Tokio Marine Motor Insurance Cheras Kuala Lumpur Malaysia

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.

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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)

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