such as lifts, special equipment and the like. And the limits of cover normally fail to adequately protect the Employer. Accordingly it is prudent for the Employer to consider the purchased sufficient levels of cover for delays as a result of damage to all suppliers to the development not named on other policies although such insurance can be very expensive, especially where suppliers are importing goods from outside of Malaysia.

To summarise an Employer who is seeking Consequential Loss Insurance will be better off arranging the CAR Insurance for the Contract Works or alternatively an all-encompassing Project Insurance. Consequential Loss Insurance is a generally considered a more certain route to recovery of Employer costs than reliance solely on liquidated damages. Consequential Loss Insurance will be a more accurate reflection of the Employer’s loss risks than liquidated damages and finally in Malaysia the recovery of Liquidated damages from a Contractor still requires the Employer to prove his losses if challenged in the courts, thus regardless of the sum stated in the Contract this does not guarantee the amount will be recovered, which will be dependent upon the extent to which the Contractors is liable under the contract for the Employers costs.

In order for the Employer to secure adequate Consequential Loss Insurance at a competitive rate he should ensure that those responsible for arranging the policy have a full understanding of how the project is to be financed, the programming of the Works and the financial implications of any delay.

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Construction Insurances Explained

– Workmen Compensation Insurance

for Contractors, Builders & Other Construction Professionals

Construction and contracting professionals know all too well the risks of their industry. From on-the-job accidents to illnesses from handling hazardous materials, even the best-prepared carpenter can be the victim of unforeseen events.

If one of your subcontractors is hurt due to malfunctioning equipment or falls ill due to exposure to asbestos-containing materials (ACM), your construction and contracting business could be held responsible. Workers’ Compensation Insurance is the protection construction and contracting business owners rely on to cover the medical expenses related to an employee’s injury or illness or for the earnings the employee missed while recovering.

Read on to learn how you can protect your construction and contracting business and your employees from uncertainty with Workers’ Compensation Insurance.

Workers’ Compensation Insurance: Protecting Contractors

The dangers of operating industrial machinery, the exposure to potentially hazardous materials, and the toll of repetitive motion injuries are all risks contractors face daily. And while safety training and personal protective equipment are a necessary risk management tools, construction and contracting businesses know accidents happen all the time.

Workers’ Compensation Insurance helps offset some of the risks you can’t avoid by providing coverage that protects your construction and contracting business assets in the event of a costly lawsuit brought by an injured or ill employee. With an adequate policy, you know your construction and contracting business will have the necessary funds to cover court costs and settlements should unexpected accidents and lawsuits occur.

As a rule, Workers’ Compensation is currently necessary for all businesses with employees, though the laws vary from state to state. For example, North Dakota, Ohio, Washington, and Wyoming have monopolistic markets, which means the state sets rates and operates a state-administered fund of Workers’ Compensation Insurance. private employers can choose whether or not to carry Workers’ Compensation Insurance coverage.

How Construction & Contracting Professionals Benefit from Workers’ Compensation Insurance

While some contractors know this coverage as “workman’s comp” or “workers’ liability insurance,” Workers’ Compensation Insurance acts as a safety net for your construction and contracting business by covering the costs of…

Medical expenses relating to the employees’ on-the-job injuries and work-related illnesses. 

Wages your employee would have earned if they were able to perform their work. 

Legal fees should your employee file a lawsuit against your construction and contracting business for their work-related injury or illness.

Because on-the-job accidents can quickly lead to lawsuits, most Workers’ Compensation policies also include Employers’ Liability Insurance. If your injured or ill employee sues your company, this policy will help pay for the legal costs of defending against the claim.

And legal fees add up quickly. Between attorney’s fees and the time lost from work to attend court, your construction and contracting business could suffer a deep financial burden even if the court finds that your business is not responsible for the illness or injury.

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What is Contractors’ All Risks & Erection All Risks insurance?

These 2 policies are designed to meet the insurance obligation placed upon Contractors under the contract conditions.

  • Contractors’ All Risks
    Covers buildings and civil engineering works under construction
  • Erection All Risks
    Covers plants, machinery, equipment and steel structures like bridges in the course of erection

Key coverage

Here is an overview of your coverage

Contractors’ All Risks / Erection All Risks

  • Material Damage
    Covers against sudden and unforeseen physical loss or damage to contract or erection works/property/items  
  • Third Party Liability
    Covers third party liability for which we shall become legally liable to pay as damages consequent upon
  • Accidental bodily injury or illness of third party
  • Accidental loss or damage to property belonging to third party
    Occurring in direct connection with the works and happening at or in the immediate vicinity of the site.
    The indemnity is also provided for legal costs and expenses provided the liability is within the limit of liability insured.

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ACPG Management Sdn Bhd

Head Office

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

Jalan Jejaka, Taman Maluri, Cheras,

55100 Kuala Lumpur, Malaysia.

http://www.acpgconsultant.com

+603-92863323

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ACPG Management Sdn Bhd

Member of Malaysia JMB Insurance Organisation (JMBIM)

Head Office

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

Jalan Jejaka, Taman Maluri, Cheras,

55100 Kuala Lumpur, Malaysia.

http://www.acpgconsultant.com

+603-92863323

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AIG Strata Title JMB Insurance Pandan Indah

AIG Strata Title JMB Insurance Taman Cheras

AIG Strata Title JMB Insurance Taman Pertama Cheras

AIG Strata Title JMB Insurance Taman Segar Cheras

AIG Strata Title JMB Insurance Taman Midah

AIG Strata Title JMB Insurance Bandar Tun Razak

AIG Strata Title JMB Insurance Taman Billion

AIG Strata Title JMB Insurance Taman Mewah

AIG Strata Title JMB Insurance Balakong

AIG Strata Title JMB Insurance Bangsar

AIG Strata Title JMB Insurance Pantai Dalam

AIG Strata Title JMB Insurance Jalan Kelang Lama

AIG Strata Title JMB Insurance Kuchai Lama

AIG Strata Title JMB Insurance Sungai Besi

AIG Strata Title JMB Insurance Puchong

AIG Strata Title JMB Insurance Shah Alam

AIG Strata Title JMB Insurance PJ

AIG Strata Title JMB Insurance Petaling Jaya

AIG Strata Title JMB Insurance Seri Petaling

AIG Strata Title JMB Insurance Desa Petaling

AIG Strata Title JMB Insurance Subang

AIG Strata Title JMB Insurance USJ

AIG Strata Title JMB Insurance Damansara

AIG Strata Title JMB Insurance Kota Damansara

AIG Strata Title JMB Insurance Kepong

AIG Strata Title JMB Insurance Sungai Buluh

AIG Strata Title JMB Insurance Rawang

AIG Strata Title JMB Insurance Jalan Ipoh

AIG Strata Title JMB Insurance Selayang

AIG Strata Title JMB Insurance Gombak

AIG Strata Title JMB Insurance Wangsa Maju

AIG Strata Title JMB Insurance Setapak

AIG Strata Title JMB Insurance Kajang

AIG Strata Title JMB Insurance Sungai Long

AIG Strata Title JMB Insurance Mahkota Cheras

AIG Strata Title JMB Insurance Seri Kembangan

AIG Strata Title JMB Insurance Kajang

AIG Strata Title JMB Insurance KL

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AXA Strata Title JMB Insurance Kuala Lumpur Malaysia

AXA Strata Title JMB Insurance Kuala Lumpur

AXA Strata Title JMB Insurance Selangor

AXA Strata Title JMB Insurance Cheras

AXA Strata Title JMB Insurance Ampang

AXA Strata Title JMB Insurance Kampung Pandan

AXA Strata Title JMB Insurance Pandan Jaya

AXA Strata Title JMB Insurance Pandan Perdana

AXA Strata Title JMB Insurance Pandan Indah

AXA Strata Title JMB Insurance Taman Cheras

AXA Strata Title JMB Insurance Taman Pertama Cheras

AXA Strata Title JMB Insurance Taman Segar Cheras

AXA Strata Title JMB Insurance Taman Midah

AXA Strata Title JMB Insurance Bandar Tun Razak

AXA Strata Title JMB Insurance Taman Billion

AXA Strata Title JMB Insurance Taman Mewah

AXA Strata Title JMB Insurance Balakong

AXA Strata Title JMB Insurance Bangsar

AXA Strata Title JMB Insurance Pantai Dalam

AXA Strata Title JMB Insurance Jalan Kelang Lama

AXA Strata Title JMB Insurance Kuchai Lama

AXA Strata Title JMB Insurance Sungai Besi

AXA Strata Title JMB Insurance Puchong

AXA Strata Title JMB Insurance Shah Alam

AXA Strata Title JMB Insurance PJ

AXA Strata Title JMB Insurance Petaling Jaya

AXA Strata Title JMB Insurance Seri Petaling

AXA Strata Title JMB Insurance Desa Petaling

AXA Strata Title JMB Insurance Subang

AXA Strata Title JMB Insurance USJ

AXA Strata Title JMB Insurance Damansara

AXA Strata Title JMB Insurance Kota Damansara

AXA Strata Title JMB Insurance Kepong

AXA Strata Title JMB Insurance Sungai Buluh

AXA Strata Title JMB Insurance Rawang

AXA Strata Title JMB Insurance Jalan Ipoh

AXA Strata Title JMB Insurance Selayang

AXA Strata Title JMB Insurance Gombak

AXA Strata Title JMB Insurance Wangsa Maju

AXA Strata Title JMB Insurance Setapak

AXA Strata Title JMB Insurance Kajang

AXA Strata Title JMB Insurance Sungai Long

AXA Strata Title JMB Insurance Mahkota Cheras

AXA Strata Title JMB Insurance Seri Kembangan

AXA Strata Title JMB Insurance Kajang

AXA Strata Title JMB Insurance KL

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Allianz Strata Title JMB Insurance Kuala Lumpur Malaysia

Allianz Strata Title JMB Insurance Kuala Lumpur

Allianz Strata Title JMB Insurance Selangor

Allianz Strata Title JMB Insurance Cheras

Allianz Strata Title JMB Insurance Ampang

Allianz Strata Title JMB Insurance Kampung Pandan

Allianz Strata Title JMB Insurance Pandan Jaya

Allianz Strata Title JMB Insurance Pandan Perdana

Allianz Strata Title JMB Insurance Pandan Indah

Allianz Strata Title JMB Insurance Taman Cheras

Allianz Strata Title JMB Insurance Taman Pertama Cheras

Allianz Strata Title JMB Insurance Taman Segar Cheras

Allianz Strata Title JMB Insurance Taman Midah

Allianz Strata Title JMB Insurance Bandar Tun Razak

Allianz Strata Title JMB Insurance Taman Billion

Allianz Strata Title JMB Insurance Taman Mewah

Allianz Strata Title JMB Insurance Balakong

Allianz Strata Title JMB Insurance Bangsar

Allianz Strata Title JMB Insurance Pantai Dalam

Allianz Strata Title JMB Insurance Jalan Kelang Lama

Allianz Strata Title JMB Insurance Kuchai Lama

Allianz Strata Title JMB Insurance Sungai Besi

Allianz Strata Title JMB Insurance Puchong

Allianz Strata Title JMB Insurance Shah Alam

Allianz Strata Title JMB Insurance PJ

Allianz Strata Title JMB Insurance Petaling Jaya

Allianz Strata Title JMB Insurance Seri Petaling

Allianz Strata Title JMB Insurance Desa Petaling

Allianz Strata Title JMB Insurance Subang

Allianz Strata Title JMB Insurance USJ

Allianz Strata Title JMB Insurance Damansara

Allianz Strata Title JMB Insurance Kota Damansara

Allianz Strata Title JMB Insurance Kepong

Allianz Strata Title JMB Insurance Sungai Buluh

Allianz Strata Title JMB Insurance Rawang

Allianz Strata Title JMB Insurance Jalan Ipoh

Allianz Strata Title JMB Insurance Selayang

Allianz Strata Title JMB Insurance Gombak

Allianz Strata Title JMB Insurance Wangsa Maju

Allianz Strata Title JMB Insurance Setapak

Allianz Strata Title JMB Insurance Kajang

Allianz Strata Title JMB Insurance Sungai Long

Allianz Strata Title JMB Insurance Mahkota Cheras

Allianz Strata Title JMB Insurance Seri Kembangan

Allianz Strata Title JMB Insurance Kajang

Allianz Strata Title JMB Insurance KL

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MSIG Strata Title JMB Insurance Kuala Lumpur Malaysia

MSIG Strata Title JMB Insurance Kuala Lumpur

MSIG Strata Title JMB Insurance Selangor

MSIG Strata Title JMB Insurance Cheras

MSIG Strata Title JMB Insurance Ampang

MSIG Strata Title JMB Insurance Kampung Pandan

MSIG Strata Title JMB Insurance Pandan Jaya

MSIG Strata Title JMB Insurance Pandan Perdana

MSIG Strata Title JMB Insurance Pandan Indah

MSIG Strata Title JMB Insurance Taman Cheras

MSIG Strata Title JMB Insurance Taman Pertama Cheras

MSIG Strata Title JMB Insurance Taman Segar Cheras

MSIG Strata Title JMB Insurance Taman Midah

MSIG Strata Title JMB Insurance Bandar Tun Razak

MSIG Strata Title JMB Insurance Taman Billion

MSIG Strata Title JMB Insurance Taman Mewah

MSIG Strata Title JMB Insurance Balakong

MSIG Strata Title JMB Insurance Bangsar

MSIG Strata Title JMB Insurance Pantai Dalam

MSIG Strata Title JMB Insurance Jalan Kelang Lama

MSIG Strata Title JMB Insurance Kuchai Lama

MSIG Strata Title JMB Insurance Sungai Besi

MSIG Strata Title JMB Insurance Puchong

MSIG Strata Title JMB Insurance Shah Alam

MSIG Strata Title JMB Insurance PJ

MSIG Strata Title JMB Insurance Petaling Jaya

MSIG Strata Title JMB Insurance Seri Petaling

MSIG Strata Title JMB Insurance Desa Petaling

MSIG Strata Title JMB Insurance Subang

MSIG Strata Title JMB Insurance USJ

MSIG Strata Title JMB Insurance Damansara

MSIG Strata Title JMB Insurance Kota Damansara

MSIG Strata Title JMB Insurance Kepong

MSIG Strata Title JMB Insurance Sungai Buluh

MSIG Strata Title JMB Insurance Rawang

MSIG Strata Title JMB Insurance Jalan Ipoh

MSIG Strata Title JMB Insurance Selayang

MSIG Strata Title JMB Insurance Gombak

MSIG Strata Title JMB Insurance Wangsa Maju

MSIG Strata Title JMB Insurance Setapak

MSIG Strata Title JMB Insurance Kajang

MSIG Strata Title JMB Insurance Sungai Long

MSIG Strata Title JMB Insurance Mahkota Cheras

MSIG Strata Title JMB Insurance Seri Kembangan

MSIG Strata Title JMB Insurance Kajang

MSIG Strata Title JMB Insurance KL

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Lonpac Strata Title JMB Insurance Kuala Lumpur Malaysia

Lonpac Strata Title JMB Insurance Kuala Lumpur

Lonpac Strata Title JMB Insurance Selangor

Lonpac Strata Title JMB Insurance Cheras

Lonpac Strata Title JMB Insurance Ampang

Lonpac Strata Title JMB Insurance Kampung Pandan

Lonpac Strata Title JMB Insurance Pandan Jaya

Lonpac Strata Title JMB Insurance Pandan Perdana

Lonpac Strata Title JMB Insurance Pandan Indah

Lonpac Strata Title JMB Insurance Taman Cheras

Lonpac Strata Title JMB Insurance Taman Pertama Cheras

Lonpac Strata Title JMB Insurance Taman Segar Cheras

Lonpac Strata Title JMB Insurance Taman Midah

Lonpac Strata Title JMB Insurance Bandar Tun Razak

Lonpac Strata Title JMB Insurance Taman Billion

Lonpac Strata Title JMB Insurance Taman Mewah

Lonpac Strata Title JMB Insurance Balakong

Lonpac Strata Title JMB Insurance Bangsar

Lonpac Strata Title JMB Insurance Pantai Dalam

Lonpac Strata Title JMB Insurance Jalan Kelang Lama

Lonpac Strata Title JMB Insurance Kuchai Lama

Lonpac Strata Title JMB Insurance Sungai Besi

Lonpac Strata Title JMB Insurance Puchong

Lonpac Strata Title JMB Insurance Shah Alam

Lonpac Strata Title JMB Insurance PJ

Lonpac Strata Title JMB Insurance Petaling Jaya

Lonpac Strata Title JMB Insurance Seri Petaling

Lonpac Strata Title JMB Insurance Desa Petaling

Lonpac Strata Title JMB Insurance Subang

Lonpac Strata Title JMB Insurance USJ

Lonpac Strata Title JMB Insurance Damansara

Lonpac Strata Title JMB Insurance Kota Damansara

Lonpac Strata Title JMB Insurance Kepong

Lonpac Strata Title JMB Insurance Sungai Buluh

Lonpac Strata Title JMB Insurance Rawang

Lonpac Strata Title JMB Insurance Jalan Ipoh

Lonpac Strata Title JMB Insurance Selayang

Lonpac Strata Title JMB Insurance Gombak

Lonpac Strata Title JMB Insurance Wangsa Maju

Lonpac Strata Title JMB Insurance Setapak

Lonpac Strata Title JMB Insurance Kajang

Lonpac Strata Title JMB Insurance Sungai Long

Lonpac Strata Title JMB Insurance Mahkota Cheras

Lonpac Strata Title JMB Insurance Seri Kembangan

Lonpac Strata Title JMB Insurance Kajang

Lonpac Strata Title JMB Insurance KL

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Kurnia Strata Title JMB Insurance Kuala Lumpur Malaysia

Kurnia Strata Title JMB Insurance Kuala Lumpur

Kurnia Strata Title JMB Insurance Selangor

Kurnia Strata Title JMB Insurance Cheras

Kurnia Strata Title JMB Insurance Ampang

Kurnia Strata Title JMB Insurance Kampung Pandan

Kurnia Strata Title JMB Insurance Pandan Jaya

Kurnia Strata Title JMB Insurance Pandan Perdana

Kurnia Strata Title JMB Insurance Pandan Indah

Kurnia Strata Title JMB Insurance Taman Cheras

Kurnia Strata Title JMB Insurance Taman Pertama Cheras

Kurnia Strata Title JMB Insurance Taman Segar Cheras

Kurnia Strata Title JMB Insurance Taman Midah

Kurnia Strata Title JMB Insurance Bandar Tun Razak

Kurnia Strata Title JMB Insurance Taman Billion

Kurnia Strata Title JMB Insurance Taman Mewah

Kurnia Strata Title JMB Insurance Balakong

Kurnia Strata Title JMB Insurance Bangsar

Kurnia Strata Title JMB Insurance Pantai Dalam

Kurnia Strata Title JMB Insurance Jalan Kelang Lama

Kurnia Strata Title JMB Insurance Kuchai Lama

Kurnia Strata Title JMB Insurance Sungai Besi

Kurnia Strata Title JMB Insurance Puchong

Kurnia Strata Title JMB Insurance Shah Alam

Kurnia Strata Title JMB Insurance PJ

Kurnia Strata Title JMB Insurance Petaling Jaya

Kurnia Strata Title JMB Insurance Seri Petaling

Kurnia Strata Title JMB Insurance Desa Petaling

Kurnia Strata Title JMB Insurance Subang

Kurnia Strata Title JMB Insurance USJ

Kurnia Strata Title JMB Insurance Damansara

Kurnia Strata Title JMB Insurance Kota Damansara

Kurnia Strata Title JMB Insurance Kepong

Kurnia Strata Title JMB Insurance Sungai Buluh

Kurnia Strata Title JMB Insurance Rawang

Kurnia Strata Title JMB Insurance Jalan Ipoh

Kurnia Strata Title JMB Insurance Selayang

Kurnia Strata Title JMB Insurance Gombak

Kurnia Strata Title JMB Insurance Wangsa Maju

Kurnia Strata Title JMB Insurance Setapak

Kurnia Strata Title JMB Insurance Kajang

Kurnia Strata Title JMB Insurance Sungai Long

Kurnia Strata Title JMB Insurance Mahkota Cheras

Kurnia Strata Title JMB Insurance Seri Kembangan

Kurnia Strata Title JMB Insurance Kajang

Kurnia Strata Title JMB Insurance KL

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Tokio Marine Strata Title JMB Insurance Kuala Lumpur Malaysia

Tokio Marine Strata Title JMB Insurance Kuala Lumpur

Tokio Marine Strata Title JMB Insurance Selangor

Tokio Marine Strata Title JMB Insurance Cheras

Tokio Marine Strata Title JMB Insurance Ampang

Tokio Marine Strata Title JMB Insurance Kampung Pandan

Tokio Marine Strata Title JMB Insurance Pandan Jaya

Tokio Marine Strata Title JMB Insurance Pandan Perdana

Tokio Marine Strata Title JMB Insurance Pandan Indah

Tokio Marine Strata Title JMB Insurance Taman Cheras

Tokio Marine Strata Title JMB Insurance Taman Pertama Cheras

Tokio Marine Strata Title JMB Insurance Taman Segar Cheras

Tokio Marine Strata Title JMB Insurance Taman Midah

Tokio Marine Strata Title JMB Insurance Bandar Tun Razak

Tokio Marine Strata Title JMB Insurance Taman Billion

Tokio Marine Strata Title JMB Insurance Taman Mewah

Tokio Marine Strata Title JMB Insurance Balakong

Tokio Marine Strata Title JMB Insurance Bangsar

Tokio Marine Strata Title JMB Insurance Pantai Dalam

Tokio Marine Strata Title JMB Insurance Jalan Kelang Lama

Tokio Marine Strata Title JMB Insurance Kuchai Lama

Tokio Marine Strata Title JMB Insurance Sungai Besi

Tokio Marine Strata Title JMB Insurance Puchong

Tokio Marine Strata Title JMB Insurance Shah Alam

Tokio Marine Strata Title JMB Insurance PJ

Tokio Marine Strata Title JMB Insurance Petaling Jaya

Tokio Marine Strata Title JMB Insurance Seri Petaling

Tokio Marine Strata Title JMB Insurance Desa Petaling

Tokio Marine Strata Title JMB Insurance Subang

Tokio Marine Strata Title JMB Insurance USJ

Tokio Marine Strata Title JMB Insurance Damansara

Tokio Marine Strata Title JMB Insurance Kota Damansara

Tokio Marine Strata Title JMB Insurance Kepong

Tokio Marine Strata Title JMB Insurance Sungai Buluh

Tokio Marine Strata Title JMB Insurance Rawang

Tokio Marine Strata Title JMB Insurance Jalan Ipoh

Tokio Marine Strata Title JMB Insurance Selayang

Tokio Marine Strata Title JMB Insurance Gombak

Tokio Marine Strata Title JMB Insurance Wangsa Maju

Tokio Marine Strata Title JMB Insurance Setapak

Tokio Marine Strata Title JMB Insurance Kajang

Tokio Marine Strata Title JMB Insurance Sungai Long

Tokio Marine Strata Title JMB Insurance Mahkota Cheras

Tokio Marine Strata Title JMB Insurance Seri Kembangan

Tokio Marine Strata Title JMB Insurance Kajang

Tokio Marine Strata Title JMB Insurance KL

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Pacific Strata Title JMB Insurance Kuala Lumpur Malaysia

Pacific Strata Title JMBr Insurance Kuala Lumpur

Pacific Strata Title JMB Insurance Selangor

Pacific Strata Title JMB Insurance Cheras

Pacific Strata Title JMB Insurance Ampang

Pacific Strata Title JMB Insurance Kampung Pandan

Pacific Strata Title JMB Insurance Pandan Jaya

Pacific Strata Title JMB Insurance Pandan Perdana

Pacific Strata Title JMB Insurance Pandan Indah

Pacific Strata Title JMB Insurance Taman Cheras

Pacific Strata Title JMB Insurance Taman Pertama Cheras

Pacific Strata Title JMB Insurance Taman Segar Cheras

Pacific Strata Title JMB Insurance Taman Midah

Pacific Strata Title JMB Insurance Bandar Tun Razak

Pacific Strata Title JMB Insurance Taman Billion

Pacific Strata Title JMB Insurance Taman Mewah

Pacific Strata Title JMB Insurance Balakong

Pacific Strata Title JMB Insurance Bangsar

Pacific Strata Title JMB Insurance Pantai Dalam

Pacific Strata Title JMB Insurance Jalan Kelang Lama

Pacific Strata Title JMB Insurance Kuchai Lama

Pacific Strata Title JMB Insurance Sungai Besi

Pacific Strata Title JMB Insurance Puchong

Pacific Strata Title JMB Insurance Shah Alam

Pacific Strata Title JMB Insurance PJ

Pacific Strata Title JMB Insurance Petaling Jaya

Pacific Strata Title JMB Insurance Seri Petaling

Pacific Strata Title JMB Insurance Desa Petaling

Pacific Strata Title JMB Insurance Subang

Pacific Strata Title JMB Insurance USJ

Pacific Strata Title JMB Insurance Damansara

Pacific Strata Title JMB Insurance Kota Damansara

Pacific Strata Title JMB Insurance Kepong

Pacific Strata Title JMB Insurance Sungai Buluh

Pacific Strata Title JMB Insurance Rawang

Pacific Strata Title JMB Insurance Jalan Ipoh

Pacific Strata Title JMB Insurance Selayang

Pacific Strata Title JMB Insurance Gombak

Pacific Strata Title JMB Insurance Wangsa Maju

Pacific Strata Title JMB Insurance Setapak

Pacific Strata Title JMB Insurance Kajang

Pacific Strata Title JMB Insurance Sungai Long

Pacific Strata Title JMB Insurance Mahkota Cheras

Pacific Strata Title JMB Insurance Seri Kembangan

Pacific Strata Title JMB Insurance Kajang

Pacific Strata Title JMB Insurance KL