Live life to the fullest and without worries with GoInsure Personal Accident, Motor and Travel Insurance. All in one app, All Also OK!
i. GoInsure PA is offered and underwritten by Chubb Insurance Malaysia Berhad Registration No. 197001000564 (9827-A) (“Chubb”), an insurer licensed by Bank Negara Malaysia under the Financial Services Act 2013 and is promoted by U Mobile Services Sdn. Bhd. Registration No. 200401034375 (672884-H) (“U Mobile Services”) to its customers.
ii. GoInsure PA is an insurance product designed to protect you in the event of bodily injury arising from an accident that results in death or permanent disablement as well as medical expenses on a reimbursement basis, accidental hospital income, funeral expenses and mobility expenses due to accident. Kindly refer to the product disclosure sheet for further details.
GoInsure PA provides coverage for the following:
|Accidental death||RM 55,000|
|Accidental disability||Up to RM 55,000|
|Accidental daily hospital Income (payable up to 90 days)||RM 50 per day (up to RM4,500)|
|Accident medical expenses (on a reimbursement basis)||Up to RM 500 per accident
(maximum amount of up to RM2,000 per annum)
|Funeral expenses (due to accident)||RM 2,500|
|Mobility expenses (on a reimbursement basis)||Up to RM 5,000|
GoInsure Personal Accident Insurance is exclusively offered to GoPayz customers who are:
i. Malaysian citizens or permanent residents with valid NRIC; and
ii. aged between 18 up to 70 years on the effective date of coverage. As an illustration, if your date of birth is 28/11/1949, the last renewal date for GoInsure PA will be 27/11/2019, which is a day before you turn 70.
GoInsure PA is a monthly renewable insurance plan that provides coverage of up to 70 years of age.
The coverage shall start once the premium payable is successfully deducted from your GoPayz Account or debit card account linked to your GoPayz Account or charged to your credit card linked to your GoPayz Account.
a. To enjoy the 1-month complimentary premium for GoInsure PA, you must purchase GoInsure PA using your GoPayz account during the by (“Opt-In”) by:
i. selecting the “Personal Accident Insurance” tab under “Financial Services” tab;
ii. selecting GoInsure PA; and
iii. making the premium payment for the GoInsure PA plan selected.
b. Upon successful Opt-In, you will receive 1 complimentary coverage for GoInsure PA which is valid for a period of 1 month effective from the date you receive the Opt-In notification via registered email from Chubb.
No. One customer can only purchase one GoInsure PA policy at one time.
However, if you have purchased more than one GoInsure PA, your insurance coverage will only be effected for the first GoInsure PA purchased. Chubb shall cancel the 2nd GoInsure PA purchased and the premium paid for the GoInsure PA purchased will be refunded to you by Chubb. U Mobile Services shall not be responsible for the 2nd GoInsure PA purchased and the premium refund due for such purchase.
Once you have successfully paid for GoInsure PA, you will receive the GoInsure PA e-certificate and policy wording describing the benefits and your coverage via e-mail from Chubb within 2 working days from the date of your payment.
i. No, there is no waiting period under GoInsure PA.
ii. The coverage of GoInsure PA will be effective immediately upon your successful payment of GoInsure PA.
Yes, you will be entitled to receive the benefits of the coverage of the GoInsure PA purchased, anytime, anywhere around the world, during your GoInsure PA coverage period.
i. The monthly premium due for the GoInsure PA will be deducted from your GoPayz Account or registered debit/credit card.
ii. GoInsure PA will be automatically renewed on a monthly basis provided that the monthly premium is successfully:
a. deducted from your GoPayz account or debit card; or
b. charged to your credit card.
iii. You must ensure you have sufficient credit in your GoPayz account or debit card to pay for the premium chargeable.
iv. If you select to pay using credit card, you must ensure that the premium chargeable does not exceed your credit card limit.
No, your GoInsure PA coverage will automatically terminate once you attain the age of 71.
No, you will not be required to answer any medical questions nor undergo any medical check-up.
Chubb shall remit the benefit amount directly to the insured except for accidental death benefit, where the benefit amount will be payable to the insured’s nominee, or if there is no such nominee, to the person that Chubb is required to pay under the law.
i. The GoInsure PA will not apply to any benefit arising out of the insured person engaging in the following professions when on duty; professional sports, police, firefighters, military, naval, air force, law enforcement services or operations (other than “rukun tetangga” or community policing), cabin attendants, stewards and pilots.
ii. However, the exclusions above are non-exhaustive. Please refer to the GoInsure PA policy for the full list of exclusions under the GoInsure PA.
1. Accidental death/disability
a. If you have other personal accident policies, in addition to GoInsure PA, you or your nominee/beneficiary may submit a claim for accidental death/disability under every personal accident policy you are subscribed to including GoInsure PA.
b. As an illustration, if you have an existing personal accident policy issued by Insurer company A and you purchased GoInsure PA, your nominee or beneficiary can claim the benefit under both, from your personal accident policy issued by company A and your GoInsure PA, in the event of your death due to an accident
2. Medical expenses and mobility expenses
a. You can only claim up to the amount that has been spent for medical and mobility expenses only.
b. If you have submitted a claim for medical expenses and mobility expenses under another personal accident policy, Chubb will only reimburse you the excess amount which are irrecoverable from such other source.
c. As an illustration, if you have an existing personal accident policy issued by company A with a coverage limit of RM500, and you have are subscribed to GoInsure PA, you can claim for medical expenses and mobility expense due to any accident (i.e. if the sum is RM900) suffered by you in the following manner:
i. RM500 from the personal accident policy under company A; and
ii. balance of RM400 from Chubb under your GoInsure PA.
i. Yes, you may terminate your coverage under the GoInsure PA by notifying Chubb via email to goinsure.MY@chubb.com.
ii. Upon receipt of your termination notice by Chubb, you will be entitled to receive coverage until the expiry of the coverage period of such terminated GoInsure PA.
iii. As an illustration, if your GoInsure PA is effective on 1 February 2019 and you send the termination notice to Chubb on 4 February 2019, your GoInsure PA will be terminated on 7 February 2019. However, you will continue to receive coverage under the terminated GoInsure PA until 28 February 2019 (i.e. the expiry date of the GoInsure PA coverage).
It is important that you inform Chubb any changes in your contact details to ensure that all the correspondence reach you on a timely manner.
If there are any changes to your contact details, you may notify Chubb by downloading the Personal Data Correction Request Form from www.chubb.com/my-goinsure and email the duly completed form to Chubb at goinsure.MY@chubb.com
i. Claim for accidental death/permanent disablement benefits
Your GoInsure PA will be immediately terminated upon Chubb’s payment of the benefits due under the accidental death or permanent disablement benefits.
ii. Claim for other benefits
a. The GoInsure PA will not be terminated upon Chubb’s payment of the benefits due.
b. The claim will be based on a reimbursement basis per accident and must not exceed the sum assured.
c. As an illustration, if you are subscribed to GoInsure PA and you received medical treatment with the total cost of RM 400 for bodily injury resulting from an accident, you can only submit a claim of a maximum amount of RM 400 only which is the actual cost of the medical expenses. In this case, the actual claim amount will be lower than the sum assured of RM 500 for accidental medical expenses per accident under your GoInsure PA.
If your claim is payable under the GoInsure PA, Chubb will remit the benefit payment within 14 working days from the day the claim is approved, subject to receipt of full and complete documentation
You can view the transaction history of the GoInsure PA purchased and payment details for the past 3 months via your GoPayz account under the “Transaction” tab.
i. No. The GoInsure PA will be automatically terminated upon termination of your GoPayz Account.
ii. Upon termination of the GoInsure PA, you will be entitled to receive coverage until the expiry of the coverage period of such terminated GoInsure PA.
iii. As an illustration, if your GoInsure PA is effective on 1 February 2019 and your GoPayz Account is terminated on 7 February 2019, your GoInsure PA will be continued until 28 February 2019 (i.e. the expiry date of the GoInsure PA coverage).
You can submit your claim after your GoInsure PA is cancelled for any accident that occurred during the GoInsure PA coverage period subject to your claim limit.
Refund will be credited to your GoPayz account, debit/credit card based on your latest premium payment method.
Yes, you may purchase GoInsure PA for your spouse or child(ren) only, if he/she meets the eligibility requirement for GoInsure PA subject to the terms and conditions imposed for the purchase of GoInsure PA.