PUBLIC - 1

HSBC Amanah Takaful (Malaysia) Berhad

(Company No. 731530-M)

CERTIFICATE

TRAVELSAFE

Please read this Certificate carefully.

Version as at: April 2015

PUBLIC - 2

This is a General Takaful Plan managed by HSBC Amanah Takaful (Malaysia) Berhad.

Takaful is a mutual assistance scheme based on the spirit of brotherhood and solidarity where Covered Participants like

you agree to assist each other financially in case of certain defined needs. A portion of your contribution will be deposited

into the General Risk Fund on the basis of Tabarru’ (donation).

This General Takaful Plan is managed in accordance with the Shariah principles guided by our Shariah Committee.

In consideration of your participation and contribution, we agree to manage this General Takaful Plan based on the terms,

conditions and benefits as stated in this Certificate. Any variations or changes to the terms of this Certificate shall be

effective upon our endorsement. The relationship between all Covered Participants and HSBC Amanah Takaful (Malaysia)

Berhad is based on Wakalah and is governed by this Certificate.

This Certificate describes the terms of this plan in full. Please read this certificate carefully to ensure that it meets your

requirements.

Article I. GENERAL TAKAFUL CERTIFICATE

PUBLIC - 3

Article I. Contents GENERAL TAKAFUL CERTIFICATE ................................................................................................. 2 A. Certificate Information Statement ....................................................................................................... 4

B. General Provisions .............................................................................................................................. 6 C. Contributions & Fees ......................................................................................................................... 12 D. Funds ................................................................................................................................................. 13 E. Overseas Trip Coverage .................................................................................................................... 14 F. General Exclusions ............................................................................................................................ 22

G. General Certificate Conditions - Applicable To all Sections ............................................................ 23 H. Cancellation ....................................................................................................................................... 26 TRAVEL WORLDWIDE ASSISTANCE SERVICES ......................................................................... 27

PUBLIC - 4

Article II. A. Certificate Information Statement

1. You may pay your contribution to us by a valid HSBC/HSBC Amanah credit card/credit card-i in our online webform.

2. This Certificate is issued by the Takaful Operator to HSBC Bank Malaysia Berhad and HSBC Amanah Malaysia

Berhad collectively known as the "Master Participant". Coverage is provided to you as a Covered Participant under a

group General Takaful plan and references to your rights, as a Covered Participant in this Certificate shall be limited to

your specific rights for the coverage granted to you.

3. You may nominate a person to receive the benefits payable upon your death under this Certificate either as an

executor or a beneficiary. We have provided a page in the online webform for this purpose but we urge you to ensure

that the contents of our standard forms are suitable for your needs and the nominee is aware of your participation.

4. You may decline this Certificate by returning it to us within 15 days from the date of delivery of this Certificate to

your last known address that was notified to us (“free-look/cooling off period”) for the Annual Trip Cover only. In

such an event and after the refund of your contribution, we will cancel this Certificate and our liability in respect of

your coverage under this Certificate shall cease from inception.

5. You may cancel this Certificate (for Annual Trip Cover only) at any time by giving Us notice in writing. The amount

to be refunded upon cancellation of the Certificate shall be the pro rata Contribution equal to the unexpired period of

Takaful.

6. You have to inform us and provide us with the relevant documents immediately to ensure our services to you are not

interrupted if there is any change in your address or contact number.

7. If You wish to seek any further information, enquire, provide feedback or dispute regarding our decisions made under

this Certificate, we can be reached at:

HSBC Amanah Takaful (Malaysia) Berhad -Contact Center

P.O. Box 13343, 50806 Kuala Lumpur

Tel: 1-800-88-9659 Fax: 03-2031 0833

8. BNMLINK, BNMTELELINK and the Financial Mediation Bureau are set up to offer consumer protection for

Covered Participants to resolve disputes over claims settlement between the Takaful Operator and Covered

Participants. Should there be any dispute over claims settlement arising from this Certificate, you may wish to contact

and write to the following parties:

8.1 BNMLINK provides face-to-face customer service to walk-in visitors on general enquiries and

public complaints. BNMLINK is located at Bank Negara Malaysia’s regional offices and the

main office is:

BNMLINK

Bank Negara Malaysia

Block D, Jalan Dato’ Onn

50480 Kuala Lumpur.

8.2 Alternatively, you may contact BNMTELELINK by telephone, fax, letter or email with contact

details as follows:

BNMTELELINK

Jabatan Komunikasi Korporat

Bank Negara Malaysia

P.O. Box 10922

50929 Kuala Lumpur

Tel: 1-300-88-5465 (LINK) Fax: 03-2174 1515

E-mail: bnmtelelink@bnm.gov.my

BNMLINK and BNMTELELINK operating hours are from: Monday – Friday, 9.00 a.m. – 5.00 p.m.

8.3 The Financial Mediation Bureau (“FMB”)

25th Floor, Dataran Kewangan Darul Takaful

PUBLIC - 5

No. 4, Jalan Sultan Sulaiman

50000 Kuala Lumpur;

Tel: 03-2272 2811 Fax: 03-2274 5752

9. Any dispute relating to this Certificate involving amounts equal to or not exceeding RM100, 000.00 shall be referred

to the Financial Mediation Bureau (“FMB”) for settlement.

10. If You are not satisfied with the decision of the FMB or if You and Us are not able to agree on matter relating to

this Certificate involving amounts exceeding RM100, 000.00, an Arbitrator shall be appointed by You and Us in

writing to resolve this disagreement. If You and Us are not able to agree on who is to be the Arbitrator within one

month of being required to do so then You and We shall be entitled to appoint an Arbitrator each. Both

Arbitrators shall then proceed to hear the disagreement together with an Umpire to be appointed by them.

PUBLIC - 6

Article III. B. General Provisions

1. Geographical Limits

Overseas Trip

Area 1: Singapore, Brunei, Thailand, Indonesia, Philippines, Myanmar, Nepal, Cambodia, Laos, China,

India, Japan, Korea, Pakistan, Sri Lanka, Taiwan, Vietnam, Hong Kong, Macau.

Area 2: Worldwide excluding USA and Canada.

Area 3: Worldwide including USA and Canada

2. Age Limits : Cover is subject to the following age limits and restrictions on travel alone:

Adult: (a) For Single Trip Cover: Person aged between 18 and up to 75 years Age Last Birthday at the

commencement of the Period of Takaful.

(b) For Annual Trip Cover: Person aged between 18 and up to 74 years Age Last Birthday at the

commencement of the Period of Takaful.

Child: Person aged between 1 month and up to 17 years (inclusive).

(a) A Child aged 12 or below must be accompanied by an adult Covered Person or Covered Participant.

(b) A Child travelling alone will only be covered under the annual:

(i) Individual and Family Plan, and

(ii) Individual and Children Plan.

3. Meanings and Definitions

To help you understand Your Certificate, the following words and phrases listed below will have the same meaning

wherever they appear in this Takaful:

“Accident/Accidental” means an unforeseen and unexpected event of violent, external and visible nature.

“Accidental Bodily Injury” means bodily injury caused solely and directly by an Accident.

“Age Last Birthday” means the number of birthday anniversaries passed on the day the Covered Person fills up the

online webform to take up this group General Takaful plan.

“Appendix” means the document containing details of the Travel Worldwide Assistance Services, which is

attached to and forms part of this Certificate.

“Certificate” means Your Takaful contract which consists of this Certificate wording and Schedule.

“Child/Children” means any dependent unmarried child or children, including any stepchild or stepchildren and

legally adopted child or children of the Covered Participant, who is not gainfully employed or who is still a full time

student at a higher learning institution aged between 1 month and up to 17 years of age (inclusive) at the

commencement of the Period of Takaful.

“Common Carrier” means:

(a) any bus, coach, taxi, hotel car, ferry, hovercraft, hydrofoil, ship, tra in, tram, underground train and is

operated by a carrier duly licensed for the regular transportation of fare-paying passengers;

(b) any fixed-wing aircraft or helicopter provided and operated by an airline or an air charter company which is

duly licensed for the regular transportation of fare-paying passengers and operating only between established

commercial airports or licensed commercial heliports;

(c) any regularly scheduled airport limousine operating on fixed routes and schedules;

(d) motorcycles are excluded.

“Connected Person(s)” means a person or entity other than you whose information (including Personal Data or Tax

Information) is provided by you, or on your behalf , to any member of the HSBC Group or otherwise received by any

PUBLIC - 7

member of the HSBC Group in connection with the provision of the Services. A Connected Person may include, but

is not limited to, any person identified as a beneficiary under a Takaful certificate, any person who is, or may be,

entitled to receive a payment under a Takaful certificate, a director or officer of a company, partners or members of a

partnership, any “substantial owner”, “controlling person”, or beneficial owner, trustee, settler or protector of a trust

holding or controlling (directly or indirectly) the Takaful certificate, any of your representatives, agents or nominees,

or any other persons or entities with whom you have a relationship that is relevant to your relationship with the HSBC

Group.

“Contribution” means any amount We require You to pay under the Certificate.

“Covered Participant”, “you” or “your” means the person named as the participant in the Schedule. Only the

Covered Participant can exercise all rights, privileges and options provided under this Certificate.

“Covered Persons” means the Covered Participant and the eligible persons named in the Schedule, (which includes a

named spouse, a Child or Children, who will not be named in the Schedule) who are:

a) Malaysian citizens or Malaysian Permanent Residents or work permit holders legally employed in Malaysia;

b) within the age limit for Adults and Children as described above;

c) making such Trips which commence and end in Malaysia and is subject to the Maximum Duration of Trip;

d) not travelling contrary to the advice of any Registered Medical Practitioner;

e) not travelling in order to receive medical treatment; and

f) not aware or knows of any condition, cause or circumstance existing that may necessitate the cancellation

or curtailment of the scheduled Trip.

“Curtailment” means abandonment by return to Place of Residence or Place of Business after arrival at the

scheduled destination of the planned Trip as shown on the booking invoice.

“Eligible Family Members” means the legally married spouse of the Covered Participant, and Children.

“Endorsement” means a written alteration to the terms, conditions and limitations of this Certificate which is shown

on the Schedule.

“Excess” means the amount You must pay towards a claim before We pay.

“General Risk Fund” means the risk fund managed by us for the purposes of this Certificate. It is for the collective

benefit and protection of all its Covered Person(s) through the principles of Takaful.

“Hospital” shall mean only an establishment duly constituted and registered as a hospital for the care and treatment

of sick and injured persons as paying bed-patients, and which:-

(a) has facilities for diagnosis and major surgery,

(b) provides 24 hour a day nursing services by registered and graduate nurses,

(c) is under the supervision of a Physician, and

(d) is not primarily a clinic; a place for alcoholics or drug addicts; a nursing, rest or convalescent home or a home for

the aged or similar establishment

“Loss of Limbs” means loss by physical separation at or above the wrist or ankle joint, or total Loss of Use.

“Loss of Sight” means the total and irrecoverable loss of all sight of an eye or eyes rendering the Covered Person

absolutely blind beyond remedy by surgical or other treatment.

“Loss of Use” means total functional disablement.

“Maximum Duration of Trip” means the period for:

a) Single Trip Cover - 185 days from the commencement of a Trip outside Malaysia; or

b) Annual Trip Cover - 90 days from the commencement of each Trip outside Malaysia, as the case may be.

“Medical Treatment Expenses” means the actual expenses paid by the Covered Person to a Registered Medical

Practitioner, Physician, Doctor or Hospital for medical, surgical or nursing treatment including the costs of

PUBLIC - 8

medical supplies, ambulance hire or professional home-nursing fees, but excluding the cost of dental care and

treatment unless such treatment is for emergency and necessitated by accidental injuries to sound and natural teeth.

“Overseas Trip” means areas of travel as defined under Part B, Clause 1 Geographical Limits – Overseas Trip of this

section.

“Period of Takaful” shall have the meaning as stated in the Schedule subject to the Maximum Duration of Trip.

Except for Part E, Section 9 (Cancellation of Scheduled Trip), the cover shall commence when the Covered

Person leaves his Place of Residence or Place of Business, whichever is later, for the sole purpose of commencing a

Trip PROVIDED ALWAYS THAT the Trip shall not commence more than 24 hours prior to scheduled departure

time and shall end.

(a) at the time of direct return to his Place of Residence;

(b) at the time of direct return to his Place of Business;

(c) at the expiration of the Maximum Duration of Trip (for Annual Trip Cover); or

(d) 24 hours after scheduled return to Malaysia, whichever is earlier.

FOR AVOIDANCE OF DOUBT, for claims arising under Part E, Section 9, the cover shall become effective and

commence upon our approval of your proposal for Single Trip Cover for scheduled Overseas Trip or from the

beginning of the Period of Takaful as specified in the Schedule (for Annual Trip Cover) whichever is the earlier.

“Permanent Total Disablement” means that the Covered Person is permanently and completely unable to engage in

any work, occupation or profession for any compensation, remuneration, profit or gain for the remainder of his life

due to an Accidental Bodily Injury.

“Personal Money” means cash, cheques, travellers' cheques and money orders belonging to the Covered Person,

excluding credit cards and stored value cards.

“Place of Business” is the place where the Covered Person normally works within Malaysia.

“Place of Residence” is the place where the Covered Person normally lives within Malaysia.

“Pre-existing Condition” means injury, sickness, disease or medical condition which existed before

(a) the Period of Takaful (for Single Trip Cover); or

(b) the beginning of each Trip (for Annual Trip Cover)

in respect of a Covered Person and which presented signs or symptoms of which the Covered Person was aware

or should have reasonably been aware.

“Private Car” means any four-wheeled pleasure type motor vehicle, excluding any vehicle licensed to

transport fare-paying passengers or licensed to transport merchandise for sale or delivery.

“Registered Medical Practitioner/ Physician/ Doctor” means a practitioner of western medicine duly qualified

and legally registered as such under the laws of the country in which the claim arises and where the treatment takes

place but excludes a person who is the Covered Person himself, or a relative of the Covered Person.

“Schedule” is the document issued for each Covered Participant which forms part of the Certificate.

“Sickness” means sickness or disease contracted and commencing during the Trip, and excludes any Pre-existing

Condition.

“Sum Covered” means the amount You have covered as shown on the Schedule.

“Tabarru’” means donation, gift or contribution. In this Certificate, Tabarru’ means donation for the purposes of

Takaful.

“Takaful” means a scheme based on brotherhood, solidarity and mutual assistance which provides for mutual

financial aid and assistance to Covered Participants of a scheme in case of need whereby the Covered Participants

mutually agree to contribute for that purpose.

PUBLIC - 9

“Takaful Operator”, “we”, “our” or “us” refers to HSBC Amanah Takaful (Malaysia) Berhad.

“Travel Documents” means the following belonging to the Covered Person:

a) Documents of identity: Passport, visa and the like necessary and solely for immigration clearance of the Trip;

b) Travel tickets: Rail pass or integrated public transportation pass with face value exceeding RM1,000 or equivalent,

cruise (lasting 24 hours or longer) ticket or air ticket for the Trip.

“Travel Worldwide Assistance Services” refers to the services provided by a third party service provider

appointed by HSBC Amanah Takaful (Malaysia) Berhad.

“Trip” means a holiday or journey for leisure or business purposes in which a Covered Person leaves from his Place

of Residence or Place of Business to travel outside Malaysia (Overseas) and at the end of which the Covered Person

returns to his Place of Residence or Place of Business.

“Wakalah” means the appointment by one party of another to act on his behalf. In the context of this Certificate, you are

deemed to have appointed us to manage the General Risk Fund.

4. Misrepresentation

4.1 You are required to exercise reasonable care in answering the proposal form and / or in voluntarily disclosing

information to Us. If the information you provide is inaccurate or fraudulently made, or We find that you have

suppressed any material fact, and such information is important to our decision whether to provide coverage to

You under the Certificate, then We may take certain action(s) as provided in this Certificate.

4.2 Deliberate or Reckless Misrepresentation

Where We find any statements, documents, information in relation to this Certificate are untrue, misleading or

suppressed information from us (“Misrepresentation”) and:-

(a) was made recklessly or intentionally; and

(b) are relevant to Us in so far as had such information been properly disclosed to Us, it would have led to:-

(i) Our refusal to issue this Certificate or its renewal, as the case maybe; or

(ii) Us imposing terms that are less favourable to the Participant

then, We may choose to cancel or not renew the Certificate.

If We choose to cancel the Certificate, We will refund the Tabarru’ for the Period of Takaful as stated in the

Schedule.

4.3 Careless or Innocent Misrepresentation

If the Misrepresentation was:-

(a) unintentional or innocent; and

(b) had the statement was correctly or accurately made known to Us at the point of inception of the Period of

Takaful; and

(I) as a result, We would not have issued or renewed the Certificate from the very beginning then, We may

opt to cancel the Certificate and refuse any claim thereunder as if We had never issued or renewed the

Certificate. The Certificate shall be treated as if it was cancelled due to Deliberate or Reckless

Misrepresentation;

OR

(II) as a result, We would have issued or renewed the Certificate but on different terms then, We may

opt to impose those different terms in the Certificate and those terms may be applied retrospectively from

the date of inception of the Period of Takaful as if the Certificate was issued with those terms;

OR

PUBLIC - 10

(III) as a result, We would have issued or renewed the Certificate but with higher contribution or higher

Tabarru’ then we may opt to reduce proportionately the benefit payable from the General Risk Fund

based on Our standard operating methodology for such cases.

If the Certificate is not cancelled according to Part H, We may opt to:-

a) cancel the Certificate as if the Certificate was cancelled due to Deliberate or Reckless Misrepresentation; or

b) continue the Certificate with revised terms or contributions.

If We decide to continue the Certificate, We will notify You in writing of the revised terms or contributions of the

Certificate. You have the choice to accept the revised Certificate or cancel the revised Certificate by replying to

Us in writing within 15 days of delivery of revised terms to You.

If You decide to cancel the Certificate, the benefits payable would be as if the Certificate was cancelled due to

Deliberate or Reckless Misrepresentation. We will refund the the Tabarru’ for the Period of Takaful as stated in

the Schedule.

5. No Assignment

5.1. This Certificate and the benefits hereunder cannot be assigned and notice of any purported assignment thereof

shall accordingly not have any effect.

6. Anti-Money Laundering and Counter Financing of Terrorism

6.1 If we discover or have justified suspicion that you are or become sanctioned by any competent authorities

recognized by us or that you may be in breach of any law, or this Certificate or any Takaful coverage under this

Certificate is exploited for money laundering activities or to finance terrorism, or if any instruction / request given

may lead to a breach of any sanction / law, we reserve the right to reject any instruction / request given or cancel

this Certificate or your Takaful coverage under this Certificate immediately. We may accordingly deal with all

contributions paid and all benefits / sums payable in respect of your Takaful coverage in any manner that we deem

appropriate, including but not limited to handing it over to the relevant authorities.

7. Personal Data Protection Act 2010

7.1 This Clause refers to The Notice to Customers Relating to the Personal Data Protection Act 2010 (“The

Notice”) attached to this Certificate.

7.2 You and the Covered Person (if any) agree to the content of The Notice, as well as consent and authorise Us to

the collection, processing and sharing of all your personal data, such as your full name, I/C Number, address and

medical records, for the purposes and with the parties stated in The Notice.

7.3 You or the Covered Person (if any) can request access to or for correction of your respective personal data or for

information regarding policies and practices and kinds of data held by Us by filling and returning to Us a Data

Access Request form, to the address stated in the Notice.

7.4 You or the Covered Person (if any) also have the right to request that We stop processing your respective

personal data for the purposes of this Certificate by writing to Us at the address stated in the Notice after this

Certificate is issued. In such an event and to comply with the Personal Data Protection Act 2010, we will pay

you the pro rata Contribution equal to the unexpired period of Takaful (if any) and cancel the Certificate.

7.5 We reserve the right to amend the Notice at any time and will place notice of such amendments on Our website

or via any other mode We view suitable.

8. Collection and Use of Customer Information, Financial Crime Risk Management Activity and Tax

Compliance

8.1 This clause refers to the Collection and Use of Customer Information, Financial Crime Risk Management

Activity and Tax Compliance (“Global Clause”) attached to this Certificate. Terms used in this clause shall

have the same meaning as defined in the Global Clause.

PUBLIC - 11

8.2 You and all Connected Person(s) agree to the content of the Global Clause as well as consent and authorise Us

to the collection, processing and sharing of Your and/or any Connected Person(s) personal data, such as your

full name, I/C Number and address for the purposes and with the parties stated in the Global Clause.

8.3 You agree to inform us promptly, in writing if there are any changes to Your or any Customer Information

supplied and to promptly respond to any request from Us.

8.4 If You or a Connected Person fail to provide us with Customer Information that We request or We have

reasonable suspicions regarding the possible commission of a Financial Crime or associated risk, We may:-

a. be unable to provide new Services, or carry out any of Your instructions in relation to this

Certificate; and/or

b. take actions necessary for us or a member of the HSBC Group to meet the Compliance Obligations.

8.5 In addition and subject to Malaysian law and regulations, Your or the Connected Person’s failure to provide

promptly Your or a Connected Person’s, Tax Information when requested may result in Us making our own

decision regarding Your status or a Connected Person’s, including whether to report you or a Connected Person

to a Tax Authority, and may require us to withhold amounts as may be legally required by any Tax Authority

and paying such amounts to the Tax Authority.

8.6 We reserve the right to amend the Global Clause at any time and will place notice of such amendments on Our

website or via any other mode We view suitable.

8.7 In the event there are any inconsistency (ies) between this Clause and the Global Clause, the Global Clause will

prevail.

9. Interpretation

9.1 In this Certificate, unless otherwise stated:

(a) headings are inserted for convenience only and shall not affect the construction of this Certificate;

(b) references to persons shall include a body of persons, associations / societies, partnerships, as well as bodies

incorporated and unincorporated;

(c) words denoting the singular shall where appropriate include the plural and vice-versa;

(d) words denoting a gender shall include every gender; and

(e) references to any notice or request to be given to the us shall be in writing.

9.2 Each provision of this Certificate is severable and distinct from the others and if one or more of such provisions

are or becomes invalid, void or illegal; the enforceability of the remaining provisions of this Certificate shall not

in any way be affected or impaired by it.

10. Currency

10.1 Contributions and benefits payable under this Certificate shall be in Ringgit Malaysia.

11. Subject to Laws, Rules and Regulations

11.1. This Certificate is subject to and shall be performed in accordance with the laws, rules and regulations currently in

force in Malaysia and such laws, rules and regulations shall include but shall not be limited to any circulars,

directives or guidelines now or hereafter issued by Bank Negara Malaysia (including its Shariah Advisory

Council) applicable to the Takaful industry ("Rules and Regulations"). In the event of any conflict between the

provisions of this Certificate and such Rules and Regulations, the Rules and Regulations shall prevail.

11.2. We shall have the absolute authority to make any changes that may be required to comply with the Rules and

Regulations by written notice to you.

PUBLIC - 12

Article IV. C. Contributions & Fees

1. Contribution

1.1 This Certificate is issued and the benefits under this Certificate are available to you in consideration of the

payment of the prescribed contributions on or before it fall due.

1.2 The contribution payable is stated in the Schedule.

1.3 We may revise the contribution for Annual Trip Cover on your Certificate renewal provided we give you at least

Three (3) months’ notice in writing.

2. Contribution Position Upon Cancellation

2.1 If contribution is paid for any period beyond the cancellation of this Certificate, the unutilized contribution shall

be refunded.

3. Wakalah Fee

3.1 Each contribution will be subject to a Wakalah fee which is payable to us.

3.2 Under this plan, the Wakalah fee is fixed at 50% of the contribution.

3.3 We may revise the Wakalah fee payable at any time provided we give you at least Three (3) months’ notice in

writing.

PUBLIC - 13

Article V. D. Funds

1. General Risk Fund and Surplus Distribution

1.1 The contribution paid (less Wakalah fee) for this Certificate will be deposited into General Risk Fund.

1.2 The General Risk Fund is for the collective benefit of all its Covered Participants and provides a means of

financial protection.

1.3 The General Risk Fund is used to pay the Sum Covered and the all the benefits for the relevant coverage under

this Certificate.

1.4 We will manage the General Risk Fund in accordance with principles of Shariah and will avoid investing the assets

of the General Risk Fund in securities and assets prohibited by Shariah.

1.5 We are authorised to and may secure retakaful / reinsurance as we see fit in respect of the General Risk Fund /

Takaful coverage granted under this Certificate. The contribution / premium payable in respect of such retakaful /

reinsurance shall be paid out of the General Risk Fund. All proceeds (if any) from the retakaful / reinsurance

arrangements will be credited into the General Risk Fund.

1.6 All costs, expenses, charges and levies for maintaining and investing the assets of the General Risk Fund and any

other related expenses shall be borne and paid from the General Risk Fund.

1.7 At the end of each financial year, the surplus in the General Risk Fund is determined. Part of the surplus may be

retained for contingencies and subject to Clause 1.8 below, the balance will be distributed to eligible participants.

1.8 As a reward for managing and administering the General Risk Fund, we are entitled to an incentive equal to Fifty

percent (50%) of any surplus distributable from the General Risk Fund. The balance Fifty percent (50%) of any

surplus distributable will be distributed among eligible Covered Participants. If the surplus payable to a Covered

Participant is less than or equal to RM 10.00, it will be donated to a selected charitable purposes approved by the

Takaful Operator’s Shariah Committee.

1.9 If the General Risk Fund is in deficit, we will grant Qard (interest free loan) from our Operator Fund to rectify the

deficit. Future surplus distributable in the General Risk Fund will be used to repay the Qard before the distribution

of any surplus.

1.10 In conformity with Shariah rulings, we are liable for any proven loss to the assets of the General Risk Fund if

such loss is due to our failure to observe provisions of this Certificate.

1.11 The assets and liabilities of the General Risk Fund will be valued at the end of each financial year and

actuarial principles will be applied to assess the surplus distributable. Claims payments and provisions,

retakaful / reinsurance cost, technical reserves, stabilisation reserve and any deficits brought forward will be taken

into account when calculating any surplus arising

1.12 We will strive to manage the General Risk Fund to minimise inherent risks while maximising the surplus by

applying prudent underwriting policies.

PUBLIC - 14

Article VI. E. Overseas Trip Coverage

The relevant benefits for Overseas Trips are listed in the Table of Benefits and are subject to the relevant terms and

conditions described hereunder.

Section 1 - Personal Accident

In the event of Accidental Bodily Injury being sustained by a Covered Person during a Trip which results in death or

disablement, the following benefits will be paid:

Benefits Sum Covered

1. Death RM300,000

2. Permanent Total Disablement RM300,000

3. Loss of two Eyes, two Limbs or one Eye and one Limb RM300,000

4. Loss of one Eye or one Limb RM150,000

Provided That:

1. If the Covered Person is a Child at the time of Accident, the maximum amount payable will be limited to 10% of the Sum

Covered under this benefit.

2. If the Covered Person is aged 71 or above at the time of Accident, the maximum amount payable will be limited to

50% of the Sum Covered under this benefit.

3. No benefit will be payable unless death or disablement occurs within 12 months of the date of the Accidental Bodily

Injury.

4. No benefit is payable unless the Permanent Total Disablement commenced within 30 days after the date of the

Accidental Bodily Injury and until the Covered Person has suffered it for a continuous period of at least 12 months.

5. Benefits 1-4 are not cumulative and only one benefit will be payable for any one event.

If at the time of Accident, a Covered Person has already had amputation or Loss of Use of a hand, arm, foot, leg or has

lost the sight of one or both eyes, such loss shall not be included in assessing any benefit payable under this

Certificate.

Section 2

a) Medical and Other Expenses including Emergency Medical Evacuation

We will reimburse up to RM300,000 per Covered Person including Emergency Medical Evacuation if the Covered

Person suffers Accidental Bodily Injury or Sickness during a Trip requiring urgent treatment. In such circumstances,

we will reimburse the Covered Person for:

a1 Medical Treatment Expenses, additional accommodation and travelling expenses necessarily incurred outside

Malaysia within 12 months of the date of incident giving rise to the claim as a direct result of Accidental

Bodily Injury sustained by or Sickness of the Covered Person occurring during the Trip.

b1 Emergency Medical Evacuation Expenses

If as a result of an Accidental Bodily Injury sustained or Sickness commencing during a Trip it is judged

medically appropriate to move the Covered Person to another location for medical treatment, or to return the

Covered Person to Malaysia, Travel Worldwide Assistance Services will arrange for the evacuation utilising the

means best suited to do so, based on the medical severity of the Covered Person's condition. We shall reimburse

directly the covered expenses for such evacuation.

The means of evacuation arranged by Travel Worldwide Assistance Services may include air ambulance, surface

ambulance, regular air transportation, railroad or any other appropriate means. All decisions as to the means of

transportation and the final destination will be made by Travel Worldwide Assistance Services and will be based

solely upon medical necessity.

Covered expenses are expenses for services provided and / or arranged by Travel Worldwide Assistance Services

for the transportation, medical services and medical supplies incurred as a result of an emergency medical

evacuation of a Covered Person.

PUBLIC - 15

Exclusions

We will not reimburse any Emergency Medical Evacuation Expenses for:

1. Any expenses incurred for services provided by another party for which the Covered Person is not liable

to pay, or any expenses already included in the cost of a scheduled Trip.

2. Any expenses for a service not approved and arranged by Travel Worldwide Assistance Services. This

exclusion shall, at our discretion be waived if the Covered Person or his travelling companions

cannot notify Travel Worldwide Assistance Services during an emergency medical situation for

reasons beyond their control. In any event, we reserve the right to reimburse the Covered Person only

for those expenses incurred for service which Travel Worldwide Assistance Services would have

provided under the same circumstances and up to the limit for emergency medical evacuation expenses.

3. Evacuation expenses relating to Pre-existing Condition.

b) Medical Expenses

We will reimburse the Covered Person for:

Follow Up Medical Expenses

Up to RM30,000 for necessary Medical Treatment Expenses reasonably incurred in Malaysia by the Covered

Person within 3 months after the Covered Person's return from the Trip, such expenses having resulted from an

Accident or Sickness overseas which occurred during the Trip.

Compassionate Visit Overseas

Up to RM5,000 for reasonable additional accommodation and travelling expenses limited to a round trip economy

class air ticket incurred by a family member or travelling companion when required on medical advice to remain or

travel with a Covered Person who has been hospitalised due to their serious medical condition.

Provided That:

No benefit will be payable for the first RM50 of each and every claim for each Covered Person.

Provisions

The reimbursements for Section 2 a) and b) are subject to the following:

1. Children are entitled to an aggregate maximum benefit of RM300,000 only

2. If the Covered Person is aged 71 or above at the time of Accident or Sickness, the maximum amount payable

will be limited to 50% of the Sum Covered under this benefit.

3. No benefits will be paid for:

(I) treatment obtained in Malaysia, except as provided for under the Follow Up Medical Expenses benefit of this

Section;

(II) surgical and medical treatment which in the opinion of the Registered Medical Practitioner treating the Covered

Person can be reasonably delayed until the Covered Person's return to Malaysia or arrival in the country of final

destination in the case of travellers not returning to Malaysia;

(III) the additional cost of a single or private room at a Hospital or charges in respect of special or private nursing;

wheelchair, crutch or any other similar equipment;

(IV) any cosmetic surgery, eyeglasses and refraction or hearing aids, and prescriptions thereof, except as necessitated

by accidental injuries occurring during a Trip; or

(V) treatment relating to Pre-existing Condition.

c) Repatriation of Remains

In the event of death of a Covered Person, we will reimburse up to RM2,000,000 in respect of reasonable charges or

cost of transport of body or ashes to place of initial departure.

d) Return of Children

In the event any of the Covered Person aged 12 or below who:

1. is travelling with the Covered Participant; and

2. is left unattended overseas by reason of the Covered Person's Accidental Bodily Injury or Sickness resulting in

hospital confinement or death,

We will reimburse up to RM5,000 in respect of the reasonable additional accommodation and travelling expenses

limited to a round trip economy class air ticket incurred for returning the Child back to Malaysia.

PUBLIC - 16

Provided That:

No benefit will be payable for the first RM50 of each and every claim for each Covered Person.

e) Burial and Cremation

In the event of death of a Covered Person, we will reimburse up to RM5,000 in respect of reasonable charges, for burial

or cremation of the Covered Person outside Malaysia in the locality where death occurs.

Exclusion

No benefit will be paid for claims arising from Pre-existing Condition.

Section 3 - Hospital Cash Benefit

In the event that the Covered Person is admitted to a Hospital overseas as an in-patient clue to Accidental Bodily Injury

or Sickness sustained overseas during a Trip, we will pay a benefit of RM250 for every complete day the Covered Person

is hospitalized subject to a limit of RM5,000 for any one event.

Exclusion

No benefit is payable for hospitalization relating to a Pre-existing Condition.

Section 4 - Baggage and Personal Effects

We will indemnify each Covered Person to the maximum amount of RM5,000 for loss or damage to baggage owned by a

Covered Person, taken, sent in advance or purchased on a Trip (including clothing and personal effects worn or carried on

the person, in trunks, suitcases and receptacles), occurring during a Trip.

Provided That:

1. No benefit will be paid unless:

a) The Covered Person takes reasonable and proper care for the safety of the baggage and personal effects,

including examination of baggage when received.

b) The Covered Person, being aware of any destruction, loss or damage to the baggage and personal effect, gives

immediate notice:

(I) to the police; in the case of theft, loss or wilful damage by a third party; or

(II) to the carrier; in the case of loss or damage in transit.

2. We will pay a maximum of RM500 per item, pair or set for each Covered Person and up to RM1,000 for computer

laptops/notebooks.

3. No benefit will be payable for the first RM50 of each and every claim for each Covered Person.

4. No benefit will be paid:

(a) for normal wear and tear, gradual deterioration, mechanical or electrical breakdown or derangement;

(b) for loss or damage arising from delay, confiscation, detention, requisition or destruction by customs or other

officials or authorities;

(c) for loss or damage to money, plastic money including credit cards, and other instruments of payment, bonds,

coupons, stamps, negotiable instruments, title deeds, manuscripts, securities, travel documents or documents of

any kind;

(d) for breakage of or damage to fragile articles including any electronic device, glass, record players, television

apparatus, musical instruments, sewing machines, sculpture, household goods or equipment unless occasioned

by accident to the conveyance in which the baggage is being carried;

(e) for loss or damage to any business goods or samples;

(f) for damage to or replacement of any electronic data or software;

(g) in respect of loss or damage arising from confiscation or detention by Customs or other officials ;

(h) in respect of losses or damage not reported to the police within 24 hours upon discovery unless a police report

is obtained; or under this Section if payment has been made for the same loss under Section 5 - Delayed

Baggage.

PUBLIC - 17

Section 5 - Delayed Baggage

We will reimburse up to RM800 for each Covered Person for emergency purchases of essential items or clothing purchased

due to delay or misdirection of baggage during a Trip for at least 8 hours from time of arrival at destination overseas due

to delay or misdirection in delivery.

Section 6 - Personal Money and Travel Documents

We will reimburse for Accidental loss of Personal Money or Travel Documents taken on the Trip up to the limit

specified below for each Covered Person.

Personal Money – up tp RM800

Travel Documents – up to RM5,000

Such loss must be reported to the police having jurisdiction at the place of loss, as soon as practicable, within 24 hours

of the loss, or discovery of the loss. Any claim must be accompanied by written documentation from such police.

Provided That:

1. No benefit will be payable for:

(a) Shortages due to error, omission, exchange or depreciation in value.

(b) Loss of travellers' cheques not immediately reported to the local branch or agent of issuing authority.

(c) Personal Money belonging to Covered Person below the age of 12 years Age Last Birthday, except for Covered

Person who are Children aged 12 to 17 Age Last Birthday travelling alone upon payment of adult contribution

where our liability shall be limited to RM400.

(d) The first RM50 of each and every claim for each Covered Person in respect of Travel Documents.

2. In respect of tickets and passes, our maximum liability shall be limited to reimbursement of actual replacement cost

necessarily incurred by the Covered Person or proportionate share of the unused portion of the tickets / passes,

whichever is the less.

Section 7 - Personal Liability

We will indemnify the Covered Person (excluding a Covered Person who is a Child or Children) against his legal liability to

a third party which may arise during a Trip up to a limit of RM1,000,000 as a result of:

i) Accidental Bodily Injury to any third party; or

ii) Accidental loss of or damage to property belonging to a third party.

Such indemnification shall include payments made in respect of:

(a) third parties legal costs and expenses recoverable from the Covered Person; or

(b) the Covered Person's legal costs and expenses incurred with our prior written consent.

Provided That:

1. The Covered Person shall not admit liability or enter into any settlement without obtaining our written consent.

2. There will be no payment under this Section unless judgements are delivered in the first instance by or obtained from a

court of competent jurisdiction within Malaysia.

3. No benefit will be paid for loss or damage arising directly or indirectly from, in respect of, or consequent upon:

(a) employer's liability, contractual liability or liability of a member of a Covered Person's family;

(b) liability incurred by the acts of animals belonging to or in the care, custody or control of the Covered Person;

(c) any wilful, malicious or unlawful act;

(d) pursuit of trade, business or profession;

(e) property belonging to or held in trust, or in the care, custody or control of a Covered Person;

(f) ownership or occupation of land or building (other than occupation only of any temporary residence);

(g) liability arising out of the ownership, possession or use of vehicles, aircraft, or watercraft;

(h) any criminal proceedings, fines, penalties or punitive damages;

(i) the influence of intoxicating liquor, racing, rallies or the use of firearms;

(j) pollution unless due to sudden, unintended and unexpected occurrence; or

PUBLIC - 18

(k) asbestos, or any actual or alleged asbestos related injury or damage involving the use, presence, existence

(l) detection, removal, elimination or avoidance of asbestos or exposure or potential exposure to asbestos.

Section 8 - Travel Delay

If, during a Trip, the departure of the Common Carrier in which the Covered Person has arranged to travel is delayed for at

least 8 hours from the time specified in the travel itinerary supplied to the Covered Person, due to strike or industrial action,

hijack, adverse weather conditions, mechanical breakdown, structural defect or derangement of that Common Carrier, we

will pay RM250 for each full 8 hours' delay (the delay being calculated from the departure time of the Common

Carrier specified in the itinerary) up to a maximum limit of RM2,500 per Covered Person.

Provided That:

1. No benefits will be paid for delay:

(a) arising from failure of the Covered Person to check in with the Common Carrier (or their handling agents)

according to the itinerary supplied to him;

(b) arising from strike, industrial action or any circumstances leading to the delay already existing and known to the

public at:

(I) the cover proposal date (for Single Trip Cover)

(II) date of booking the scheduled Trip (for Annual Trip Cover);

(c) arising from late arrival of the Covered Person at the airport, port or station after check-in time (except for the late

arrival due to strike or industrial action).

2. No benefit will be paid unless the Covered Person obtains written confirmation from the Common Carrier (or their

handling agents) of the number of hours of delay and the reason for such delay.

Section 9 - Cancellation of a Scheduled Trip

For the purpose of this Section, the cover shall become effective and commence upon the approval of the proposal for

(for Single Trip Cover) or from the beginning of the Period of Takaful as specified in the Schedule (for Annual Trip

Cover) whichever is the earlier.

On the cancellation of a scheduled Trip, we will indemnify up to RM18,000 for each Covered Person in respect of losses

of tour or travel or accommodation deposits or payments made with respect to the Covered Person's Trip, which are

irrecoverable from the tour operator, Common Carrier or provider of accommodation.

Provided That:

1. Benefits will be paid under this Section only for cancellation losses arising from:

(a) death whether due to natural or accidental causes, serious bodily injury or serious illness of the Covered Person, a

travelling companion, Covered Person's spouse, parent, parent-in-law, grandparent, child, sister, brother, fiancé,

fiancee or close business associate resident in Malaysia;

(b) witness summons, jury service or compulsory quarantine of the Covered Person;

(c) unexpected outbreak of riot or civil commotion (notwithstanding General Exclusion 1(a) or strike at the planned

destination arising out of circumstances beyond the control of the Covered Person; or

(d) serious damage of the Covered Person's principal residence from fire, flood, or similar natural disaster (typhoon,

earthquake, etc.) within one week from the departure date which requires the Covered Person's presence on the

premises on the departure date.

2. No benefit will be paid for:

(a) loss arising from medical conditions or circumstances in existence prior to the cover proposal date (for Single Trip

Cover), or the date of booking the scheduled Trip (for Annual Trip Cover);

(b) the first RM50 of each and every claim in respect of each Covered Person;

(c) loss arising directly or indirectly from Government regulation or ordinance, delay or amendment of the booked

itinerary or failure in provision of any part of the booked holiday (including error, omission or default) by the

provider of any service forming part of the booked holiday as well as of the agent or tour operator through whom

the holiday is booked;

(d) loss arising directly or indirectly from disinclination to travel or financial circumstances of any Covered Person;

PUBLIC - 19

(e) loss resulting from any unlawful act or criminal procedure of any person on whom the travel plans depend;

(f) loss arising directly or indirectly from failure to notify travel agent or tour operator or a provider of transport

or accommodation immediately it is found necessary to cancel the travel arrangement; or

(g) loss that is covered by any other existing cover scheme, government programme or loss which will be paid or

refunded by a hotel, Common Carrier, travel agent or any other provider of travel and / or accommodation.

Section 10 - Curtailment of Trip

We will reimburse up to RM18,000 for each Covered Person in respect of unused irrecoverable prepaid transport cost or

accommodation charges included in the contracted holiday or Trip and additional hotel and repatriation costs to Malaysia

incurred due to necessary and unavoidable Curtailment of a Trip as a direct result of:

(A) the death, serious bodily injury or serious illness of the Covered Person, a traveling companion, Covered

Participant's spouse, parent, parent-in-law, grand-parent, child, brother, sister, fiancé, fiancée or close business associate

resident in Malaysia; or

(B) riot or civil commotion (notwithstanding General Exclusion 1(a)) or hijack occurring outside Malaysia which first

occurs during the Trip.

Provided That:

1. Benefits will only be paid under this Section when any event giving rise to a claim did not exist at the time of the cover

proposal date (for Single Trip Cover) or the date of booking the scheduled Trip (for Annual Trip Cover).

2. No benefits will be paid:

(a) for claims arising from medical conditions or circumstances in existence prior to the cover proposal date (for

Single Trip Cover) or the date of booking the scheduled Trip (for Annual Trip Cover); or

(b) if the person whose condition gives rise to any claim was receiving in-patient treatment in a hospital, or had

received a terminal prognosis at the cover proposal date (for Single Trip Cover) or the date of booking the

scheduled Trip (for Annual Trip Cover).

3. No benefits will be payable for the first RM50 of each and every claim in respect of each Covered Person.

Section 11 - Loss of Deposit

We will reimburse up to RM15,000 for each Covered Person for loss of irrecoverable charges paid in advance, only if

the trip is cancelled within the Period of Takaful as a result of:

(A) licensed travel agent / tour operator absconding with your money; or

(B) closure of licensed travel agent / tour operator as a result of financial collapse or default.

For the purpose of this section, the Period of Takaful shall become effective and commence:

1. upon the approval of the proposal, for Single Trip Cover and cancels on commencement of the planned trip from

Malaysia; and

2. from the beginning of the Period of Takaful for Annual Trip Cover and cancels on commencement of the planned trip

from Malaysia.

Provided That:

(a) any loss that is covered by any other existing cover or takaful scheme, government programme or loss which will

be paid or refunded by a hotel, carrier, travel agent or any other provider of travel and / or accommodation; and

(b) the first RM250 of each and every claim in respect of each Covered Person.

Section 12 - Missed Travel Connection

We will pay a cash benefit of RM250 for each 8 hours, up to RM1,000 in the event the Covered Person missed the

connecting flight, voyage or train connection arising from the delay of the conveyance in which the Covered Person was

travelling as a passenger to the place for the Covered Person's connecting flight, voyage or train connection.

Provided That:

1. The Covered Person must have received a confirmed reservation on the connecting flight, voyage or train connection.

PUBLIC - 20

2. The missed flight, voyage or train connection must be verified in writing by the operator(s) of the airline / cruise /

ferry / train services or their handling agent(s).

3. No alternative onward or transportation is made available to the Covered Person for more than 8 hours from the actual

arrival time.

Section 13 - Overbooked Flight

We will pay a cash benefit of RM250 for each 8 hours up to a maximum of RM1,000, in the event the Covered Person is

denied from boarding the aircraft arising from the overbooking of the flight in which the Covered Person had received a

confirmed reservation from the travel agent or airline.

Provided That:

1. The inability to board the aircraft and the overbooking of the flight must be verified in writing by the operator(s) of

the airline or their handling agent(s).

2. The Covered Person is not provided reimbursement from the travel agent or the airline due to being denied from

boarding the aircraft which he has a confirmed reservation.

Section 14 - Missed Departure

We will reimburse up to RM1,000 for each Covered Person, for additional accommodation and travel expenses

necessarily and reasonably incurred during initial departure from your Place of Residence or Place of Business or

destination stop in Malaysia or from your accommodation or business place overseas (whichever is later), as a result of

failure of public transport services to get the Covered Person to the departure port, airport or train station as stated in the

Covered Person's schedule ticket.

Provided That:

1. No benefits will be payable for the first RM50 of any and every incident giving rise to a claim.

2. We will not pay for any event which is a result of

(a) the Covered Person's failure, other than failure of the public transport services to check in at the airport, station

or port according to the travel itinerary given to the Covered Person;

(b) late arrival at the airport, station or port, after check-in or booking in time (except for the late arrival due to failure

of the public transport services);

(c) failure of the public transport services arising from strike or industrial action which commenced or was announced

before the date of departure from your Place of Residence or Place of Business; or

(d) failure of the public transport services arising from strike or industrial action which commenced or was

announced before the date of departure from your Place of Residence or Place of Business.

Section 15 - Additional Cost of Rental Car

We will reimburse up to RM1,000 for the additional costs of a rental car if you are unable to return a hired car from a

licensed rental agency to the nearest hire depot due to the Covered Person's injury or serious illness which requires

hospitalisation.

Provided That:

The coverage under this Section only applies if you are liable for the cost under the car rental agreement.

1. No benefits will be payable for the first RM50 of any and every incident giving rise to a claim.

2. We will not pay for any event which is a result of:

(a) the Covered Person's failure to comply with all the requirements of the rental agreement;

(b) the Covered Person taking part in or practising for speed or time trials of any kind;

(c) the Covered Person being not fully licensed to drive the vehicle; or

(d) loss or damage arising from wear and tear, gradual deterioration, damage from insects or vermin, inherent

vice, latent defect or damage.

Section 16 - Hijacking and Terrorism

We will pay up to RM250 for each 8 hours up to a maximum limit of RM1,000 per Covered Person as a

distress compensation caused by hijacking or terrorism.

PUBLIC - 21

Section 17 - Home Protection

We will pay up to RM1,000 per Covered Participant , either by payment or at our option, by reinstatement or repair, to

indemnify you against physical loss or damage to the contents, valuables and / or stamp, coin, medal collections, works

of art based within your Place of Residence in Malaysia that was left vacant because of your Trip, caused by fire during

the Period of Takaful, but only after your Trip commences.

Provided That:

1. No benefits will be payable for the first RM50 of any and every incident giving rise to a claim.

2. We will not pay for claims arising directly or indirectly from, in respect of, or due to:

(a) any loss or damage occasioned through the willful act of the Covered Person or with the connivance of the

Covered Person; or

(b) loss or damage occasioned by cessation of work; or by confiscation, commandeering, requisition or destruction

of or damage to the property by order of the Government de jure or de facto or any public municipal or local

authority of the country or area in which the property is situated; or occasioned to property by its own

fermentation, natural heating or spontaneous combusting or by its undergoing any heating or drying process.

PUBLIC - 22

Article VII. F. General Exclusions

This Certificate does not cover:

1. Claims arising directly or indirectly as a result of:

(a) riot, civil commotion, war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war,

rebellion, revolution, insurrection, military or usurped power or confiscation or nationalization or the act or order of

any government or public or local authority;

(b) ionising radiation or contamination by radioactivity from any nuclear fuel or from nuclear waste from any process of

nuclear fission, or from any nuclear weapons materials;

(c) suicide or attempted suicide, willfully self-inflicted injury, childbirth, pregnancy, miscarriage, insanity, alcoholism

or the use of drugs (other than drugs taken in accordance with treatment prescribed and directed by a Registered

Medical Practitioner but not for the treatment of drug addiction), self-exposure to needless perils (except in an

attempt to save human life), venereal disease, AIDS or AIDs related complex;

(d) Engaging in:

(I) racing other than on foot;

(II) motor rallies and competitions;

(III) professional sports or activities in return for income or remuneration; or

(IV) aviation other than as a fare-paying passenger in a licensed aircraft operated by a recognised airline or air

charter company which is duly licensed by the relevant authorities for the regular transportation of fare-paying

passengers.

2. Claims arising from incidents not notified in writing to us within 60 days of the expiry of such Trip.

3. Claims arising from illegal acts of a Covered Person or a Covered Person's executors or administrators, legal heirs or

personal representatives.

4. Claims in respect of any property otherwise covered.

5. Any act of nuclear, chemical or biological terrorism ("NCB terrorism") regardless of any other ca use or event

contributing concurrently or in any other sequence to the loss.

For the purpose of this clause:

An act of "NCB terrorism" shall mean an act, including but not limited to the use or the threat thereof, of any nuclear

weapon or device or the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous Chemical

agent and / or Biological agent during the period of this cover by any person or group(s) of persons. This applies

whether the person(s) is / are acting alone or on behalf of or in connection with any organization(s) or government(s),

committed for political, religious, ideological or similar purpose including the intention to influence any government and

/ or to put the public, or any section of the public, in fear.

"Chemical" agent shall mean any compound which, when suitably disseminated, produces incapacitating, damaging or

lethal effects on people, animals, plants or material property.

"Biological" agent shall mean any pathogenic (disease producing) microorganism(s) and / or biologically produced

toxin(s) (including genetically modified organisms and chemically synthesized toxins) which cause illness and / or death

in humans, animals or plants.

This clause also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting

from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to any act of

NCB terrorism.

If we allege that by reason of this clause, any loss, damage, cost or expense is not covered by this Certificate, the

burden of proving the contrary shall be upon the Covered Person.

PUBLIC - 23

Article VIII. G. General Certificate Conditions - Applicable To all Sections

1. Other Takaful or Insurance Cover

If the Covered Person is entitled to payment under any other Takaful or Insurance cover in circumstances where

he would be entitled to claim under this Certificate (except as provided by Section 1 - Personal Accident,

Section 3 - Hospital Cash Benefit, Section 8 - Travel Delay in Part E. Overseas Trip Coverage as applicable), we

will only be liable for amounts not recoverable from such other Takaful or Insurance cover.

2. Duplicate Proposal

A Covered Person shall not be covered under more than one TravelSafe coverage plan underwritten by us for the

same Trip. In the event that a Covered Person is covered by more than one TravelSafe coverage plan underwritten by

us, We reserve the right to pay for claim(s) under any one of the certificates and forthwith cancel and refund to the

Covered Participant, the contribution paid in respect of the remaining certificate.

3. Reasonable Care

The Covered Person must exercise reasonable care to prevent Accidents, injury, illness, disease, loss or damage.

4. Hijack

Notwithstanding anything contained in General Exclusion 1(a), in respect of hijack cover, where applicable,

the coverage under this Certificate shall include Accidents arising from the hijacking of any vessel, vehicle or

aircraft upon which the Covered Person is travelling as a bona fide passenger.

5. Notice of Claim

Written notice of claim must be given to us immediately and in any event within 60 days of the completion of

the relevant Trip. Failure to give notice in the time prescribed shall not invalidate a claim if it can be shown

to our satisfaction that notice had been provided as soon as was reasonably practicable. Notice is deemed

given by or on behalf of the claimant to us with information sufficient to identify the Covered Person.

6. Claim Form

Upon receiving a notice of claim, we will provide the claimant with the form required for the filing proof of claim

Medical reports and all proof of loss required by us shall be provided at the expense of the claimant and shall be

in such form and of such nature as we may prescribe.

7. Proof of Claim

Written proof in support of a claim must be provided to us within 30 days from the receipt of the claim form

provided by us as above. Failure to provide such proof within the time required shall not invalidate any claim if it was

not reasonably possible to give proof within such time, provided such proof is furnished as soon as is reasonably

possible, and in no event later than 180 days from the time such proof is otherwise required.

All claims must be submitted with comprehensive supporting information and documentary evidence as we may

require, including but not limited to:

(a) In the case of Personal Accident Benefits:

Hospital and Physician's reports giving details of the nature of the loss and extent and period of disability, police

reports where relevant and in the event of death a copy of the death certificate and the relevant coroner's report;

(b) In the case of Medical and Other Expenses, Hospital Cash Benefit, Loss of Deposit or Cancellation and

Curtailment of Trip:

All receipts, tickets coupons, contracts or agreements relevant to the claim and if the claim be in respect of medical

treatments, a full Physician's report stipulating (a) the diagnosis of the condition treated, (b) the date the disability

commenced in the Physician's opinion and (c) the Physician's summary of the course of treatment including

medicines prescribed and services rendered.

(c) In the case of Baggage and Personal Effects, Delayed Baggage, Personal Money and Travel Documents:

PUBLIC - 24

All details including receipts as to date of purchase, price, model and type of items lost or damaged, receipt of any

emergency purchases of essential items during the Trip, a copy of immediate notification to carrier and his / her

acknowledgement when loss or damage has occurred in transit and certified copy of immediate police report when

loss or damage has occurred in other circumstances. Reports to these authorities must be made within 24 hours of

the occurrence.

In the case of Personal Liability: All correspondences, summons or writs must be submitted to us immediately

upon receipt, unanswered.

8. Physical Examination

We shall have the right and opportunity at our own expense to examine the Covered Person when and so often

as it may reasonably require pending the outcome of a claim under this Certificate.

In the event of the death of the Covered Person, we shall be entitled to have a post-mortem examination carried

out at our own expense, except when such examination is prohibited by law.

9. Payment of Benefit

Benefit payable under this Certificate shall be paid to the Covered Participant or as otherwise directed in

writing by the Covered Participant. In the absence of any such written direction, any benefits unpaid at the time

of the Covered Participant's death shall be paid to the estate of the Covered Participant. Any receipt which the

Covered Participant, or any third party to whom the Covered Participant has directed that payment be made, may

give to us for any benefit paid under this Certificate shall be deemed a final and complete discharge of all liability

of ours.

10. Subrogation

We have the right to proceed at our own expense in the name of the Covered Participant against third parties

who may be responsible for an occurrence giving rise to a claim under this Certificate.

11. Legal Action

No action shall be brought to recover on this Certificate prior to the expiration of 60 days after written proof of

claim has been filed in accordance with the requirements of this Certificate, nor shall such action be brought

at all unless commenced within 180 days from the expiration of 30 days within which proof of claim is required.

12. Arbitration

All differences arising out of this Certificate shall be referred to the decision of an arbitrator to be appointed in

writing by both parties. If they cannot agree upon a single arbitrator, to the decision of two arbitrators of

whom one shall be appointed in writing by each of the parties within two calendar months after having been

required to do so in writing by the other party. In case of disagreement between the arbitrators, the difference shall

be referred to the decision of an umpire who shall be appointed in writing by the arbitrators before entering on

the reference. An award by arbitration shall be a condition precedent to any right of action or suit upon this

Certificate as regards any dispute regarding the amount of our liability under this Certificate.

13. Place of Departure

This cover is only valid for a Trip originating from and within Malaysia.

14. Payment of Contribution

This Certificate is issued and the benefits under this Certificate are available to you in consideration of the

payment of the prescribed contributions. Coverage and claims are valid only subject to the successful collection

of contribution by us and your compliance of the terms and conditions contained herein. We reserve the right to

refuse any coverage or reject any claim resulting from non-payment of contribution.

15. Cash Before Cover

It is a fundamental and absolute special condition of this Certificate that the contribution due must be paid and

PUBLIC - 25

received by us before cover commences.

Article IX. Additions (applicable to Annual Trip Cover only)

1. If the Schedule was issued in the name of the Covered Participant alone, he may include his Eligible Family

Members by submitting a written application to us, specifying the name, sex and age of the person to be covered.

Subject to approval by us, cover for such Eligible Family Members will commence on the first day of the month

following the date when the request was received and a pro rata contribution will be charged to the Covered

Participant's nominated HSBC/HSBC Amanah credit card/credit card-i (issued in Malaysia) account.

2. If the Covered Participant and his Child are covered hereunder, any Child who subsequently becomes an Eligible

Family Member in relation to the Covered Participant shall automatically become a Covered Person at no additional

contribution charge on the date he becomes an Eligible Family Member as defined under Part B Item 3.

Article X. Automatic Extension (applicable to Annual Trip Cover and Single Trip Cover)

The coverage under this Certificate will be automatically extended up to a maximum period of 30 days at no additional

cost if:

(a) any Covered Person suffer serious illness or Accidental Bodily Injury; or

(b) the scheduled public conveyance in which the Covered Pers on is travelling being unavoidably delayed

resulting in you being unable to complete your Trip or return journey within the Period of Takaful specified in the

Schedule.

PUBLIC - 26

Article XI. H. Cancellation

1. Single Trip Cover

No refund of contribution is allowed once the proposal has been accepted. If the contribution is not paid, the coverage

under this Certificate shall be deemed to have been void from the commencement of the Period of Takaful specified in

the Schedule.

2. Annual Trip Cover - Section 1 to 17 of Part 2

(a) If the Covered Participant gives notice in writing to us to cancel his coverage under this Certificate, or to cancel

cover with respect to any Eligible Family Members, such cancellation shall become effective upon the actual receipt

of the notice by us. Provided that no claim has been made or arisen during the Period of Takaful.

(b) If we have given seven (7) days notice of cancellation by registered letter to the Covered Participant at his last

known address, such cancellation shall be effective on the seventh day after such notice has been issued. Refund of

contribution, if any, shall be calculated on a pro-rata basis.

(c) This coverage under this Certificate shall cancel upon the death of the Covered Participant.

(d) This coverage under this Certificate shall cancel upon the renewal date next following the Covered

Participant’s 75th Age Last Birthday.

(e) Any Eligible Family Members shall cease to be a Covered Person upon his death or upon his ceasing to be an

Eligible Family Member.

(f) Cover in respect of a Child shall cancel upon the renewal date next following his 18th Age Last Birthday or

marriage or otherwise ceasing to be a dependent of the Covered Participant, whichever date is the earliest.

(g) Cover in respect of a covered spouse shall cancel upon the renewal date next following his 75th Age Last

Birthday. If the contribution for the Annual Trip Cover is not paid, the coverage under this Certificate shall be

deemed to have been void from the commencement of the Period of Takaful specified in the Schedule.

(h) After payment of the contribution for the Annual Trip Cover, in the event of non-payment of any renewal

contributions, cover shall cancel on the renewal date.

(i) In the event that contribution is paid for any period beyond the cancellation date of the coverage under this

Certificate, or beyond the cancellation date of cover in respect of Eligible Family Members, the amount

overpaid shall be refunded to the Covered Participant.

3. Cancellation of this Certificate

The Master Participant or the Takaful Operator may cancel this Certificate by giving at least Thirty (30) days'

notice in writing to the other. Notwithstanding the cancellation of this Certificate, the Takaful coverage of a

Covered Person will continue until it expires or is cancelled in accordance with the provisions above. The

cancellation of this Certificate will not affect any claims that originated prior to such cancellation.

PUBLIC - 27

ASIA ASSISTANCE NETWORK (M) SDN BHD

Article XII. TRAVEL WORLDWIDE ASSISTANCE SERVICES

HSBC Amanah Takaful (Malaysia) Berhad have arranged for the services to be provided through Asia Assistance

Network (AAN) so as to assist the Covered Person in an emergency overseas.

AAN will provide the following services to the Covered Person(s) under this Certificate.

Travel Worldwide Assistance Services

The Travel Worldwide Assistance Services is only applicable for Overseas Trips Cover. HSBC Amanah Takaful (Malaysia)

Berhad have arranged for the services to be provided through Asia Assistance Network (AAN), so as to assist the Covered

Person in an emergency overseas. To activate the services, please contact Travel Worldwide Assistance Services 24-hour

emergency telephone number by reverse charge call and provide them with the necessary information.

The numbers to call for assistance are as follows:

Within Malaysia: 1 800 88 6122

From Overseas: +603 7965 3828

AAN shall provide the following services to the Covered Person under this Certificate as follows:

SCHEDULE A

[SCOPE OF SERVICES]

1. AAN shall provide or make available the Worldwide Emergency Assistance services 24 hours a day, 7 days a week

throughout the year to a Covered Person traveling to a destination outside Malaysia; subject however to the traveling

period covered by the certificate terms and conditions of the Covered Person.

2. AAN shall only render the following services on a referral arrangement basis only subject to the terms and conditions of

clause 11 of this Agreement hereof.

The following services shall only be organized and managed by AAN upon having received the prior authorization

from HSBC Amanah Takaful (Malaysia) Berhad to do so.

PART I - EMERGENCY MEDICAL ASSISTANCE

(1) 24-hour Tele-Medical Information and Advice

The Covered Person(s) may contact AAN’s 24-hour dedicated hotline made available around the clock for any

assistance required and/or enquiries pertaining to the Program.

When any medical advice is requested during the period where the Covered Person is traveling, AAN shall arrange for

immediate assistance and advice to be given by AAN’s Company Doctor or external physicians/medical professionals

who are well-versed in both English and Bahasa Malaysia languages, and are qualified and licensed to give such

medical advice. The tele-medical consultation provided by AAN’s Company Doctor or the external physicians/medical

professionals shall be regarded as providing personal advice only and shall not be construed as a medical diagnosis

under any circumstances howsoever.

(2) Medical Referral Service

AAN shall provide to the Covered Person, upon request, the name, address, telephone number and, if available, office

hours of physicians, hospitals, clinics, dentists, and dental clinics (collectively referred to as “Medical Service

Providers”). AAN shall not be responsible for providing medical diagnosis or treatment. Although AAN shall make

such referrals, it cannot guarantee the quality of the Medical Service Providers and the final selection of a Medical

PUBLIC - 28

Service Provider shall be based upon the decision of the Covered Person. AAN, however, will exercise care and

diligence in selecting the Medical Service Providers.

(3) Arrangement for Appointments with Medical Practitioners AAN will assist the Covered Person in any arrangement for medical appointments with general practitioners or

specialist doctors when required. AAN shall however not be responsible for the consultation fees or other costs

incurred by the Covered Person when consulting with the general doctors or specialist doctors referred by AAN.

(4) Emergency Medical Evacuation

In the event of a Medical Emergency and where the Covered Person is being hospitalized outside his Usual Country of

Residence, AAN’s Company Doctor, in consultation with the local attending Physician determines that the local

medical facility available is inadequate, AAN shall, upon the authorisation and instruction from HSBC Amanah

Takaful (Malaysia) Berhad, organise and pay for the medical evacuation of the Covered Person to the nearest

hospital/medical institution having adequate medical facility and capable of providing proper care, under constant

medical supervision.

The mode of transport decided will depend on the nature of the Covered Person’s medical condition, the degree of

urgency required on the treatment, the convenience of access to the nearest airport, weather conditions and distance of

the next location of the hospital/medical institution.

(5) Medically Supervised Repatriation

Once the Covered Person’s condition has stabilized and AAN’s Company Doctor, in consultation with the local

attending Physician decides that the Member should be repatriated to his Usual Country of Residence or a

hospital/medical institution nearest to his Usual Country of Residence that is capable of providing proper medical care

and treatment, AAN shall, upon the authorization and instruction from HSBC Amanah Takaful (Malaysia) Berhad,

organize and pay for the repatriation of the Covered Person to that particular hospital/medical institution while

continuing to provide adequate medical facility under constant medical supervision.

The mode of transport decided will depend on the nature of the Covered Person’s medical condition, the degree of

urgency required on the treatment, the convenience of access to the nearest airport, weather conditions and distance of

the next location of the hospital/medical institution.

(6) Arrangement of Hospital Admission Guarantee In the event that the Covered Person requires emergency admission and the Covered Person has no other available

means to meet the required hospital admission deposit, AAN shall upon authorization from HSBC Amanah Takaful

(Malaysia) Berhad provide the hospital guarantee on behalf of the Covered Person.

(7) Dispatch of Essential Medication / Medical Equipment Not Locally Available If AAN’s Company Doctor in consultation with the local attending Physician, determines that specific medical

equipment or medication which are not then generally available in that location in question is medically necessary,

AAN will organize the dispatch of such necessary equipment or medication, provided that such dispatch is not

prohibited by the local rules and regulations. The Covered Person shall bear all costs and charges incurred for the cost

of medicine provided.

(8) Monitoring of Medical Condition In respect of any Covered Person who is hospitalized, AAN shall monitor the Covered Person’s medical condition

from time to time (until the Covered Person is discharged from the hospital) and shall, subject to the prior written

consent of the Covered Person in question, keep such Covered Person’s employer or family informed of that Covered

Person’s medical condition.

(9) Compassionate Visit by Family Member/Friend In the event the Covered Person is hospitalized abroad and the attending Physician’s prognosis indicates that the

Covered Person should be or is expected to be hospitalized for more than seven (7) consecutive days, AAN will

arrange for a round trip economy class air ticket for a family member or friend to visit the Covered Person at his place

of hospitalization.

(10) Return of Dependent Child to the Country of Residence In the event the Covered Person is hospitalized abroad and the Covered Person’s medical condition prevents the

Covered Person from taking care of his accompanying Dependent Child and the Dependent Child is left unattended

due to the Covered Person’s medical condition, AAN will arrange for an economy class single trip air ticket to

PUBLIC - 29

transport the Dependent Child back to the Covered Person’s Usual Country of Residence and if an escort is required,

AAN will also make such arrangement whenever necessary.

(11) Repatriation of Mortal Remains In the event of the death of the Covered Person while traveling abroad, AAN shall, upon the authorization and

instruction from HSBC Amanah Takaful (Malaysia) Berhad, arrange and pay for the transportation of the body or

remains of the deceased Covered Person to the Usual Country of Residence or Home Country of the deceased Covered

Person.

(12) Emergency Travel Service Assistance AAN will assist the Covered Person in making reservations for air ticket or hotel accommodation on an emergency

basis while the Covered Person is traveling abroad. AAN will also provide the Covered Person with arrangement of

emergency cash advancement, such provision of a financial guarantee shall be subject to AAN having secured

payment from the Covered Person through his credit card account or funds from the Covered Person’s family.

(13) Dispatch of Physician In case AAN’s medical team deems that the Covered Person needs to consult a physician but there is no physician

available or close to the location where the Covered Person stays, AAN will assist to dispatch a doctor to see the

Covered Person. HSBC Amanah Takaful (Malaysia) Berhad or the Covered Person shall bear the costs of this benefit

including physician fee and consultation fee.

(14) Hotel Room Accommodation for Convalescence AAN will on behalf of HSBC Amanah Takaful (Malaysia) Berhad arrange and pay for the cost of an ordinary room

accommodation in hotel, incurred by the Covered Person for the sole purpose of convalescence immediately

following his discharge from the hospital, and if deemed medically necessary by both attending physician and

AAN’s Company Doctor.

(15) Claims Enquiry Assistance In the event of the Covered Person suffers from bodily injury or sudden illness resulting in obtaining the emergency

assistance services from AAN, the Member then has any claim inquiry in his/her Certificate, AAN will assist by

advising the Covered Person to contact HSBC Amanah Takaful (Malaysia) Berhad customer service hotline and to

send a notification of such enquiry received from the Covered Person.

PART II – PRE-TRAVEL INFORMATION & EMERGENCY TRAVEL ASSISTANCE

(1) Inoculation and Visa Requirement Information AAN shall provide information concerning inoculation and visa requirements for foreign countries as are specified

from time to time in the most current edition of the World Health Organization Publication “Vaccination Certificates

Requirements and Health Advice for International Travel” (for inoculation) and the “ABC Guide to International

Travel Information” (for visa). AAN shall inform the Covered Person requesting such information that the AAN is

communicating the requirements set forth in a document and AAN shall name such document for the Covered

Person’s knowledge.

(2) Weather and Foreign Exchange Information AAN shall provide information to the Covered Person regarding the exchange rate of major foreign currencies and

weather forecasts and temperatures of foreign countries.

(3) Lost Luggage Assistance AAN will assist the Member who has lost their luggage while traveling by referring the Covered Person to the

appropriate authorities involved.

(4) Lost Passport Assistance AAN will assist the Covered Person who has lost their passport while traveling by referring the Covered Person to the

appropriate authorities involved.

(5) Consulate and Embassy Referral AAN will provide the address, telephone number and hours of opening of the nearest appropriate consulate and

embassy worldwide.

PUBLIC - 30

(6) Customs Requirement AAN will assist to provide information to the Covered Person regarding the information on Customs requirement.

(7) Airport Tax AAN will assist to provide information to the Covered Person regarding the information on airport tax.

(8) Language Information AAN will assist to provide information to the Covered Person regarding the information on language interpretation or

translation.