Enquiries and Requests

Generally, it is a policy/certificate designed to cover the cost of private medical treatment, e.g. cost of hospitalization and healthcare services if you are diagnosed with covered illnesses or had an accident.

A MHIT policy/certificate contains certain exclusions e.g. pre-existing condition, specified illness and qualifying/waiting period, which your policy/takaful certificate will not cover. It is crucial that you are aware of what these are and if you don't understand them, please ask the intermediary you purchased your MHIT policy/certificate from such as your agent, broker and your approved financial adviser or insurance company/takaful operator.

Before you receive any treatment, where possible, you should call the intermediary you purchased your MHIT policy/certificate from such as your agent, broker and your approved financial adviser or insurance company/takaful operator to check whether the treatment is covered or if the hospital is the panel hospital. In fact, some insurance companies/takaful operator insist you to do this. Your insurer/takaful provider will give you all the guidance you need, confirm your coverage and, if necessary, send you a claim form as well as tell you how they pay the claims.

You should immediately inform your insurance company/takaful operator. Procure and act on proper medical advice and the insurer/takaful provider will reimbursing on the actual costs incurred subject to the limits of the policy/certificate.

The best MHIT plan for you is the one that gives you the flexibility and benefits that fits your needs at a price you can afford. As you would do when making any major purchase, you’ll need to shop around and get several quotes before choosing a plan that best fits your needs and affordability.

Some important tips when buying a MHIT policy/certificate include:

• Understand the product features, conditions, limitations, exclusions and benefits;
• Ensure coverage taken under the policy is suitable for your needs;
• Ensure you can afford the premium/contribution payable;
• Ensure you fully and faithfully declare all the facts that you know or ought to know; and
• Only buy from registered insurance/takaful agents or directly from the insurance company/takaful operator.

Guaranteed renewal means that the insurance company/takaful operator guarantees the renewal of the policy/certificate, subject to the terms and conditions specified. Nevertheless, the premium/contribution payable at the point of renewal, is not guaranteed nor fixed.

As soon as the application has been received and accepted by the insurance company/takaful operator and the premium/contribution duly paid.

It will be cancelled on policy anniversary or when the total benefits paid hasreached the lifetime limit, or when the total benefits paid in any particular year has reached the annual overall limit. It may also be cancelled if you have misrepresented a material fact, e.g. medical condition, during your application.

It will assist you to pay for the various hospitalisation and medical expenses that you will incur, if you become ill or injured. These expenses may include hospital room and board, professional and surgery fees, and medical supplies and services.

There may be many types of MHIT policies/certificates, however these are the four main types:

1. Insurance / Takaful hospitalisation and surgical;
2. Insurance / Takaful dread disease or critical illness;
3. Insurance / Takaful disability income; and
4. Insurance / Takaful hospital income.

For further details, please contact your insurance company/takaful operator.

The coverage depends on the type of policy/certificate that you buy. You are advised to read the terms and conditions of your policy/certificate carefully to understand the coverage and the exclusions.

You may get a MHIT coverage through:

1. A group insurance/takaful plan at workplace; or
2. Individual insurance/takaful plan that can be purchased on your own.

You can buy a MHIT policy/certificate directly from the insurance company/takaful operator, or through the insurance/takaful operator's agents or through approved financial advisers, approved Islamic financial advisers and approved insurance/takaful brokers (generally for group MHIT policies). You may refer to the insurer's or takaful operator's Complaints Unit here.

When you want to renew your policy/certificate, the insurance company/takaful operator may renew the policy/certificate with no change to premium/contribution; or with a new premium/contribution; or decline to renew the policy/certificate.

You may cancel your MHIT policy/certificate by giving a written notice to the insurance company/takaful operator and not be charged if cancellation is done within the free look period of 15 days. If cancellation is done after 15 days upon purchase, you may not be refunded the premium/contribution paid or you may receive only a partial refund of your premium/contribution paid.

It is important that you understand the terms used in a MHIT policy/certificate. If you have any doubts about the meanings of these terms, you should ask the intermediary, such as your agent, broker and your approved financial adviser or the insurance company/takaful operator from where you purchased your MHIT policy/certificate.

When you buy a motor vehicle, you need to buy a motor insurance policy/takaful certificate as required by the law. There are 4 types of coverage i.e. Act, Third Party, Third Party Fire and Theft and Comprehensive described as follows:

A motor insurance/takaful will not cover losses such as:

• Your own death or bodily injury due to a motor accident.
• Your liability against claims from passengers in your vehicle (except for taxis and buses).
• Theft of non-factory fitted vehicles accessories unless otherwise declared.
• Consequential loss, depreciation, wear/tear, mechanical/electrical breakdown failures or breakages; and
• Loss/damage arising from an act of nature, such as flood, storm and landslide.

However, you may pay additional premium/contribution to extend coverage.

Policy owner/takaful participant can extend their policy to cover flood, landslide, landslip, coverage to passengers and other coverage at an additional cost.

You should check on the market value of your vehicle, your sum insured, average clause, disclosures, list of approved repairers, no claim discount and excess imposed.

All this information is can be found in your insurance policy/takaful certificate, and you can ask your agent or contact directly your insurance company/takaful operator if you have any query. Please check your insurance policy/takaful certificate terms and conditions.

If your car is involved in an accident, you can make an own damage claim or third-party claim.

• Own Damage (OD) claim – If you are at fault, you can make a claim against your own comprehensive policy/certificate. However, you will lose your No Claim Discount (NCD) entitlement.
• Own Damage Knock for Knock (ODKFK) claim - If it is not your fault, you can make an ODKFK claim to your own insurance company/takaful operator without the NCD being affected (provided you have a comprehensive insurance policy, not involved in third-party bodily claim and does not involve public/government-owned vehicles) and hence, speeding up the process of repairing your own vehicle.
• Third Party Property Damage (TPPD) claim - If you are not at fault in the accident, you can submit the claims directly to the insurance company/takaful operator of the party at fault.
• If your vehicle has been stolen (theft claims) - If your vehicle is stolen, you can make a claim under a comprehensive policy or third party, fire and theft policy. However, this may exclude theft that arose due to your own negligence (e.g. leaving your vehicle or keys unattended).

Betterment

• Betterment is a charge that you will incur when new franchise parts are used to replace the damage parts for accident vehicles if your vehicle is aged 5 years and above. There is a specific rate applied on betterment according to the age of the vehicle. You may avoid incurring these additional charges by opting to use non-franchise parts such as second-hand parts to replace your vehicle’s damaged parts, if your vehicle is 5 years and above.

Compensation for actual repair time (CART)

• CART means an amount payable by third party insurance company/takaful operator as compensation for not being able to use your vehicle while it is being repaired. You can only claim for CART if you are not-at-fault in the accident, as determined by the police. The CART will be based on number of days required for your vehicle to be repaired as per the registered adjuster’s recommendation and not on the number of days the vehicle is at the workshop.

Possible reasons why a motor insurance/takaful claims can be rejected:

• Making dishonest or exaggerated claim;
• Failed to take reasonable precaution of the insured vehicle;
• Driving under the influence of alcohol or drugs; and
• Falls under policy exclusion.

1. Shop wisely before you buy – policy/certificate differs as to coverage, benefits and costs (i.e., premiums), and companies differ as to services.

2. Do not buy more than what you can afford.

3. Know whom you are dealing with –Deal only with licensed insurance companies/takaful operators and its agents or approved brokers or approved financial advisers i.e. obtain information on these parties before proceeding to purchase from them

4. Take your time and don't be pressured into buying a policy/certificate.

5. Complete the application form carefully and disclose all material facts in your application form fully, honestly and completely.

6. Please ensure payment is made to the insurance company/takaful operator and not to any other party – make sure to receive the original receipt.

7. Read the policy contract carefully.

8. The policy/certificate is a legitimate and legal contract by law.