Tokio Marine Motor Insurance Cheras Kuala Lumpur Malaysia

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How To Renew Tokio Marine Motor Insurance ?

Renew Road Tax and Renewal Tokio Marine Motor Insurance Policy

Service Provide By

ACPG Management Sdn Bhd (Insurance Biz since Year 1989)

Head Office

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

Jalan Jejaka, Taman Maluri, Cheras,

55100 Kuala Lumpur, Malaysia.

http://www.acpgconsultant.com

+603-92863323 , +6011-12239838

Tokio Marine Motor Insurance Cheras

What is the ACPG Insurer Comprehensive Private Vehicle all about?

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

What are the optional benefits offered?

Some of the optional benefits offered are as follows:

Breakage of glass in windscreen, window or sunroof

Legal Liability to Passengers

Strike, riot and civil commotion

Current year NCD relief

Vehicle accessories

How much premium do I have to pay?

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

What are the major exclusions under this policy?

This policy does not cover certain losses such as,:

Your own death or bodily injury due to a motor accident

Your liability against claims from passengers in your vehicle

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

TOKIO MARINE Audi Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Bentley Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE BMW Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Citroen Motor Insurance Cheras Kuala Lumpur

TOKIO MARINE Ferrari Motor Insurance Cheras Kuala Lumpur

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Bentley TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

BMW TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

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Permit A Commercial TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

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Special Type Commercial TOKIO MARINE Motor Insurance Cheras Kuala Lumpur

MYEG Online Road Tax Motor Insurance Cheras Kuala Lumpur

MYEG Tokio Marine Motor Insurance renewal Policy

MYEG Tokio Marine Car Insurance renewal Policy

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Allianz Motor Insurance Cheras Kuala Lumpur Malaysia

allianz-myeg-motor-ins-pic-160929a

How To Renew Allianz Motor Insurance ?

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

Allianz Motor Insurance Cheras

Arranged By

ACPG Management Sdn Bhd

www.acpgconsultant.com

 

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

Allianz Car Insurance Features and Benefits

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

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

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

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

24-hour emergency towing

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

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

Additional benefits applicable on payment of additional premium

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

 

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

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

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

Car replacement option in certain cases subject to terms and conditions

Compassionate cover for customers of the Enhanced Road Warrior additional cover

Legal liability of third party up to RM2,000

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

Types of vehicles eligible for cover under the Allianz Car Insurance

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

 

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

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

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

Allianz Car Insurance Schemes

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

 

Motor Comprehensive Cover

Motor Third-party Cover

Motor Third-party Fire and Theft Cover

Enhanced Road Warrior

Road Warrior

Allianz Motorcyclist PA

Bike Warrior

 

Factors that affect Allianz car insurance premium calculation

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

 

Type of insurance cover

Use of vehicle, commercial or private

Carrying capacity of the vehicle

Age of the car

Sum Assured

No. of authorized drivers registered

Extended coverage feature

 

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

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

 

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

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

Roadside Assistance and Emergency Hotline – 1800886278

 

Allianz Car Insurance FAQs

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

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

 

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

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

 

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

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

 

Does the age of my car affect the premium payment?

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

 

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

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

 

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

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

 

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

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

 

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Tunku Abdul Rahman University College Overseas Leadership Training Programme by ACPG  Management Sdn Bhd

​21 October 2016 Friday

ACPG Management Sdn Bhd (ACPG) 

Corporate News.

ACPG CEO and Founder Mr Anthony Chin invited by TAR University College to participate in “Business Person Interview” Session as their Practice Instructor for TAR University College Oversea Corporate Training Programme for ANA Airport Services Co., Ltd., Japan on 21 October 2016 (Friday)  at the TAR UC Kuala Lumpur Main Campus. 

Japan – ANA Airport Services Co., Ltd. send their  ANA staff to TAR UC for their Global Leadership Training Programme. 

The objective of this training programme leading by ACPG Founder Mr Anthony Chin and his team members helping ANA Airport Services Co., Ltd. to train and motivate ANA staff to work in oversea as the company had plan to grow their business in global market and get the right connection industry partner in Malaysia and understand the Malaysia insurance & economic market trend on current and future along their training programme.

Social Security Protection (Socso) Provider By SOCIAL SECURITY ORGANISATION (Perkeso) Shared By Malaysia Medical Insurance Organization (MMI)

socso-01

Social Security Protection (Socso)

Provider By

SOCIAL SECURITY ORGANISATION (Perkeso)

Shared By

Malaysia Medical Insurance Organization (MMI)

+603-92863323

EMPLOYMENT INJURY SCHEME BENEFITS

(Updated 25 October 2016)

1) MEDICAL BENEFIT [ + ]

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

2) TEMPORARY DISABLEMENT BENEFIT [ + ]

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

3) PERMANENT DISABLEMENT BENEFIT [ + ]

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

4) CONSTANCE-ATTENDANCE ALLOWANCE [ + ]

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

5) FACILITIES FOR PHYSICAL OR VOCATIONAL REHABILITATION [ + ]

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

6) RETURN TO WORK PROGRAMME [ + ]

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

7) DEPENDANTS’ BENEFIT [ + ]

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

8) FUNERAL BENEFIT [ + ]

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

9) EDUCATION BENEFIT [ + ]

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

socso 03.jpg

MEDICAL BENEFIT

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

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

Medical treatment at SOCSO Panel Clinics

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

Borang Butiran Notis dan Tuntutan Faedah – Form 34

Letter of identity from employer

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

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

The employee had an accident during the course of work

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

Reimbursement of Medical Claims

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

Claims need to be supported with the following documents:

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

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

Original receipts

A copy of the Appointment Card

A copy of the medical report (if needed)

TEMPORARY DISABLEMENT BENEFIT

Period Of Temporary Disablement

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

Eligibility

Employee must be an insured person under the Act

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

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

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

Rate Of Temporary Disablement Benefit

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

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

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

The daily rate is subject to the following:

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

ii. Maximum of RM105.33 per day

Documents To Be Submitted For Claims

‘Borang Butiran Notis dan Tuntutan Faedah’ – Form 34

Photocopy Of Identity Card (both sides)

Original Medical Certificate / Form 13 (Panel Clinic)

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

Letter Of Consent for obtaining medical report from Hospital.

PERMANENT DISABLEMENT BENEFIT

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

Determining the Question of Permanent Disablement

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

Medical Board

Specialist Medical Board (for Occupational Disease)

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

Application to refer to Medical Board

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

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

Employer

Registered Trade Union representative

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

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

a. Last date of temporary disability

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

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

References To Appellate Medical Board

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

Assessment And Payment

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

1) If the assessment does not exceed 20%

Payment can be made in the form of lump sum.

2) If the assessment exceeds 20%

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

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

Rate Of Payment

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

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

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

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

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

Maximum RM118.50 per day

How To Claim

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

Application letter

Photocopy Of Identification Card

Latest Medical Report

CONSTANT-ATTENDANCE ALLOWANCE

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

Eligibility

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

Rate Of Payment

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

FACILITIES FOR PHYSICAL OR VOCATIONAL REHABILITATION

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

1. Physical rehabilitation includes:

Return To Work programme

Occupational therapy

Reconstructive surgery

Artificial limbs and prosthetics

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

Return To Work Programme

Physiotherapy

2. Vocational rehabilitation includes:

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

Return To Work programme

RETURN TO WORK PROGRAMME (RTW)

INTRODUCTION

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

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

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

RETURN TO WORK OBJECTIVE

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

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

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

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

To reduce disability duration

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

BENEFITS TO EMPLOYER

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

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

To reduce training and hiring costs of temporary workers

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

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

BENEFITS TO EMPLOYEES

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

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

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

REFERRAL PROCESS

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

Insured Person with employment injury and is receiving temporary disablement benefits

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

Program by the medical board

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

Program by the medical board

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

DEPENDANTS’ BENEFIT

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

Eligibility

Employees must be an insured person under the Act

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

Dependants as prescribed under the Act as stated below:-

Widow Or Widower, child;

If there are no widow or widower, child

a. Brothers or sisters

b. Parents

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

Note :

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

Biological child

Step child under the care of the Insured Person

Legally adopted child of the Insured Person

Biological child out of wedlock

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

Rate Of Payment

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

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

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

Daily rate of Dependants Benefit is subject to :-

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

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

Dependants And Daily Rate

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

Please refer as below

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

Documents To Be Submitted For Claims

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

Borang Butiran Notis dan Tuntutan Faedah – Borang 34

Insured Person’s Death Certificate

A copy of the Insured Person’s Identification Card

Others document :

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

Marriage Registration or Solemnising Certificate (Sijil Nikah)

A copy of the widow or widower’s Identification Card

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

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

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

A copy of the Insured Person’s birth certificate

A copy of the parent’s Identification Card

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

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

FUNERAL BENEFIT

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

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

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

ii. widower

iii. eldest son

iv. eldest daughter

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

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

Documents To Be Submitted For Claims

Claimant must submit the following documents:

Borang Butiran Notis dan Notis Tuntutan Faedah – Borang 34

A copy of the funeral permit / Death Certificate

A copy of the Insured Person’s Identification Card

A copy of the claimant’s Identification Card

EDUCATION BENEFIT

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

A. APPLICANT REQUIREMENTS TO QUALIFY [ + ]

B. EDUCATION BENEFIT FUNDING DETAILS [ + ]

C. HOW TO APPLY EDUCATION LOAN [ + ]

D. EDUCATION LOAN ALLOCATION [ + ]

E. EDUCATION BENEFIT AGREEMENT DOCUMENTS [ + ]

F. LOAN DISBURSEMENT METHODS [ + ]

G. EDUCATION LOAN REPAYMENT INSTALLMENT [ + ]

H. CHANNELS TO PAY THE EDUCATION BENEFIT [ + ]

Service Charge SOCSO Education Loan

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

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

For more information, please logo on link as below

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

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

The official Website of

SOCIAL SECURITY ORGANISATION

“Sikap Terbuka Layanan Mesra”

Customer Service : 1-300-22-8000

General Line : 03 – 4264 5000

Fax : 03 – 4256 7798

E-mail : perkeso@perkeso.gov.my

Shared By Malaysia Medical Insurance Organization (MMI)

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Ad Sharing

Your Trusted Malaysia Medical Insurance Risk Management Advisory Provider.

Malaysia Medical Insurance Organization (MMI)

Head Office,

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

JALAN JEJAKA, TAMAN MALURI,CHERAS,

55100 KUALA LUMPUR, MALAYSIA.

MMI careline +603-92863323

mmicare@medicalinsurance.com.my

www.medicalinsurance.com.my

Group Hospitalisation And Surgical Fees & Group Employees Medical Insurance Policy

Arranged by

Malaysia Medical Insurance Organization (MMI)

www.medicalinsurance.com.my

mmicare@medicalinsurance.com.my

+603-92863323

Group Hospitalisation And Surgical Fees & Group Employees Medical Insurance

Group Hospital & Surgical Insurance

– No Co Insurance

– Guarantee Renewal up to Age 100

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

– 24 Hours Worldwide Coverage

– Hassle Free Cash Less Hospital Admission

– High Coverage As Charged or Full Reimbursement

– Hospital Supplies & Services

– Physician Fees & Specialist Visit Fees

– Surgical Fees / Anaesthetist Fees

– Operating Theatre

– Intensive Care Unit (ICU)

– Pre-Hospital Diagnostic Tests

– Pre-Hospital Specialist Consultation

– Post Hospitalisation Treatment

– Ambulance Fees

– Prescription Drugs

– Out Patient Accidental Treatment & Pysiotheropy Treatment

– Nursing, Theatre Consumables & Other Ancillary Charges

– Insured Child’s Daily Guardian Benefits

– Out Patient Kidney Dialysis Treatment

– Out Patient Cancer Treatment

– Home Nursing Care

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

– International Emergency Medical Assistance Services

– Comprehensive Coverage & Complete Medical Care Benefits

– Inpatient & Day Surgery

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Event Public Liability Insurance Malaysia

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Event Public Liability insurance Malaysia

Arranged By

ACPG Management Sdn Bhd

www.acpgconsultant.com

+603-92863323

Event liability insurance

For special events, you can’t plan for everything.

Markel’s event liability insurance provides coverage for damages for which you are responsible if there is an accident at your event that causes injury or property damage.

Event liability insurance provides the following primary coverage:

Bodily injury and property damage liability.

Additional insured? Never an additional charge. Many venues now require event liability insurance. Generally, the venue will be named as “additional insured” on the certificate of insurance.

Business and corporate event insurance

ACPG insurers also offers liability coverage for your business and corporate events*. Examples of some of the business events we cover include:

Business dinner

Business meeting

Corporate private party

Fundraiser dinner

Non-profit function

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What is Public Liability insurance?

Covers your legal liability to third party as a result of an accident happening during the period of cover in connection with your business operations and occurring within the territorial scope.

Key coverage

Here is an overview of your coverage

Public Liability Insurance

Public Liability Insurance

You are covered for

All sums which you shall become legally liable to pay compensation in respect of

Bodily injury (including illness) to any person(s)

Loss of or damage to property

All cost and expenses of legal action

Recovered by any claimant against you

Incurred with our written consent

How much is my premium?

Your premium may vary, depending on

Indemnity limit

Any extensions to the basic cover

Our insurers underwriting requirements

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 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

Special Events Insurance.

Multimedia Risk provides cost effective insurance solutions for your Special Event in Malaysia.

Contact us early in the event organizing stage for your event. We will then work with you and advise you on insurance arrangements and also make suggestions regarding certain considerations that could reduce risk therefore lower your premium.

As event organizers, there are numerous things that could compromise or even cause the cancellation of the project you have injected so much time and energy into. These ‘occurrences’ could be anything from the venue you had booked being shut down to your key speaker being stuck at an airport in another city.

Special Event Insurance provides short-term liability coverage for organizations or individuals hosting events such as:

Art Exhibits

Bazaars

Carnivals

Concerts

Country Events

Cultural Events

Fairs

Festivals

Fireworks Display

Parades

Street Fairs

Trade Shows/Conferences

Legal Liability Exposures for Special Events

As an occupier of premises, you and your organization are responsible for the safety of those attending the event. Occupiers must protect patrons from all foreseeable harm.

Some instances where extra precautions should be considered:

Alcohol is served.

Children/minors are in attendance.

Dangerous/hazardous activities are undertaken such as fireworks, boating, and some sports.

Gambling is involved.

Large crowds are in attendance.

Applicable permits should always be obtained from your municipal/provincial government to reduce liability relating to violations involving permits. Health requirements should also be followed.

Contact your principal, building management or related state government department for more information regarding your responsibilities regarding special events.

The types of liability often covered for Special Events include:

General Liability

Automobile Liability and Physical Damage

Third Party Property Damage

Rented Equipment, Props, Sets and Wardrobe

Participants & Spectators Medical

Malaysia Liability Insurance

Liability insurance also known as Commercial insurance protects you in the event you are sued for claims that come within the coverage of your liability insurance policy.

Types of Liability Insurance:

PUBLIC LIABILITY INSURANCE

This type of insurance would cover a business if a customer or member of the public was to suffer a loss or injury as a result of its business activities, and if that person made a claim for compensation. The insurance would cover the compensation payment plus any legal expenses.

PRODUCT LIABILITY INSURANCE

Product liability insurance covers the cost of compensating anyone who is injured by a faulty product that your business designs, manufactures or supplies.

PROFESSIONAL INDEMNITY INSURANCE

This policy is a form of liability insurance that helps protect professional advice and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit.

DIRECTORS AND OFFICERS LIABILITY INSURANCE

This policy is a liability insurance payable to the directors and officers of a company, or to the organization(s) itself, as indemnification (reimbursement) for losses or advancement of defense costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers. Such coverage can extend to defense costs arising out of criminal and regulatory investigations/trials as well; in fact, often civil and criminal actions are brought against directors/officers simultaneously.

WORKMEN’S COMPENSATION INSURANCE

This policy cover the employer in respect of the statutory liability under the Workmen’s Compensation Law(s) as well as at Common Law to the employees who are generally not covered under SOCSO.

This policy indemnifies the employer against all sums for which the employer shall be liable to pay compensation to any employee for personal injury sustained by accidents or occupational diseases arising out of and in the course of this employment under the Acts.

FOREIGN WORKERS’ COMPENSATION SCHEME

Employers who are employing foreign workers must comply with the statutory requirement under Section 26(2) of the Amended Act 1996 of Workmen’s Compensation Act 1952 to purchase this insurance to protect their foreign workers

This policy indemnifies the employer under the Act in respect of compensation for employment injury as well as non-employment injury sustained by your foreign workers.

FOREIGN WORKERS HOSPITALIZATION AND SURGICAL INSURANCE SCHEME

The Foreign Workers Hospitalization and Surgical Insurance Scheme (FWHS) or better known as SKHPPA is specially designed in view of increasing Hospital and Surgical charges and to reduce financial burden of the Employers of foreign workers in the event of hospital admission of their foreign workers due to accident or illness. Coverage is required before work permit is issued by Immigration Department for both new and renewal applications.

EMPLOYERS’ LIABILITY INSURANCE

This policy covers the employer because the employer may be at risk of being sued by those employees who are not protected by Workmen’s Compensation Acts or SOCSO.

This policy indemnifies the employer against liability at law to pay compensation and cost and expenses to your employees in respect of accidental bodily injury or disease arising out of or in the course of employment. The standard Common Law limit is RM1,000,000 any one accident and in the aggregate.

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

enquiry@acpgconsultant.com

+603-92863323, +6011-12239838

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Contractor All Risk Insurance, Erection All Risk Insurance, Public Liability Insurance, Workmen Compensation Insurance arranged by ACPG Management Sdn Bhd

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Engineering Insurance Malaysia

Construction Insurance Malaysia

Contractors’ All Risks Insurance Malaysia

Erection All Risks Insurance Malaysia

Public Liability Insurance Malaysia

Workmen Compensation Insurance Malaysia

Foreign Worker Insurance Malaysia

Arranged By

ACPG Management Sdn Bhd

+603-92863323, +6011-12239838

Construction Insurance Malaysia

A proven leader in the construction industry, ACPG Insurers delivers integrated property & casualty and specialized insurance solutions which are tailored to construction risks from:

Residential and Commercial Projects

Civil Engineering Projects such as pipelines, dams, roads and rail

Power and Energy Projects of all sizes

Petrochemical and Industrial plants

Our unique industry practice group provides clients with a comprehensive spectrum of products including Project Cargo, Casualty, Surety, Environmental and Project Professional Indemnity.

Whether you’re a Principal, Property Developer, Main Contractor, we will work collaboratively with you and your broker to help develop seamless and effective risk management solutions.

OUR STRENGTHS

By working with ACPG Insurers Construction Industry Practice, you will benefit from our strengths which encompass:

Local knowledge backed by global capability

Comprehensive suite of services

Experienced underwriting team

Dedicated Construction Risk Engineers

Superior Claims Handling and Administration

Consultative approach to loss prevention and mitigation

Tailor-made programs backed by client-centric service

Broad coverage

Long-term focus on client relationships

PRODUCT RANGE

ACPG Insurers Construction Industry Practice offers a range of products and services including:

Contract Works

Delay in Start Up

General Liability

Umbrella/Excess Casualty Covers

Project Professional Liability

Environmental Pollution Liability

Contract Surety

Construction Risk Management Services

Marine Cargo including DSU

Directors & Officers Liability

Terrorism

Construction All Risks – Builder Risk

Contractors, property developers and principals will all benefit from this insurance, which provides both single risk project cover and annual polices. It is available on a standalone basis but can also be packaged with excess casualty (GL), employers’ liability or environmental impairment liability.

PRODUCT HIGHLIGHTS

ACPG Insurers have a strong track record of leading the insurance of large and complicated project contracts

ACPG Insurers are recognised technical expertise in the sector

Our expertise in claims handling and investigation is widely acknowledged

ACPG Insurers seek to develop long-term relationships with clients

COVER

Our standard cover includes contract materials and/or works.

Cover can be extended to include:

Contractors’ plant and equipment

Delay in start up

Non-negligent liabilities

Public liability

Construction All Risks – Civil Engineering

This insurance provides contractors involved in hydro projects, motorways, railways and pipelines with annual cover or single risk project cover.

PRODUCT HIGHLIGHTS

ACPG Insurers have a strong track record of leading the insurance of large and complicated project contracts

ACPG Insurers are recognised technical expertise in the sector

ACPG Insurers seek to develop long-term relationships with clients

COVER

Our standard cover includes:

Consequences of design

Extended maintenance

Natural catastrophes

Property damage only

Primary third party liability

Cover can be extended to include:

Delay in start up

Full design

Erection all Risks

ACPG Insurers Erection All Risks (EAR) insurance includes the erection and installation of electrical or mechanical plant and machinery.

It’s ideal for mechanical and electrical contractors looking for annual contract cover or developers, manufacturers, power and energy companies involved in large and complex installations.

Our target areas include construction of power plants, oil and gas facilities and other heavy industries such as steel, aluminium and cement, as well as traditional light engineering projects such as bottling plants and pharmaceuticals.

PRODUCT HIGHLIGHTS

Experience in writing many types of risks from standard installation contracts to large scale power and energy plants

A strong track record of leading the insurance of large and complex project contracts

The capacity to cover contracts in many overseas territories

Highly experienced risk engineers who can assist in risk management and risk reduction, as well as ensure that standards are maintained during the erection and installation works to help reduce losses

COVER

Our standard EAR cover is for the erection and / or installation of electrical or mechanical plant and machinery globally.

It can also cover losses during the testing and commissioning prior to hand-over and damage during the contractual maintenance period.

Cover can be provided for movement and re-erection of machinery along with testing, commissioning and maintenance of installed machinery.

An ‘all-risks’ cover that includes breakdown and explosion during testing and commissioning.

Available on contracts overseas subject to some territorial and environmental peril limitations.

The standard insurance offers cover for defective design under the wording and damage to installed equipment during maintenance visits. This can be extended to give wider defective design cover and either extended or ‘full’ or guarantee maintenance.

Comprehensive General Liability (CGL) Insurance

To meet the needs of casualty insurance clients it takes underwriting skill, risk engineering expertise and superior claims handling. These are key strengths of ACPG Insurers.

ACPG Insurers has a broad appetite for risk and provides public and product liability to medium, large, and multinational businesses on a domestic and international basis.

BENEFITS

Flexible policies which can be tailored to client needs

Highly experienced and dedicated casualty underwriters

Cover is available for North American exports and domiciled companies

Casualty Engineers with specialist expertise

Multinational capabilities

Proven global claims handling capabilities

Foreign Workers Insurance

Employees are a company’s greatest asset therefore it is essential for an employer to get their employees protected.

Being one of the approved panel insurance companies to provide foreign workers insurance, ACPG Insurers has three products designed to provide financial relief for the employer in the event of death, hospitalization or repatriation of their foreign workers.

Foreign Workers Compensation Scheme (FWCS)

As provided under Section 26(2) of the Workmen’s Compensation Act 1952, it is mandatory for every employer to insure all their foreign workers employed by the company under the Foreign Workers Compensation Scheme (FWCS).

ACPG Insurers is one of the panel insurance companies appointed and approved by the Ministry of Human Resources to underwrite FWCS. The scheme provides foreign workers with personal accident and repatriation benefits during and outside of working hours.

COVERAGE

Foreign workers who are under the employment of the insured company will enjoy coverage that include

Death and disability due to an accident

Disease arising out of and in the course of employment

Medical expenses

Repatriation expenses

Foreign Workers Hospitalization & Surgical Scheme (FWHS)

Effective 1 January 2011, all foreign workers in Malaysia are required to purchase a RM120 premium per year

Foreign Workers Hospitalization & Surgical Scheme (FWCS) that provides RM20,000 annual coverage.

ACPG Insurers is one of the panel insurance companies appointed and approved by the Ministry of Health (MOH) to underwrite the FWHS.

BENEFITS

Under the insurance policy, foreign workers will enjoy benefits that include

Daily hospital and room board of up to a maximum of 30 days

Intensive care unit (ICU) of up to a maximum of 15 days

Operating theatre fees

Surgical fees

Anaesthetist fees

In-hospital physician visits of up to a maximum of 30 days

In-hospital specialist consultation visits of up to a maximum of 30 days

Ambulance fees

Medical report fees

Foreign Workers Insurance Guarantee (FWIG)

Foreign Workers Insurance Guarantee (FWIG) is a guarantee required by the Immigration Department from the employer as a security deposit for the employment of foreign workers (excluding Domestic Maid) under Regulation 21 of the Immigration Regulations.

This insurance serves as a guarantee to the Immigration Department to cover the repatriation expenses in the event the foreign worker is required by the authorities to be sent back to his/her country of origin during his/her course of stay in Malaysia.

The circumstances could arise from:-

Breach of Immigration Act

Foreign worker is caught involving in illegal and illicit activities such as drug, immoral work, etc.

Employer goes into liquidation and is unable to provide the return passage for the foreign worker

Engineering Insurance Malaysia

Protect your business against unforeseen events or disruption. Select from our range of commercial insurance products to protect your business, goods, employees, etc. Our team of knowledgeable, experienced and dedicated staff is always on hand to provide insurance solutions for all your business needs.

Contractors’ All Risks insurance Malaysia

Contractors’ All Risks insurance is designed to provide coverage for all parties involved in a construction project.

There are usually two main groups of named insured. They are the Principal and the Contractor(s). The Principal is the party who commissions the work. The principal will usually be the party who owns the building when completed. The contractor is responsible for the planning and execution of the contract works. Where nominated sub-contractors or other sub-contractors are engaged, they can be included under the policy.

There are two sections in this Policy:

Section I: Material Damage

This Section provides cover for loss or damage to the contract works caused by any unforeseen and sudden physical loss or damage from any cause, other than those specifically excluded.

Section II: Third Party Liability

This Section provides indemnity for the insured’s legal liability for accidental bodily injury or property damage to third parties occurring in direct connection with the contract works.

For more sophisticated operations, you would require a specially customised insurance program that offers maximum protection and flexibility. We ACPG team of professional staff is well versed to provide you with all the necessary guidance and advice.

Erection All Risks Insurance Malaysia

Erection All Risks Insurance is designed to provide coverage for the installation and erection of ready-built engineering projects such as machinery, equipment or other fittings in factories.

There are two sections to this Policy:

Section I: Material Damage

This Section provides cover for loss or damage to the contract works caused by any unforeseen and sudden physical loss or damage from any cause, other than those specifically excluded.

Section II: Third Party Liability

This Section provides indemnity for the insured’s legal liability for accidental bodily injury or property damage to third parties occurring in direct connection with the erection works.

For more sophisticated operations, you would require a specially customised insurance program that offers maximum protection and flexibility.

Our team of professional staff is well versed to provide you with all the necessary guidance and advice.

Public Liability Insurance Malaysia

With increasing awareness of consumers, enterprises are exposed to a myriad of legal liabilities arising from accidents due to acts of negligence of its employees or representatives in the course of business.

Business prudence requires that protection against such contingents cannot be compromised.

With Public Liability insurance, you have the assurance that compensation for claims from third parties for injury or damage to their property including claimants’ costs are taken care of.

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Commercial and Business Insurance

Arranged By

ACPG Management Sdn Bhd

Business Insurance

Commercial All Risks

Commercial Motor Vehicles

Equipment All Risks

Fidelity Guarantee

Group Hospitalization

Group Personal Accident

Money

Office and Shop Insurance Scheme (OASIS)

Plate Glass

Engineering

Boiler & Pressure Vessel

Contractors’ All Risks

Deterioration of Stock

Electronic Equipment

Erection All Risks

Machinery Breakdown

Machinery Breakdown – Loss of Profits

Machinery & Equipment

Storage Tank Installation

Foreign Worker Insurance

Foreign Worker Insurance Guarantee

Foreign Worker Compensation Scheme (FWCS)

Foreign Worker Hospitalization & Surgical Insurance Scheme (SKHPPA)

Liability

Comprehensive General Liability

Directors & Officers Liability

Products Liability

Professional Indemnity

Public Liability

Warehousemen’s Liability

Marine

Bailee Liability

Credit Insurance

Marine Hull

Marine Inland Transit

Workmen

Employer’s Liability

Workmen’s Compensation

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

enquiry@acpgconsultant.com

+603-92863323, +6011-12239838

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