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Automotive & Travel
Motor Vehicle Insurance
Protection for your Car and Motorcycle
Motor Vehicle Insurance covers your car against liabilities to other parties for death or bodily injuries, damages to other parties’ properties, accidental or fire damages to your car and theft of your car.
- Losses or damages to your car due to accident, fire and theft
- Third Party death and bodily injuries
- Third Party property losses or damages
- Extended benefits
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Travel anywhere without worry
When you travel, you would want to have a worry-free holiday. Allianz Travel Care is a travel insurance that will protect you and your family during your holidays, overseas or domestic.
Overseas and domestic travels for you and your family
Accidental death and permanent disablement
Travel or luggage delay
Emergency Medical Evacuation and Repatriation Programme
HouseOwner & HouseHolder Insurance
Keeping your home safe
Whether you are a house owner or a tenant, we ensure your home is well protected through our Houseowner and Householder plans.
The Houseowner plan covers your house structure including the walls, roof, fixtures and fittings, garages, gates and fences, while the Householder plan covers your house contents like household goods, personal effects and other moveable possessions.
- Fire, lightning and domestic explosion
- Damages caused by aircraft and impact by vehicles or animals
- Bursting or overflowing of water tanks or pipes
- Theft and burglary
- Flood, hurricane, typhoon, windstorm
- Loss of rent
- Public liability
Allianz provides comprehensive protection for "kampung" wooden houses against fire and flood risks.
Allianz KampungKu is a very affordable insurance plan that provides protection for “kampung” wooden houses or household contents against fire, flood and windstorm risks.
Building and/or household contents against fire and lightning
Emergency Relief Benefit (a sum of money that is paid out immediately after a loss)
Personal accident for death, permanent disablement and funeral expenses of the Insured or one immediate family member
Foreign Workers Insurance
Protecting your hard workers
In Malaysia, foreign workers are employed in the sectors of manufacturing, construction, plantation, agricultural, services and domestic help such as restaurant, cleaning services, cargo handling, launderette, golf course caddy, barber, wholesale and retail, textile, metal scraps and recycle activities, welfare homes and hotels.
The Foreign Workers Compensation Scheme (FWCS) protects the welfare and interests of foreign workers in Malaysia. The scheme pays the compensation benefits to a foreign worker with valid employment document for injuries sustained or death due to an accident arising out of or during his course of employment. Under Section 26 of the Workmen’s Compensation (Amendment) Act 1996, it is mandatory for Employers to insure all their foreign workers under the FWCS.
- Accidental death: RM25,000 (working hours) or RM23,000 (off working hours)
- Permanent disablement: Up to RM23,000 (working hours) or RM23,000 (off working hours)
- Temporary loss of income due to temporary disablement
- Hospitalisation & medical expenses: Up to RM750
- Repatriation due to death or permanent disablement: RM4,800
The Foreign Workers Hospitalisation and Surgical (FWCS or SKHPPA) is specially designed in view of increasing hospital and surgical costs and to reduce the financial burdens of employers of foreign workers in Malaysia in the event of hospital admission of their foreign workers due to an accident or illness. FWCS/SKHPPA allows foreign workers a cashless admission into government hospitals under a Third (3rd) Class Room and Board basis but exception is given to cases which require emergency treatment at private hospitals.
- Daily hospital room & board: Up to 30 days; Up to RM160 per day
- Intensive Care Unit (ICU): Up to 15 days
- Hospital supplies and services, operating theatre, surgical fees, anaesthetist fees, ambulance fees / medical report fees
- In-hospital physician visits: Up to 30 days
- In-hospital specialist consultation visits: Up to 30 days
- Maximum overall annual limit: RM20,000
Group Hospitalization & Surgical
Comprehensive medical coverage for your Employees
The Group Hospitalisation and Surgical scheme provides comprehensive medical coverage to your employees, their legal spouse and children.
Medical and hospitalisation benefit
Out-patient cancer treatment
Out-patient kidney dialysis treatment
Optional out-patient clinic which includes out-patient general practitioner care and out-patient specialist care
Protecting your business against unexpected emergencies
Fire Insurance covers your property against losses or damages caused by fire, lightning and explosion caused by domestic gas.
The All Risks Insurance covers all risks except the risks which are specifically outlined to be excluded in the policy.
Burglary Insurance provides protection against incidents of theft to your property. This policy covers losses or damages to your property and its contents in your business premise due to theft by actual, forcible and violent entry, theft or attempted theft by a person feloniously concealed on the said premises and also hold-up or armed robbery.
Public Liability Insurance is considered essential in businesses which involve regular interactions between the members of the public and the company such as retail businesses, restaurants, clinics and many more. The Public Liability insurance covers your legal liability to a third (3rd) party as a result of an accident happening in connection with your business operations. The insurance indemnifies you against all sums which you become legally liable for damages and claimant’s costs and expenses in respect of bodily injuries including illnesses to any person, losses or damages to property and legal expenses incurred in your legal proceeding defence.
Money Insurance could save you from unexpected financial loss in the event of robbery or theft whether you are on your way to the bank to deposit your business earnings for the day or you prefer to keep the cash at your business premise. The Money Insurance covers the loss of your money whilst in transit and whilst in the premise.
The Fidelity Guarantee Insurance is able to mitigate employee infidelity risk by providing indemnity to the employer against loss of money or property as a result of acts of fraud or dishonesty of any employees such as forgery, embezzlement, larceny or fraudulent conversion. Most business owners are not prepared to face the infidelity of their employees and its negative implications. It is not unusual to know of situations where employees suddenly go missing with a substantial amount of company money or assets.
Other Business Risks
Other Business Risks
Protecting your business against unexpected emergencies
Marine Cargo Insurance provides you with high level protection against all risks during the transportation of goods and merchandise – anywhere from the time your goods leave the premises of the seller until the time they arrive at the buyer’s premises. It covers the loss or damage to during the movement of the cargo from one port or country to another. The conveyance can be by Sea, Air or Land. Either the buyer or the seller can purchase the Marine Cargo insurance depending on your sales contract which most commonly is Free On Board (FOB), Cost and Freight (C&F) or Cost, Insurance and Freight (CIF).
Trade Credit Insurance protects your business with account receivable protection against losses due to credit risks such as customer’s insolvency, bankruptcy and failure to meet agreed payment terms and conditions. This insurance insures your company against your customers’ failures in paying their trade credit debts owed to you. As such, the trade credit insurance gives you the confidence to grow your business by minimizing your credit risk exposure, enhancing your relationship with customers, forging new customer relationships, improving banking relationships and access to finance.
Contractors' All Risks Insurance cater mainly to the protection needs of the construction industry. This policy is designed to provide protection against losses or damages in respect of the contract works at contract site and third (3rd) party claims arising in connection with the construction of a project. With additional premium, the cover may include Construction Plant and Equipment, Construction Machinery, Removal of Debris, Professional Fees and Principal’s Existing Property. Duration of cover corresponds with the contract period which is stipulated in the Letter of Award.
The Erection All Risks Insurance covers all kinds of erection and testing on individual machine, industrial machinery, industrial plants, steel works and/or structure as well as third (3rd) party property and/or bodily injury arising in connection with the erection work. The cover may include Civil Engineering Works, Equipment for Erection, Removal of Debris, Professional Fees and Principal’s Existing Property. Duration of cover corresponds with the contract period which is stipulated in the Letter of Award.
Product Liability cases have greatly increased over the recent years, especially in more litigious parts of the world like the USA, Canada, Australia and Europe. Whether you’re a manufacturer, a vendor, a supplier or an exporter, you are exposed to the risk of product liability claims. In fact, any point in the chain of commerce is exposed to this risk. Here are some reasons why you need Product Liability insurance.
The Professional Indemnity (PI) Insurance protects a professional such as an accountant, solicitor, architect and engineer against his legal liability to pay damages to persons who have sustained financial loss arising from his own professional negligence or that of his employees in the conduct of the business. The insurance offers indemnity strictly on legal liability basis. In addition to indemnifying the professional against his professional liability, the PI insurance also indemnifies him for defence cost and expenses incurred in respect of a claim.
A Performance Bond is required in the event a Contractor’s tender has been accepted by the Principal and a Letter of Award is issued. The main purpose of the Performance Bond is guarantee that the Contractor fulfills the contractual obligations towards the completion of the contract. Bond is an instrument to guarantee the performance of the Contractor in fulfilling the contractual obligations and terms as required by the Principal in a construction related contract. In the event of the non-performance of the Contractor, the Principal is entitled to demand the amount guaranteed in the Bond, which shall be paid by the Insurance Company accordingly. The Insurance Company, in turn, shall recover the losses from the Contractor and its guarantors.