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What is No Claim Discount (NCD)?
The No Claim Discount (NCD) is a reward scheme received by motor policy holders for not making a claim during the preceding 12 months.
How much of No Claim Discount (NCD) am I entitled to?
Consumers are eligible for NCD ranging from 0% to 55% of the premium payable depending on the type of vehicle, coverage and number of years claim not intimated. For a private car, the scale of NCD ranges from 0% to 55% as provided in the policy/certificate whereas for motorcycles and commercial vehicles, it ranges from 0% to 25%.
Find out the current insurer for your vehicle, type of coverage, policy period and policy number by entering your details
ACPG Insurance Business since Year 1989
Stay protected while studying overseas until you graduate
Student Assist is an insurance plan that protects and gives you peace of mind to pursue your educational aspirations when you go overseas to study at a recognized education institution.
We'll reimburse you for the non-refundable portion of your tuition fees paid in advance, in the event of study interruption due for specific reasons.
Medical & personal accident cover
You'll be reimbursed for medical expenses incurred due to accidental injury or illness sustained when studying overseas.
We provide you financial security in the event of accidental death of your sponsor (the individual who sponsors your study overseas).
Our own global assistance service
A fast and efficient 24-hour Emergency Assistance Team is available to assist you in the event of injury following an accident or if you are ill and require hospital attention abroad.
AIG Malaysia Student Oversea Study Abroad Travel Insurance
DESCRIPTION OF COVERAGE
1.Medical & Accidental Dental Expenses You will be reimbursed for medical and dental expenses incurred which are medically necessary due to accidental injury or illness sustained during your duration of cover.
For the avoidance of doubt, dental expenses shall only be reimbursed for conditions caused by accident only.
2.Emergency Medical Evacuation/Repatriation of Mortal Remains In the event that you suffer from an illness/accident which in the opinion of Travel Guard, necessitates your emergency medical evacuation to Malaysia, Travel Guard will arrange for your evacuation and pay for reasonable expenses incurred.
In the unfortunate event of your death during your studies overseas, this plan will arrange and pay for all reasonable covered expenses incurred to return your remains to Malaysia.
a) If you are hospitalized for 5 or more consecutive days and your medical condition does not allow your medical evacuation and no other adult member of your immediate family is present, this plan provides a round trip economy class air ticket, meals, communication and accommodation expenses to allow one of your immediate family members to travel to the country where you are to be with you.
b) It covers your trip back to Malaysia in the event that your parent, spouse or child in Malaysia suffers death or is hospitalized for more than 5 consecutive days.
4.Accidental Death & Permanent Disablement We provide worldwide coverage against accidental death or permanent disablement during your duration of coverage, or on vacation anywhere in the world including Malaysia up to 60 days as long as the policy is still in force.
5.Felonious Assault You will be covered in the event you suffer injury resulting in permanent total disablement or death due to robbery, attempted robbery or criminal act of violence. This is paid in addition to the accidental death and disablement coverage benefits.
6.Sponsor Protection Provides financial security to you in the event of accidental death of the individual who sponsors your study overseas (such sponsor must be your parents and/or guardians and must be named in the proposal form and certificate of insurance).
7.Study Interruption The plan will reimburse you for the non refundable tuition fee which you paid in advance, should any of the following events take place:- • Accident or sickness leading to your hospitalization for 14 days or more • Terminal illness • Emergency medical evacuation • Death of one of your immediate family members
8.Travel Delay A cash allowance will be paid if your scheduled common carrier is delayed for more than 6 consecutive hours.
9.Baggage Damage During Air Common Carrier Travel A cash allowance will be paid if your accompanying check-in baggage in an air common carrier is damaged to the extent that is no longer useable up to the amount specified in the Schedule of Benefits.
10.Damage or Loss of Personal Effects In the event of accidental loss or damage to your personal effects due to robbery, burglary, snatch theft or negligence of the common carrier, you will be indemnified for loss or damaged sustained up to the amount stated in the Schedule of Benefits.
11.Loss of Travel Documents A cash allowance will be paid in the event you lose your passport/visa due to burglary, robbery or snatch theft, for the replacement of your passport/visa, additional transport, meals, communication and accommodation expenses as a result of the loss.
12.Loss of Money Pays for loss of money due to burglary, robbery or snatch theft during your duration of coverage up to the amount specified in the Schedule of Benefits.
13.Personal Liability Covers you against your legal liability for bodily injury or property damages caused to a third party.
14.24 Hours Worldwide Travel Assistance Travel Guard shall provide the following services for the benefit of the Insured Person. These services are provided by multilingual travel assistance coordinators via telephone and such assistance provided shall not include the costs incurred to solicit these services.
A.Emergency Assistance Services
a) Medical reference
b) Advance payment of Medical Expenses
c) Emergency Medical Evacuation
d) Repatriation of Mortal Remains
a) L ost/stolen baggage and personal effects
b) Recover, locate and replacement of travel documents
c) L egal Referral
C.Pre-Trip General Services
a) Advice on procuring Travel documentation
b) Advice on immunizations, epidemics and available preventive measures
c) Information on Political/Environment warning
d) Information on currency exchange rate, location of major banks and public holidays
e) Information on weather condition The above stated travel assistance services shall be provided by Travel Guard and the Company shall use its best endeavours to ensure that Travel Guard shall use every effort to provide the services save and except for circumstances beyond its control.
What is this product about?
This policy provides compensation for students studying overseas in the event of injuries, disability or death caused solely by violent, accidental, external and visible events, emergency evacuation and repatriation, travel inconvenience benefits, study interruption due to unforeseen circumstances arising such as death of parent or guardian who is financing your study.
You will have immediate access to 24-hour worldwide assistance in case of an emergency situation when you are abroad.
This cover can be purchased by a student who will be studying overseas at a registered and accredited educational institution for higher learning.
What are the covers/benefits provided?
Please refer to the schedule of benefits in the brochure.
Duration of cover ranges from 6 months, 1 year to 3 years selection. You need to renew your annual insurance cover annually.
How much premium do I have to pay?
• Please refer to the premium table in the brochure.
• Premium is payable based on period of study.
• Payment can be made by credit card.
AIG Malaysia Student Oversea Study Abroad Travel Insurance Online Purchase
ACPG Purchase Hotline +6011-12239838
ACPG Management Sd Bhd
158-3-7, Kompleks Maluri,
Jalan Jejaka, Taman Maluri,
55100 Kuala Lumpur, Malaysia.