Download - The International School Of Penang

FREQUENTLY ASKED QUESTIONS REGARDING SCHOOL INSURANCE
Policy No.:
PG-05054276-NGA
Period of Cover: 1 November 2011 to 31 October 2012
Who is eligible for
the cover
Pupil of Uplands whose name is mentioned in the policy and
having paid the required specific premium.
What does the policy
cover
How much coverage
per pupil
What are some of the
major exclusions
How to claim for
Medical Expenses
due to an accident
Broadly the policy provides cover against Death or Permanent Total
Disablement anywhere in the world caused solely by an accident
and not by sickness, disease or gradual physical or mental wear and
tear.
a. Death: RM25,000
b. Permanent Total Disablement: RM25,000 (Subject to Scale of
Benefits incorporated in the policy)
c. Medical Expenses: RM2,500 maximum per claim
a. War
b. Suicide
c. Parachuting, hang gliding, any kind of racing (other than on foot
or swimming), mountaineering
d. Air travel whether as a crew or passenger in a NON-Licensed
passenger carrying aircraft
e. Liability or claims in respect of illness or disease
a. In case of accident that requires medical attention, it is important
that you seek medical treatment immediately. The fees are
generally payable provided that all such fees or charges are
necessarily and reasonably incurred for professional services
from a fully qualified and registered Medical Practitioner.
b. The total amount you are entitled to claim is RM2, 500 for one
accident. Any amount in excess of RM2, 500 the patient has to
bear the cost for such medical treatment.
c. Medical report from the Medical Practitioner together with
Original Receipts is an absolute necessity. No Claims is payable
without these documents.
d. The insurer does not pay for cost of the Medical Report. Such
cost has to be borne by the claimant absolutely.
SECTION 2
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