FRAUDULENT CHARGE

COVER
 AIG Malaysia Insurance Berhad (795492-W)
Menara Worldwide, 198, Jalan Bukit Bintang, 55100 Kuala Lumpur, Malaysia
Telephone 1800 88 8811 Facsimile 603 2685 4896

PRODUCT DISCLOSURE SHEET Product: AIG Fraudulent Charge Cover

Date: <current date>

Be sure to read the policy wordings.

1. What is this insurance about?

This insurance provides 24 hours worldwide coverage against any monetary loss incurred by you as a result of
unauthorized charges incurred on your lost or stolen Visa credit or debit card or unauthorized charges are incurred
on your bank or credit account through ATM withdrawal, in-store or online purchases using your Visa credit or debit
card information.

This insurance is exclusively available to Visa credit or debit cardholders who have spent more than RM220 in a
single transaction on www.shopee.com with their Visa credit or debit card, whose details have been declared to us
by Visa Worldwide Pte. Limited, and for whom premium has been received by us from Visa Worldwide Pte. Limited.

2. What is the benefit provided?

Subject to the per occurrence and annual aggregate limits,

If your Visa credit or debit card is lost or stolen, we will reimburse you for the unauthorized charges, for which you
are responsible, up to 24 hours prior to your first reporting of the event to the issuer.

If your Visa credit or debit card is still in your possession but its information is used illegally or without your
authorization to make unauthorized charges on your bank account and/or credit account through: (i) in-store, (ii)
telephone, (iii) ATM withdrawals, and/or (iv) on-line purchase(s), we will reimburse you for the unauthorized
charges, for which you are responsible, up to 60 days prior to your first reporting of the event to the issuer or your
issuer has notified you of such an event (whichever occurs first).

Our liability under this cover is limited to a maximum of three (3) claims per Insured Person per Policy
Period.

Limit Per Occurrence Annual Aggregate Limit

Up to RM 1,000 Up to RM 3,000

Please refer to the policy contract for more details.

3. How much premium, fees, and charges do I have to pay?

This insurance is complimentary from Visa Worldwide Pte. Limited and no premium will be payable by you.

4. What are some of the key terms and conditions that I should be aware of?
(a) Duties after a Loss: In the event of a covered loss, you must
i) Contact us within 24 hours of your discovery of a loss, to obtain a claim form and instructions on what to do
after a loss;
ii) File a police report within 24 hours of discovering a theft, unauthorized charges or ATM withdrawals;
iii) Report the theft or loss of your Visa credit or debit card to the financial institutions, bank account issuers or
credit account issuers, within 24 hours of discovering such theft or loss;
iv) To the extent your Visa credit or debit card was not lost or stolen, report the unauthorized charges, or ATM
withdrawals, to the financial institution(s), bank account issuers or credit account issuers, and to us, within 24
hours of your discovery of a loss;
v) Complete, sign and return the claim form to us with the following documents, within 30 days of making the
original claim:
o documentation from the financial institution(s) verifying the unauthorized charges for which you are
held responsible;
1

Copyright © AIG Malaysia Insurance Berhad. All rights reserved.

GPI/FRAUDULENTCHARGE_VISA/PDSV2_03/10/2018
 AIG Malaysia Insurance Berhad (795492-W)
Menara Worldwide, 198, Jalan Bukit Bintang, 55100 Kuala Lumpur, Malaysia
Telephone 1800 88 8811 Facsimile 603 2685 4896

o an official police report regarding the loss; and

o all other relevant documents we may ask you to provide;
at your own expense; and
Cooperate with us in investigating, evaluating and settling a claim.
(b) To enjoy cover, you must be an individual ordinarily resident in Malaysia and you must be 18 years of age and
above and below 65 years of age.
(c) You must comply with all terms and conditions by which your Visa credit or debit card is/are issued.
(d) We will only pay for unauthorized charges for which you are responsible under the terms and conditions of your
Visa credit or debit card.
(e) You must submit evidence to us that unauthorized charges were made from your bank account or credit
account.
(f) Your account must be valid and in good standing for coverage to apply. Benefits will not be paid if, on the date of
occurrence, on the date of claim filing, or on the date of would-be claim payment, your account is in delinquency,
collection, or cancellation status.
(g) Coverage will be voided, whether before or after the loss, if you willfully concealed or misrepresented any
material fact or circumstance concerning this insurance or provided fraudulent information to us.
(h) You must use all reasonable means to avoid future loss at and after the time of a loss.
(i) In any action, suit or other proceedings where we allege that by reason of provision of any exclusion which may
be applicable, any loss is not covered by this policy, the burden of proving that such loss is covered shall be on
you.
(j) If you have other valid and collectible insurance, we will only cover that amount not covered by such other
insurance.
(k) Sanctions: We will not be liable to provide any coverage or make any payment hereunder if to do so would be in
violation of any sanctions law or regulation which would expose us, our parent company or our ultimate
controlling entity to any penalty under any sanctions law or regulation.
(l) By accepting coverage, you are deemed to have read, understood and consented to the collection and
subsequent processing of personal information by us in accordance with our Privacy Notice as from time to time
published on our website at http://www.aig.my/privacy-notice.

5. What are the major exclusions under this policy?

a) Additional losses that occur due to your failure to comply with “Duties after a loss”;
b) Unauthorized charges made on your visa credit or debit card that was lost or stolen more than 24 hours prior to
your first reporting the event to the financial institution(s);
c) Unauthorized ATM withdrawals that were made more than 2 months prior to your first reporting the event to (or
first receiving notification of the event from) the financial institutions, bank account issuers and/or credit account
issuer(s);
d) Unauthorized charges made on your Visa credit or debit card that has not been lost, or stolen, more than 2
months prior to your first reporting the event to (or first receiving notification of the event from) the financial
Institution(s);
e) Charges incurred by a resident of your household, or by a person entrusted with your Visa credit or debit card;
f) Losses that do not occur during the Policy Period;
g) Losses that result from, or are related to, your business or career pursuits including your work or profession;
h) Losses caused by you, or relatives’ illegal acts;
i) Losses that you have intentionally caused;
j) Losses that result from the direct actions of a relative, or actions that a relative knew of or planned;
k) Losses due to war, invasion, act of foreign enemy, hostilities or warlike operations (whether war has been
declared or not), civil war, rebellion, revolution, insurrection, civil commotion, uprising, military or usurped power,
martial law, terrorism, riot or the act of any lawfully constituted authority or vandalism of any kind;
l) Losses due to the order of any government, public authority, or customs’ officials;
m) Any liability, costs or charges arising out of Visa debit or credit card except as provided under Fraudulent
Charges;
n) Losses due to Visa debit or credit card being left unattended in any public place;
o) Losses due to you not taking due care and reasonable precautions for the safeguarding and security of the Visa
debit or credit card;
p) Cash advances made on Visa debit or credit card that was lost or stolen;

Note:
This list is non-exhaustive. Please refer to policy contract for full list of exclusions under this policy.

Benefits under this policy will not be payable in the event of any situation involving any criminal activity, violation of
law or the usage of drugs by you.

Copyright © AIG Malaysia Insurance Berhad. All rights reserved.

GPI/FRAUDULENTCHARGE_VISA/PDSV2_03/10/2018
 AIG Malaysia Insurance Berhad (795492-W)
Menara Worldwide, 198, Jalan Bukit Bintang, 55100 Kuala Lumpur, Malaysia
Telephone 1800 88 8811 Facsimile 603 2685 4896

The entire policy shall be voided whether before or after a loss, if any material fact or circumstance is willfully
concealed, or misrepresented, or fraudulent information is provided to us whether concerning this insurance or any
claim filed thereunder.

6. Can I cancel my policy?

You may not cancel your policy. Coverage will terminate upon expiry of policy period.

7. Where can I get further information?

Should you require additional information about AIG Fraudulent Charge Cover insurance or have any enquiries
please contact us at:

AIG Malaysia Insurance Berhad (795492-W)

Menara Worldwide,
198, Jalan Bukit Bintang,
55100 Kuala Lumpur

Telephone No: 1800 88 8811

Facsimile: 603-2685 4896

Email: AIGMYCare@aig.com

Website: www.aig.my

8. Other types of insurance cover available.

Please refer to our website at www.aig.my

The information provided in this disclosure sheet is reviewed and updated as at 03/10/2018.

Copyright © AIG Malaysia Insurance Berhad. All rights reserved.

GPI/FRAUDULENTCHARGE_VISA/PDSV2_03/10/2018
 FRAUDULENT CHARGES POLICY

WHEREAS Visa Worldwide Pte. Limited, (200719281K) , (hereinafter referred to as the “Insured”), by an
application and Declaration which shall be the basis of this contract and is deemed to be incorporated herein,
has applied to AIG Malaysia Insurance Berhad (795492-W) (hereinafter referred to as the “Company”) for the
insurance hereinafter contained for the benefit of the Insured Person and has paid or agreed to pay the
premium as consideration for such insurance, the Company hereby agrees to provide insurance to the extent of
and subject to the terms, conditions, and exclusions contained in or endorsed on this Policy during the Policy
Period and provided that the liability of the Company shall not exceed the sum insured or other limits expressed
herein.

This Policy, the application, the Declarations and endorsements (collectively called the “Policy”) shall be read
together as the entire contract and unless specifically stated to the contrary any word or expression to which
specific meaning has been given shall have such specific meaning wherever it may appear.

COVERAGE

The Company will cover the following, up to the Insured Person’s per occurrence and annual aggregate limits
listed.

1. If the Insured Person’s Eligible Card is Lost or is the object of a Theft, the Company will reimburse the
Insured Person for the unauthorised charges, for which the Insured Person is responsible, on the Eligible
Card, up to 24 hours prior to the Insured Person first reporting the event to the Financial Institution(s).

2. If the Insured Person’s Eligible Card is still in the Insured Person’s possession and unauthorised charges
are made on the Insured Person’s Bank Account and/or Credit Account through ATM withdrawal, in-store or
online purchases using Insured Person’s Eligible Card information, the Company will reimburse the Insured
Person for the unauthorised charges, for which the Insured Person is responsible, which are incurred up to
60 days prior to the Insured Person’s first reporting the event to the Insured Person’s Eligible Card issuer or
the Insured Person’s Eligible Card issuer notifies the Insured Person about the event (whichever occurs
first).

The Company's liability under this cover is limited to a maximum of three (3) claims per Insured Person per
Policy Period.

Limit Per Occurrence Annual Aggregate Limit

Up to RM 1,000 Up to RM 3,000

Exclusions applicable to cover:

This policy will not cover the following:

1) Additional losses that occur due to Insured Person’s failure to comply with “Duties after a loss”;
2) Unauthorized charges made on Eligible Card that was Lost or the object of a Theft, more than 24 hours
prior to the Insured Person first reporting the event to the Financial Institution(s);
3) Unauthorized ATM withdrawals that were made more than 2 months prior to the Insured Person first
reporting the event to (or first receiving notification of the event from) the Financial Insitution(s), Bank
Account issuer(s) and/or Credit Account issuer(s);

Copyright © AIG Malaysia Insurance Berhad. All rights reserved.

GPI/VisaInternational/V4_03102018
4) Unauthorized charges made on Eligible Card that has not been Lost, or the object of Theft, more than 2
months prior to the Insured Person first reporting the event to (or first receiving notification of the event
from) the Financial Institution(s);
5) Charges incurred by a resident of the Insured Person’s household, or by a person entrusted with the
Insured Person’s Eligible Card;
6) Losses that do not occur during the Policy Period;
7) Losses that result from, or are related to, the Insured Person’s business or career pursuits including the
Insured Person’s work or profession;
8) Losses caused by the Insured Person’s, or Relatives’, illegal acts;
9) Losses that the Insured Person has intentionally caused;
10) Losses that result from the direct actions of a Relative, or actions that a Relative knew of or planned;
11) Losses due to war, invasion, act of foreign enemy, hostilities or warlike operations (whether war has been
declared or not), civil war, rebellion, revolution, insurrection, civil commotion, uprising, military or usurped
power, martial law, terrorism, riot or the act of any lawfully constituted authority or vandalism of any kind;
12) Losses due to the order of any government, public authority, or customs’ officials;
13) Any liability, costs or charges arising out of Eligible Card except as provided under Fraudulent Charges;
14) Losses due to Eligible Card being left unattended in any public place;
15) Losses due to Insured Person not taking due care and reasonable precautions for the safeguarding and
security of the Eligible Card;
16) Cash advances made on Eligible Card that was Lost or object of a Theft;
17) Losses due to Insured Person being involved in any situation involving any criminal activity, violation or law
or usage of drugs.

Conditions applicable to cover:

This Policy will only insure the Insured Person’s liability under the following conditions

1) Insured Person must comply with all terms and conditions by which Insured Person’s Eligible Card is issued.
2) Company will only pay for unauthorized charges for which Insured Person is responsible under the terms
and conditions of the Insured Person’s’ Eligible Card.
3) Insured Person must submit evidence to the Company that unauthorized charges were made from Insured
Person’s Bank Account or Credit Account.
4) Insured Person’s account must be valid and in good standing for coverage to apply; Benefits will not be paid
if, on the date of occurrence, on the date of claim filing, or on the date of would-be claim payment, Insured
Person’s account is in delinquency, collection, or cancellation status.
5) Coverage will be voided, whether before or after the loss, if the Insured or Insured Person willfully concealed
or misrepresented any material fact or circumstance concerning this insurance or provided fraudulent
information to the Company.
6) Insured Person must use all reasonable means to avoid future loss at and after the time of a loss.
7) If the Company makes any payment or otherwise makes good on any loss applying under this Policy, the
Company shall be subrogated to all Insured Person’s rights of recovery against any other person or persons
and the Insured Person shall complete, sign and deliver any documents necessary to secure such rights.
The Insured Person shall not take any action following a loss to prejudice such rights of subrogation.
8) In any action, suit or other proceedings where the Company alleges that by reason of provision of any
exclusion which may be applicable, any loss is not covered by this Policy, the burden of proving that such
loss is covered shall be on the Insured Person.
9) Coverages provided by this Policy are in excess; this means that if, at the time of occurrence, the Insured
Person should have other valid and collectible insurance, this Policy will only cover that amount not covered
by such other insurance, up to the limits as shown.
10) The Company has no duty to provide coverage under this Policy unless there has been full compliance with
the duties that are detailed below.

Duties after a loss:

In the event of a covered loss, the Insured Person shall:

Copyright © AIG Malaysia Insurance Berhad. All rights reserved.

GPI/VisaInternational/V4_03102018
1) Contact the Company at the contact details below, within 24 hours of the Insured Person’s discovery of a
loss, to obtain a claim form and instructions on what to do after a loss;
2) File a police report within 24 hours of discovering a Theft, unauthorized charges or ATM withdrawals;
3) Report the theft or loss of Insured Person’s Eligible Card to the Financial Institution(s), Bank Account
issuer(s) or Credit Account issuer(s), within 24 hours of discovering such Theft or loss;
4) To the extent Insured Person’s Eligible Card was not lost or the object Theft, report the unauthorized
charges, or ATM withdrawal(s), to the Financial Institution(s), Bank Account issuer(s) or Credit Account
issuer(s), and to the Company, within 24 hours of your discovery of a loss;
5) Complete, sign and return the claim form to the Company with the following documents, within 30 days of
making the original claim:
a. documentation from the Financial Institution(s) verifying the unauthorized charges for which the
Insured Person is held responsible;
b. an official police report regarding the loss; and
c. all other relevant documents the Company may ask the Insured Person to provide;
at the Insured Person’s own expense; and
6) Cooperate with the Company in investigating, evaluating and settling a claim.

GENERAL CONDITIONS

1. Valid Account: The Eligible Card must remain open, valid and in good standing for payments under this
Policy to be made.

2. Notice of Claim: Written notice of claim must be given no later than thirty (30) days from the date of the loss
incident. Failure to give notice within (30) days from the date of the loss incident may result in a denial of
the claim. Notices should be sent to:

AIG Malaysia Insurance Berhad (795492-W)

Claims Department
Level 18, Menara Worldwide
198, Jalan Bukit Bintang, 55100 Kuala Lumpur
Tel: 1800 88 8811
Fax: 03 2685 4896
Languages Supported: English/Bahasa Malaysia
Call Centre hours: 9 am to 5 pm Monday to Friday (except Public Holidays)

Any claim for which notice is provided more than one (1) year from the date of the loss incident will be
denied.

3. Payment of Claims: All payments to be made by the Company shall be paid to the Insured Person.

4. Fraudulent Claims: If the Insured Person or anyone acting on the Insured Person’s behalf puts forward any
claim under this Policy knowing the same to be false or fraudulent, as regards amount or otherwise, this
policy shall be void in its entirety and be of no effect whatsoever and all claims that the Insured Person may
have made for an indemnity under it shall be forfeited.

5. Governing Law and Jurisdiction: This Policy shall be interpreted according to the laws of Malaysia. Any
dispute will be subject to the exclusive jurisdiction of the courts of Malaysia.

6. Sanctions: The Company will not be liable to provide any coverage or make any payment hereunder if to do
so would be in violation of any sanctions law or regulation which would expose the Company, its parent
company or its ultimate controlling entity to any penalty under any sanctions law or regulation.

Copyright © AIG Malaysia Insurance Berhad. All rights reserved.

GPI/VisaInternational/V4_03102018
 7. Changes in policy: No agent has authority to change this Policy or waive any of the provisions contained
herein. No amendment to this Policy shall be valid unless approved by the Company in writing and duly
endorsed therein.

Premium: Premium must be paid in full by the Insured to the Company on a weekly basis. No claim shall be
admissible whilst related premiums are in arrears. The premium payable by the Insured shall be calculated
by multiplying per Insured Person rate by number of Insured Persons declared by the Company. The
amount of Premium payable by the Insured for this Policy excludes an amount on account of the Service
Tax payable by the Insured. If premium due is not received by the Company within 60 days from due date,
this Policy is automatically cancelled and the Company is entitled to recover premium due from the Insured.

8. Cancellation: The Company shall have the right to cancel this Policy by providing the Insured 30 days’
notice in writing. The Insured shall have the right to cancel this Policy by providing the Company 30 days’
notice in writing. Cancellation of this Policy shall not affect cover of Insured Person(s) prior to the effective
date of cancellation and there will be no refund of Premium. This Policy will have no further force or effect
upon expiry of cover of all Insured Person(s).

9. Disclosure: The Insured has a duty to disclose any matter that the Insured knows to be relevant to the
Company in accepting the risks and determining the rates and terms to be applied and any matter a
reasonable person in the circumstances could be expected to know to be relevant otherwise it may result in
avoidance of the Policy, refusal or reduction of claims, change of terms or termination of the Policy. This
duty of disclosure shall continue until the time the Policy is entered into, varied or renewed. The Insured
also has a duty to tell the Company immediately if at any time after the Policy has been entered into, varied
or renewed with the Company, any of the information given when the Insured applied for the Policy is
inaccurate or has changed.

10. Indemnities: All indemnities under this Policy will be payable to the Insured Person and receipt of such
payments by the Insured Person shall constitute full and final settlement of the claim lodged and be
effectual discharge of liability of the Company.

11. Personal Data: Insured is deemed to have read, understood and consented to the collection and
subsequent processing of personal information by the Company (whether obtained during the application
process or administration of this policy) in accordance with the Company’s Privacy Notice as from time to
time published on the Company’s website at http://www.aig.my/privacy-notice. When submitting information
relating to Insured Person(s) and other individuals, the Insured further warrants and represents the Insured
has the authority to provide information relating to the Insured Person(s) and other individuals to the
Company, that Insured has informed the Insured Person(s) and other individuals about the purposes for
which his/her personal information is collected, used and disclosed as well as the parties to whom such
personal information may be disclosed by the Company and that the Insured Person(s) and other
individuals agree and consent that the Company may collect, use, and process his/her personal information
in accordance with the Company’s Privacy Notice.

12. Residence limitation: This Policy offers coverage only to individuals ordinarily resident in Malaysia and is
null and void as to non-residents of Malaysia

13. Age limitation: This Policy offers coverage only to individuals 18 years of age and above and below 65
years of age.

GENERAL DEFINITIONS

ATM means automatic teller machine.

Bank Account means an account for personal use, with a Financial Institution, against which the account holder
can deposit and withdraw money.

Copyright © AIG Malaysia Insurance Berhad. All rights reserved.

GPI/VisaInternational/V4_03102018
Burglary means the unlawful taking of the Insured Person’s property, or an attempt thereof, by a person or
persons who illegally entered the Insured Person’s residence using force or violence with visible signs of forced
entry.

Business means (i) a trade, profession or occupation including those conducted on a full-time, part-time or
occasional basis, or, (ii) any other legal activity in which one is engaged for money or other compensation.

Credit Account means any credit arrangement from a Financial Institution, for personal use, such as credit card
account or a car/home loan account.

Eligible Card means any VISA credit or debit card issued to the Insured Person by a Financial Institution.

Financial Institution means a licensed institution under the laws of Malaysia who issues the Eligible Card, Bank
Account or Credit Account.

Insured Person means the person covered under this Policy and confirmed by the Company for whom
insurance has been arranged.

Lost means no longer in the Insured Person’s possession due to having been (i) inadvertently misplaced or (ii) in
an irretrievable place.

Relative mean Insured Person’s legally married spouse, parent, step-parent, parent in-law, grandparent, child,
stepchild, legally adopted child, grandchild, brother, brother in-law, sister, sister in-law, son in-law, daughter in-
law, uncle, aunt, niece, nephew, and first cousin.

Robbery means the unlawful taking of Insured Person’s property, by a person or person(s), by using violence or
the threat of violence and who has/have caused, or threatened, physical harm to the Insured Person, the Insured
Person’s spouse and or civil partner and/or children under age 21.

Theft means the unlawful taking of property from the Insured Person’s care and/or custody, without consent,
with the intent of gain, as a result of a Robbery or a Burglary.

Policy Period refers to the one year period of time that the Insured Person is covered by this insurance which is
effective the first working day immediately following the day Insured Person is declared by the Insured to the
Company.

ST refers to any service tax, value added tax, goods and services tax, consumption tax, or tax, duty, charge or
imposition of a similar nature whatsoever by whatever name known, which may from time to time be imposed or
charged (including any increases or decreases to the rate) by any competent tax authority.

Copyright © AIG Malaysia Insurance Berhad. All rights reserved.

GPI/VisaInternational/V4_03102018
American International Group, Inc. (AIG) is a leading global insurance organization. Founded in 1919, today AIG member companies provide
a wide range of property casualty insurance, life insurance, retirement products, mortgage insurance and other financial services to
customers in more than 100 countries and jurisdictions. These diverse offerings include products and services that help businesses and
individuals protect their assets, manage risks and provide for retirement security. AIG common stock is listed on the New York Stock
Exchange and the Tokyo Stock Exchange.

Additional information about AIG can be found at www.aig.com and www.aig.com/strategyupdate | YouTube: www.youtube.com/aig | Twitter:
@AIGinsurance | LinkedIn: http://www.linkedin.com/company/aig. These references with additional information about AIG have been
provided as a convenience, and the information contained on such websites is not incorporated by reference into this product.

AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American
International Group, Inc. For additional information, please visit our website at www.aig.com. All products and services are written or provided
by subsidiaries or affiliates of American International Group, Inc. Products or services may not be available in all countries, and coverage is
subject to actual policy language. Non-insurance products and services may be provided by independent third parties.

Copyright © AIG Malaysia Insurance Berhad. All rights reserved.

GPI/VisaInternational/V4_03102018
 DISCLOSURE & POLICY STATEMENT
KETERANGAN & KENYATAAN POLISI
1. Under the prudential framework of Corporate Governance the following avenues have been set up to handle customer grievances:-
Di bawah rangka kewaspadaan Kawalan Korporat, cara-cara berikut telah disediakan kepada sesiapa yang ingin membuat aduan:-
a) The Customer Care Officer of AIG Malaysia Insurance Berhad (795492-W) (“Company”) at tel: 1800 88 8811 or fax: 603 2685 4896 or via e-mail to
AIGMYCare@aig.com. At branch level, complaints can be received by the respective Branch Managers who will direct it to the Customer Care Officer.
Pegawai Khidmat Pelanggan AIG Malaysia Insurance Berhad (795492-W) (“Syarikat”) di tel: 1800 88 8811 atau faks: 603 2685 4896 atau e-mel pada
AIGMYCare@aig.com. Bagi bahagian cawangan, segala aduan boleh ditujukan kepada Pengurus Cawangan yang akan memanjangkan kepada Pegawai
Khidmat Pelanggan.

b) Ombudsman for Financial Services (OFS) at tel: 03-2272 2811 or fax: 03-2272 1577
Any policyholder who is not satisfied with the decision of an insurance company may write to the OFS, giving details of the dispute, the name of the insurance
company and the policy number. Copies of the correspondence between the policyholder and the insurance company must be submitted to facilitate OFS’s
reference.
Ombudsman Perkhidmatan Kewangan (OPK) di tel: 03-2272 2811 atau faks: 03-2272 1577
Pemegang polisi yang tidak berpuas hati dengan keputusan sesebuah syarikat insurans boleh menulis surat aduan kepada OPK dengan butir-butir pertikaian,
nama syarikat insurans dan nombor polisi. Salinan surat antara pemegang polisi dan pihak syarikat insurans perlu diserahkan kepada OPK untuk rujukan.

An award of the OFS is binding on the Company. The policyholder can choose to accept or not. Acceptance is acknowledged only if it is in writing within 14
days of the decision. The Company shall settle the award within 30 days of policyholder’s acceptance. But if the policyholder is not satisfied, he can reject the
OFS’s decision and pursue an alternative legal recourse instead. There is no fee charged for services of the OFS.
Pihak Syarikat adalah terikat kepada keputusan OPK. Pemegang polisi boleh memilih sama ada bersetuju atau tidak. Persetujuan hanya diterima secara
bertulis dalam tempoh 14 hari. Pihak Syarikat akan menyelesaikan tuntutan dalam tempoh 30 hari dari persetujuan pemegang polisi. Sekiranya pemegang
polisi tidak berpuas hati dengan keputusan OPK, beliau boleh memilih untuk mengambil tindakan alternatif undang-undang. Tidak ada yuran bayaran yang
dicaj untuk perkhidmatan OPK.

The address is / Alamat ialah:- Ombudsman Perkhidmatan Kewangan

Tingkat 14, Blok Utama
Dataran Kewangan Darul Takaful
No 4 Jalan Sultan Sulaiman
50000 Kuala Lumpur

c) Laman Informasi Nasihat dan Khidmat of Bank Negara Malaysia (BNM) at tel: 1-300-88-5465 (1300-88-LINK) or fax: 03-2174 1515.
Any policyholder who is not satisfied with the conduct of an insurance company may write to the Corporate Communication Department of BNM, giving details
of the complaint, the name of the insurance company and the policy number or the claim number. Documentary support should be provided to facilitate
reference.
Laman Informasi Nasihat dan Khidmat di Bank Negara Malaysia (BNM) di tel: 1-300-88-5465 (1300-88-LINK) atau faks: 03-2174 1515.
Pemunya polisi yang tidak puas hati dengan bimbingan pihak syarikat insurans boleh membuat aduan kepada Jabatan Komunikasi Korporat di BNM dengan
butir-butir pertikaian, nama pihak syarikat insurans dan nombor polisi atau nombor tuntutan. Sokongan dokumen perlu diserahkan untuk rujukan.

The address is / Alamat ialah:- Pengarah

Laman Informasi Nasihat dan Khidmat (LINK)
Tingkat Bawah, Blok C
Bank Negara Malaysia
Peti surat 10922
50929 Kuala Lumpur

2. By virtue of the Financing Anti-Money Laundering, Anti-Terrorism Act and Proceeds of Unlawful Activities Act 2001, any ‘Suspicious Transaction’ as classified by the
law is required to be reported to the Competent Authority at Bank Negara Malaysia.
Bersandarkan Akta Pencegahan Pengubahan Wang Haram, Pecegahan Pembiayaan Keganasan dan Hasil daripada Aktiviti Haram 2001, sebarang ‘Transaksi yang
Mencurigakan’ seperti yang termaktub di bawah undang-undang hendaklah dilaporkan kepada pihak berkuasa yang berkenaan di Bank Negara Malaysia.

3. For all intents and purposes where there is a conflict or ambiguity as to the meaning in the English provisions or the Bahasa Malaysia provisions of any part
of the contract, it is hereby agreed that the English version of the contract prevails.
Boleh dikatakan di mana terdapat konflik atau kekaburan berkenaan makna dalam peruntukan Bahasa Inggeris atau peruntukan Bahasa Malaysia tentang
mana-mana bahagian kontrak, adalah dipersetujui bahawa versi kontrak Bahasa Inggeris akan mengatasi dan diikuti.

4. PERSONAL DATA CONSENT：You are deemed to have read, understood, and consented to the collection and subsequent processing of your personal
information by AIG Malaysia (whether obtained during the application process or administration of this policy) in accordance with AIG Malaysia’s Privacy Notice as
from time to time published on AIG Malaysia’s website at http://www.aig.my/privacy-notice, a copy of which has also been furnished to you. If you submit information
relating to other individuals, you are further deemed to represent and warrant that you have the authority to provide information relating to the other individuals to
AIG Malaysia, that you have informed the other individuals about the purposes for which his/her personal information is collected, used and disclosed as well as the
parties to whom such personal information may be disclosed by AIG Malaysia, and that the other individuals agree and consent that AIG Malaysia may collect, use
and process his/her personal information in accordance with AIG Malaysia’s Privacy Notice. Requests to obtain access, correct, or withdraw your consent to the
use of your personal information can be made by mail: Customer Care, AIG Malaysia Insurance Berhad, Menara Worldwide 198, Jalan Bukit Bintang, 55100 Kuala
Lumpur, phone: 1800 88 8811, fax: 603 2685 4896 or email: AIGMYCare@aig.com.
KESETUJUAN DATA PERIBADI: Anda adalah dianggap telah membaca, memahami dan bersetuju dengan pengumpulan dan pemprosesan seterusnya
maklumat peribadi anda oleh AIG Malaysia (sama ada yang diperolehi semasa proses permohonan atau pentadbiran polisi ini) mengikut Notis Privasi AIG Malaysia
seperti yang diterbitkan dari semasa ke semasa pada laman web AIG Malaysia di http://www.aig.my/privacy-notice, di mana satu salinan juga telah diberikan
kepada anda. Jika anda mengemukakan maklumat berkaitan individu lain, anda juga dianggap untuk mewakili dan menjamin bahawa anda mempunyai kuasa
untuk mengemukakan maklumat yang berhubungan dengan individu lain kepada AIG Malaysia, bahawa anda telah memaklumkan kepada individu lain mengenai
tujuan maklumat peribadinya boleh dikumpul, digunakan dan didedahkan serta pihak maklumat peribadinya boleh didedahkan oleh AIG Malaysia, dan bahawa
individu lain bersetuju dan membenarkan AIG Malaysia mengumpul, menggunakan dan memproses maklumat peribadinya mengikut Notis Privasi AIG Malaysia.
Permohonan untuk akses, pembetulan atau menarik balik persetujuan untuk kegunaan maklumat peribadi anda boleh dibuat secara surat: Customer Care, AIG
Malaysia Insurance Berhad, Menara Worldwide 198, Jalan Bukit Bintang, 55100 Kuala Lumpur, telefon: 1800 88 8811, faks: 603 2685 4896 atau e-mel:
AIGMYCare@aig.com

IMPORTANT NOTICE
Please take note that a Product Disclosure Sheet is attached to your policy contract:
The Product Disclosure Sheet contains a summary of the product features. If you have any queries or are unsure of any of the policy terms or conditions, kindly call our
Customer Service at 1800 88 8811 (Monday – Friday, 9am – 5pm).

NOTIS PENTING
Sila ambil perhatian bahawa sesalinan Helaian Pendedahan Produk adalah dilampirkan dengan kontrak polisi anda:
Helaian Pendedahan Produk mengandungi ringkasan ciri-ciri produk. Jika anda ada sebarang pertanyaan atau tidak pasti mengenai apa jua terma-terma atau syarat-syarat
polisi, sila hubungi Talian Perkhidmatan Pelanggan kami di 1800 88 8811 (Isnin – Jumaat, 9pagi – 5petang)

Copyright c AIG Malaysia Insurance Berhad. All rights reserved. CONS-V8/Sep 2016
Hak Cipta c AIG Malaysia Insurance Berhad. Hak cipta terpelihara.