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Alpha Medi-Charge Cards Biz Ally > Jerneh Household Plus |
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This insurance protection is designed to provide a comprehensive cover for home contents, valuables whilst travelling and personal liability under one single policy. Proposal Forms >> Household Plus Scope of Cover (Subject to policy's exclusions, terms and conditions) The policy comprises three sections:- Section I Home Contents Under this section of the policy, all home contents including furniture, electrical products, paintings, work of art, jewellery, furnishings, clothes and the like, would be covered against the following perils/contingencies:- Fire, Explosion, Impact Damage Flood, Windstorm Subsidence & Landslip, Earthquake, Volcanic eruption Water Damage caused by bursting of water tanks or pipes Damage caused by falling trees Theft accompanied by actual forcible and violent entry Accidental damage Riot Strike and Malicious Damage Coverage under this section also includes the following:- Computer software for personal use (Limit RM1,000) Mountain bikes and bicycles (Limit RM500) Contents in refrigerator/chiller damaged due to change in temperature caused by defined perils/contingencies (Limit RM150) Cash/Coins (Limit RM500) Fire Department charges (Limit RM5,000) Damaged lock and key replacement due to insured loss (Limit RM500) Personal property in storage outside residence but within the compound (Limit RM1,000) Jewellery and watches (Limited to 1/3 the Total Sum Insured under Section I) · Silverware. Pewterware (Limit RM10,000) Section II 24 Hour Worldwide Cover For Personal Valuables (Optional Cover) Besides, the items insured while in the insured's home, this policy can also be extended to cover personal valuables which are either carried by the insured or worn on person, while travelling anywhere in the world. Items that can be covered under this section would include such items like jewellery, watches, cameras, laptops and the like. This would be a 24-hour cover. Maximum sum insured under this section: RM50,000 or 50% of the total sum insured on Section I, whichever is lower. Section III Personal Liability Insurance (Optional Cover) This section will cover the insured's legal liability for injury or property damage caused to a third party, as long as the incident occurs within Malaysia or within the insured's premises for claims arising from pet/s owned by the insured. Territorial Limit:- Within Malaysia |
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