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Golfer Insurance & Accident Insurance
Golfer Insurance Malaysia
GOLFER'S INSURANCE MALAYSIA
"Golf insurance will also cover for theft, loss or damage to your equipment"
The subject of discussion here today is: if you play golf regularly, you better think about purchasing golfer's insurance.
All sorts of accidents and mishaps can happen on a golf course, which include plenty of freak ones that one never thought possible.
Accidents that do happen however are not limited to only the player, but to his or her caddy, personal documents or property, the buggy in use, & bodily injury to members of the public.
There is one good thing however: some insurers will bestow a cash reward if you net a hole-in-one during competition, meaning you needn't the foot the clubhouse drinks or food bill.
We have all at some stage been required to shout "fore" to avoid disaster, having been totally oblivious to the financial consequences of our actions.
We no longer need to be inadequately covered as there are a host of insurance companies offering golfers suitable financial protection.
Golf insurance will also cover for theft, loss or damage to your equipment.
By way of the cover, you are financially protected if you severely damage property or seriously injure another person during competition or practice.
Buying golfer's insurance may also be a good time to find out whether your golf clubs are insured.
Ask if your clubs need to be a named product on your golfer's insurance and, what circumstances is it covered under?
It is important to find out more as these are the questions most of us leave out- ironic considering that most golf equipment goes missing in club car parks and in changing rooms compared to anywhere else.
Your golf clubs, nine times out of ten, will not be insured to cover loss or damage, so a visit to insurance companies should enlighten you more on golfer's insurance.
Buggies on the other hand, provide convenience that many golfers cannot do without. If handled improperly, these seemingly harmless vehicles can cause serious injury and accidents- both personally and to the course.
Besides straying eyes and collisions, another common golf-related accident is the failure of the buggy to come to a complete stop. Skidding occurs when one attempts to negotiate a sharp bend or when descending a slope.
There have even been occasions when a golfer on the passenger side tries to drive the buggy. All in all, one does not need a license to drive a buggy.
While such freak accidents are not life threatening, they can be (however slim the chance)- a fact, which golf course employees will concede.
Surprisingly, however, millions of us who trudge the fairways week in week out are doing so insufficiently covered.
With a nominal fee of as low as RM70, Kurnia's Golfer's Insurance provides the following coverage to golfers while playing and practicing golf:
Public Liability
Personal Accident
Fire, theft & accidental damage to golf equipment
Personal Documents
Hole-in-One
Accidental Damage to Buggy
Medical for Caddy
Remember, even though golf is a relatively relaxing game; do not take a relaxed attitude towards protecting yourself & others on the course.
Golfer's Insurance Malaysia
Underwritten by MSIG Insurance Malaysia Berhad
Arranged By ACPG Management Sdn Bhd
Your Trusted and Experience Malaysia Insurance Agency since year 1989.
ACPG careline : +603-92863323
Email : enquiry@acpgconsultant.com
www.acpgconsultant.com
Golf seems like a perfectly relaxing pastime,but accidents can happen out there on the course. It only takes an unexpected gust of
wind or a nasty hook or slice to send the ball the wrong way. What if the ball hits a person?
MSIG Golfer’s Insurance is a must for golfers.
It pays for loss or damage of golfing equipments and protects you with a personal accident cover, legal liability to third parties for bodily injury or damage to property, plus of course, a hole-in-one award.
GOLFER’S INSURANCE For the love of the game
GOLFER’S INSURANCE BENEFITS A TAG-LANCE
Section I – Liability to the Public
Accidental bodily injury or damage to the property of third party whilst Insured is playing golf within the boundary of the golf clubs or golf courses anywhere in Malaysia
and within the boundary of the golf clubs or golf courses elsewhere in the world during temporary visits.
All cost and expenses of litigation recovered by any claimant against the Insured.
All cost and expenses of litigation incurred, with the insurer written consent in respect of claims against the Insured.
Section II – Death or Injury to the Insured/Spouse/Children
• Accidental Death or Permanent Disablement whilst in the golf course.
• Insured, spouse and up to 4 children are entitled to the limit of the plan applied for.
Section III – Loss or Damage to your Golfing Equipment
• Loss or damage to golf equipment (including golf clubs, balls, bags, shoes, caddie cars/buggies) whilst in the golf clubs or golf courses anywhere in Malaysia and within the boundary of the golf clubs or golf courses elsewhere in the world during temporary visits.
• Maximum limit per club is RM1,000.
Section IV – Loss or Damage to your Personal Effects
• Indemnify Insured against loss or damage to personal effects whilst in the golf clubs or golf courses anywhere in Malaysia and within the boundary of the golf clubs or golf courses elsewhere in the world during temporary visits.
Section V – Hole-In-One Award and One Dozen Golf Balls
• Indemnify Insured for achieving a "hole-in-one” and also award one dozen golf balls whilst playing at the golf clubs or golf courses anywhere in Malaysia and within the boundary of the golf clubs or golf courses elsewhere in the world during temporary visits.
GENERAL EXCLUSIONS
Wear & tear or depreciation
War and related risks
Government Regulations or Acts or Authorities
Suicide, self-inflicted injury, or wilful exposure to peril
Loss or damage to watches, jewellery, glass, cameras, portable radio, securities, stamp, motor
vehicles & accessories
Acts of Terrorism.
ANSWERS TO YOUR FREQUENTLY ASKED QUESTIONS
1. What is the eligible age to enrol?
Between the ages of 18 to 69. For the benefits on the additional cover, the children must be between the ages between 12 to 23 years in full formal education. Children who are married or financially independent are not eligible for cover.
2. Am I covered if I practice in a Driving Range?
No, definition of Golf Clubs or Golf Course shall not include Driving Range.
3. What are the procedures for me to cancel my policy? What if the Company decides to cancel my
policy?
You may cancel the cover at any time by notifying us in writing. Any refund of premium is based on the pro-rata basis and depend on how long the cover has been in force and subject to the Company retaining a minimum premium of RM35.00 and whether any claims have been made. The Company may cancel this cover or any Section by sending seven (7) days’ notice by recorded delivery letter or registered letter to your last known address and the return of premium will depend on how long the cover has been in force and whether any claims have been made.
4. How do I make a claim?
Please provide a written notice to the Company with full details within seven (7) days upon receiving notice of or sustaining any accident, loss or damage. You may contact any MSIG Branch or your insurance adviser to obtain a copy of the claim form. Submit the completed claim form to the Company together with all relevant documents as soon as possible.
5. How do I enrol for the policy?
Just complete the attached proposal form and send it to us, or your insurance adviser.
6. How do I lodge a complaint if I am unhappy with the product or services?
If you have a complaint about our product or services, or you are not satisfied with the rejection or offer of any settlement of a claim, you should first try to resolve the complaint with our Customer Service Centre.
If you are still not satisfied with the decision, you can write either to the Customer Services Bureau of Bank Negara Malaysia or the Financial Mediation Bureau, free of charge.
Personal Accident (PA) Insurance Malaysia
Personal Accident Insurance
Insure yourself against any external incident that leads to
disability and death. We offer the best terms and clearest personal
insurance policies!
Personal Accident Insurance is a policy that financially
compensates the insured in case of death, bodily injuries, total/
partial disability or mutilation resulting from an accident caused by
violent, visible and external means that include rail, road and air
accident, injury due to collision or fall, burn injury and drowning etc.
Accident insurance protects your family and yourself from the financial
issues like loss of income, medical expenses that might arise from an
unforeseen accident.
What is covered under Personal Accident Insurance?
- Accidental Death: In case of an accidental death of the
policyholder, this policy offers financial compensation to the nominee
of the insured.
- Accidental Disability: It financially protects the insured against
loss of income because of any disability that might be a result of a
grave accident.
- Accidental Dismemberment: If the policyholder loses his/her any
limbs or eyes, etc in any accident, then he/she will be financially
compensated under Accidental Dismemberment policy.
Types of Personal Accident Insurance Policies
Individual Personal Accident Insurance Policy: This policy covers an individual in the event of any accident.
Group Personal Accident Insurance Policy:
This policy covers a group of people in the event of any accident. Such
a policy, which covers a whole group, can be bought for a family or by
an employer for all the employees of the company
Personal Accident Insurance Policy (PA)
Should You Have Personal Accident Cover?
Life can be cruel sometimes, and as much as we’d like to pretend otherwise, accidents do happen. Personal accident cover can protect you financially if you find yourself unable to work due to the in ...
juries sustained in an accident. Here’s what you need to know about personal accident cover.
What Is Personal Accident Cover?
This type of cover is often mixed up with accidental death cover (which pays a lump sum to your beneficiaries if an accident causes your death) but the two are actually quite different. Personal accident cover protects you if injuries sustained in an accident stop you from working, provided that the injuries are external and visible and have occurred as the direct result of an accident.
Most policies will pay up to 75% of your income, as long as you’re off work for longer than the minimum number of days specified in the policy. For most policies, you can choose for benefits to be paid for either one or two years, or right up until retirement, depending on the severity of the injury and how badly it affects your ability to work on a long-term basis.
Why You Need It
Accidents happen every day, and no matter how careful you are, you can’t guarantee that they won’t happen to you. Taking out personal accident cover can offer you valuable peace of mind if an unexpected injury means that you can’t go about your normal work.
Personal accident cover could prove to be particularly crucial if you’re self-employed and aren’t entitled to paid sick leave as it would most likely be your only option other than dipping into savings to keep you afloat.
What Isn’t Covered?
There will often be exclusions in terms of what is and isn’t covered by the policy. For example, injuries that are self-inflicted won’t usually be covered and some policies may exclude dental injuries. Sickness isn’t covered by a personal accident policy, so you’ll need to look at other types of cover if you want to be protected from inability to work due to sickness rather than an accident.
Personal accident insurance is often confused with accidental death insurance but the two types of insurance are actually quite different. While a personal accident policy pays benefits to protect against loss of income after an accident, an accidental death policy is similar to a life insurance policy, and pays a lump sum to dependents if you’re involved in a fatal accident.
If you’re worried about how you would survive financially if an accident left you unable to work for even a relatively short period of time, personal accident insurance is definitely something that you should strongly consider. This is particularly true if you’re self-employed and wouldn’t receive sickness benefits to tide you over until your return to work.
Even if you never need to claim, the reassurance that you won’t be forced into debt if accident-related injuries stop you from working can be invaluable, and there are tax benefits too. Look into all your options and compare policies carefully to get the best cover for you, at the best price.
Personal Accident
PA insurance is an annual policy, which provide compensation in the event of injuries, disability or death caused solely and independently due to accident.
The type of coverage that is normally provided under PA policy include:
- Accidental Death
- Permanent Disablement
- Temporary Total or Partial Disablement
- Medical Expenses
- Hospitalisation Benefits
- Funeral Expenses
- Weekly Indemnity
- Repatriation Benefits
Flexi PA
This Personal Accident plan offers you basic coverage - Accidental Death and Permanent Disablement and gives you the flexibility to select other optional benefits such as medical reimbursement, daily hospital income and weekly indemnity that you want according to your one need.
Benefits
-
Accidental Death Benefit
Pays the Principal Sum Insured in the event of accidental death.
-
Accidental Permanent Disablement
Pays up to the Principal Sum Insured due to accident as per schedule stated in the Table of Benefits for Death and Permanent Disablement.
-
Medical Reimbursement
This optional benefit will reimburse the insured as a result of an accident incurred within 52 weeks from the date of accident. This benefit will reimburse medical expenses inclusive of hospital room and board, clinical, outpatient, surgical treatment due to accident and also including the following:
- Medical Report / Post-mortem Fee - Reimburse up to RM150 per accident.
- Ambulance Fee - Pays up to RM500 consequent upon an accident.
- Malaria, Dengue or Japanese Encephalitis - Reimburse up to full amount of Medical Reimbursement benefit subject to maximum of plan chosen.
-
Weekly Indemnity
This optional benefit pays up to 52 weeks if the insured is totally or partially disabled and unable to attend work due to accident as certified by a registered medical practitioner.
- Temporary Total Disability - 100% of the benefit amount
- Temporary Partial Disability - 50% of the benefit amount
-
Daily Hospital Income
This optional benefit will pay a daily income up to 120 days in the event that the insured is hospitalized for more than 12 hours due to an accidental injury.
Underwriting
-
Applicant Age
18 and above
-
Insured Age
1 - 65 years old, renewable up to 75 years old
-
Mode of Payment
Annual Only
-
Occupational Class
Class 1 until Class 3
ACPG - Individual PA Insurance
Overview
Accidents can happen anytime, anywhere. Although you cannot prevent accidents, you can protect yourself and your family from the consequences. The ACPG Individual Personal Accident Plan is a 24-hour worldwide plan that will help you pay your day-to-day expenses and the additional bills caused by an accident. It will help you protect your family’s financial security at very affordable premiums.
Benefits
Accidental Death or Permanent Disablement
For the whole family (yourself and/or your spouse and/or your children), between the ages of 16 to 65 and renewable up to 70 years.
Wide Personal Accident Coverage including Riot, Strike, Civil Commotion and Hijacking.
Weekly Benefit for Temporary Total Disablement and Temporary Partial Disablement
Medical Expenses
Daily Hospital Income
Bereavement Allowance
Purchase of Orthopaedic Equipment
Personal Liability
Convalescence Allowance
RM5,000 per Insured Person for necessary alteration to dwelling or motor vehicle and any other medical aids.
Funeral, Cremation and Repatriation Expenses
Up to the amount of RM2,000 as a result of accidental death.
Ambulance Fees
Up to the amount of RM200 in the event of an accident.
General Exclusions
War and related risks.
Government Regulations or Acts of Authorities.
Hazardous sports including parachuting, hang gliding, mountaineering, any kind of race (other than on foot or swimming) or trial of speed or reliability.
Suicide, self-inflicted injury or illness.
Pregnancy, childbirth, physical or mental defect or infirmity.
AIDS, AIDS related complex (ARC) or sexually-transmitted diseases.
Drug abuse unless the drug is taken in accordance with an authorised medical prescription (but not for the treatment of drug addiction).
Air travel except as passenger in a fully licensed passenger carrying aircraft.
Any crew, trade or technical activity in connection with an aircraft.
Acts of terrorism.
Important Notes
The insurance shall not be effective unless the premium payable has been paid.
You are entitled to purchase cover for one Selected Plan of this Individual Personal Accident Insurance only.
The descriptions of cover are a brief summary for quick and easy reference. The precise terms and conditions that apply are in the Policy Document.
You can request to view the actual insurer insurance policy before you sign up.
In the event of a conflict between the English and the translated versions of this brochure, the English version shall prevail.
ACPG - Sports PA Insurance
Overview
If you enjoy sports in the fast lane, if you take your favourite pastime to the extreme, if living life on the edge is your priority, you may find it difficult to purchase insurance protection for your active lifestyle. The ACPG Sports Personal Accident Insurance is different from other Personal Accident insurance. It gives you free rein to enjoy the adrenaline rush while providing you with the protection you need.
Benefits
Accidental Death or Permanent Disablement
Up to RM100,000 in the event of an accident
Double Indemnity for Permanent Total Disablement
Up to RM200,000 in the event of an accident
Convalescence Allowance
Medical Expenses
Personal Liability
Loss or Damage to Sports Equipment
Loss or Damage to Personal Effects
Search and Rescue Expenses
Free referral service with Sports PA Insurance
Call ACPG careline at +603-9286 3323.
* Note: This is a free referral service and does not cover the actual cost (e.g. hospitalisation) incurred.
General Exclusions
War and related risks.
Government Regulations or Acts of Authorities.
Participating in any sport on a professional basis, racing involving the use of mechanically powered driven vehicles and/or craft or trial of speed or reliability.
Suicide, self-inflicted injury or wilful exposure to peril (other than in an attempt to save a human life).
Pregnancy, childbirth, physical or mental defect or infirmity.
AIDS, AIDS related complex (ARC) or sexually-transmitted diseases.
Drug abuse unless the drug is taken in accordance with an authorised medical prescription (but not for the treatment of drug addiction).
Air travel except as passenger in a fully licensed passenger carrying aircraft.
Any crew, trade or technical activity in connection with an aircraft.
Acts of terrorism.
Important Notes
The insurance shall not be effective unless the premium payable has been paid.
You are entitled to purchase cover for one Selected Plan of this Sports Personal Accident Insurance only.
The description of cover is a brief summary for quick and easy reference.
The precise terms and conditions that apply are in the Policy Document.
You can request to view the actual insurer insurance policy before you sign up.
Group Personal Accident
Group Personal Accident is a policy that provide a group of people with 24 hours protection against accidental injury resulting from work, sports, leisure, domestic and other activities carried out anywhere in the world.
Benefits
-
Death Benefit
A total of Accidental Sum Assured will be paid in the event of Accidental Death of the insured.
-
Permanent Disablement
Upon disability due to an accident, an amount of up to total Accidental Sum Assured is payable depending on the percentage as written in the Table of Benefits.
-
Funeral Allowance
An amount of 10% of the Accidental Sum Assured or RM 2,000 whichever is lower, is payable to the beneficiary for funeral and cremation expenses.
-
Temporary Total and Partial Disablement
A weekly benefit amounting to the amount specified is payable in the event the insured is totally or partially disabled and unable to attend to all duties pertaining to his/her usual occupation or business.
-
Accidental Hospital Income
A weekly benefit amounting to the amount specifies is payable up to a maximum of 104 weeks in the event the insured is hospitalised for treatment of accidental injuries.
-
Travelling Allowance
A specific amount is payable to the insured's immediate family members for travelling expenses to and from the hospital.
-
Accidental Medical Expenses
Necessary and reasonable medical expenses incurred for treatment of injuries resulting from an accident will be reimbursed according to the specific limit per accident.
Underwriting
Mode of Payment
Occupational Class
Group Discount
| No. of Person |
Discount |
| 5 to 10 person |
5% |
| 11 to 20 person |
10% |
| 21 to 30 person |
15% |
| 31 to 50 person |
20% |
| 51 and above |
Negotiable |
GROUP PA
Introduction
This class of insurance is designed to provide benefits in the event of death of the insured person and / or permanent/ temporary disablement suffered as a result of accident. Cover may be extended to include medical expenses and hospital income.
This coverage is sold to group of people with an organization with a minimum number of 6 people and above.
The advantage for this class of insurance, it allow the organization to change the insured with the validity of the insurance.
Group Life Insurance
To attract the top talent in your industry, you need top-drawer benefits. At Zurich, we share your motivation to succeed and we will work with your business to deliver solutions for the long-term.Group Life Insurance products are designed to cater the needs of every organisation whether it is small, medium or large. Also known as an Employees Benefits (EB) scheme, we are committed to create a tailored plan that suits your organisation’s culture and needs.
You may customise the following benefits to suit your organisation’s need:
| Group Life Products |
Description |
| Group Term Life (GTL) |
Covers Death and Total Permanent Disability (TPD) for either all or natural causes. |
| Group Personal Accident (GPA) |
Covers Death and Total Permanent Disability (TPD) for accidental causes. Also included in GPA is Partial Permanent Disability (PPD). |
| Group Dread Diseases (GDD) |
Coverage for 36 Dread Diseases. |
| Group Hospitalisation and Surgical (GHS) |
Benefits for hospitalisation and surgical facilities. |
ACPG MANAGEMENT SDN BHD
We (ACPG), provided all classes of insurance services more than 23 years in Malaysia (since year 1989).
We (ACPG) One of The Largest General Insurance (Individual & Commercial Insurance) Solution Service Provider in Malaysia.
Any enquiry, email to enquiry@acpgconsultant.com or Call our Careline : +603-9286 3323.
