MAXIS SNATCH PROTECT

What is Maxis Snatch Protect?

Maxis Snatch Protect is uniquely designed to provide comprehensive accidental and inconvenient coverage for all Maxis subscribers. This plan provides simplified mobile protection like Airtime Guard and in the event subscriber’s wallet, hand bag or briefcase is stolen as a result of Snatch Theft or Robbery, subscribers will automatically be covered under Wallet Guard Plus with a lump sum benefit of RM 500.

Due to the high level of accidents, subscribers are also covered in the event of Accidental Death and Disability, Daily Hospital Income due to Accidents, Accident Medical and Surgical Expense, as well as Emergency Hospital Admission. What’s more, subscribers will enjoy a 15% No-Claim Bonus of all premium paid during the Policy Year.

BENEFITS & COVERAGE

Accidental Death

In the event of an Accidental Death, the Insured Person will receive a lump sum of RM200,000 Plan 7 (or RM400,000 if accidental death arises from snatch theft or robbery*)

Accidental Disability

In the event of an Accidental Disability, the Insured Person will be paid up to RM200,000 Plan 7 (or RM400,000 if accidental disability arises from snatch theft or robbery*). See details below for the pay-out for Accidental Disability :

Accidental Daily Hospital Income

In the event of an accident, and the Insured Person is hospitalized, he/she will receive RM400 a day for up to 365 days Plan 7 (or up to RM146,000). This amount is doubled up to RM800 a day for 365 days Plan 7 (or up to RM292,000) for accidents which arises from snatch theft or robbery*.

There are no restrictions on the choice of hospital or types of rooms because the cash benefits are paid directly to the Insured Person for use in any way.

Accident Medical Expense

This protection provides the Insured Person with up to RM8,000 Plan 7 as reimbursement of medical and hospitalization expenses incurred after an accident, which includes outpatient treatment (or up to RM16,000 if accident arises from snatch theft or robbery*).

Accident Surgical Expense

The Insured Person will also receive up to RM8,000 for surgical expenses such as ambulance charges, medical and surgical fees, consultation fees, anaesthetic, x-rays, medicines and physiotherapy treatment fees in relation to surgery from an accident (or up to RM16,000 if accident arises from snatch theft or robbery*).

Emergency Hospital Admission

In the event of an emergency hospital admission due to accident, this protection provides the Insured Person with RM250 as reimbursement of medical and hospitalization expenses incurred.

Airtime Guard Benefit

If the Insured Person sustains loss of his/her Mobile Phone* as a result of Theft*, this benefit provides the Insured Person with RM300 as reimbursement for Fraudulent Airtime Abuse.

However this policy does not cover the first 10% of any claim for Fraudulent Airtime Abuse*.

Wallet Guard Plus Benefit

If the Insured Person sustains loss of Wallet* as a result of Theft, he/she will receive the lump sum Inconvenience Benefit of RM500.

“Theft” means the act of theft, burglary, robbery or stealing of the Insured Person’s Mobile Phone and/or Wallet committed against the Insured Person outside the Insured Person’s home residence where force or violence are used or threatened with the intention of permanently depriving the Insured Person’s Mobile Phone and provided a report is made to the police or relevant authority having jurisdiction where the act occurred within one (1) hour of the occurrence of the act.

“Mobile Phone” means the Insured Person’s Mobile Phone which was carried by the Insured Person and registered with Maxis at the time of Theft.

“Wallet” means the Insured Person’s personal wallet, handbag, purse, briefcase or other bag which was carried by the Insured Person at the time of Theft, excluding all contents such as cash and other items which may be in the Insured Person’s Wallet at the time of Theft.

“Fraudulent Airtime Abuse” means the use of the Insured Person’s Mobile Phone by an unauthorized person, in the twenty four (24) hours following the Theft of the Insured Person’s Mobile Phone to make unauthorized calls without the Insured Person’s prior consent. Unauthorised calls must be made by the unauthorized person directly from the stolen Mobile Phone.

No Claim Bonus

A No Claim Bonus equivalent to a rebate of 15% of all premiums paid during the Policy Year shall be made to the Insured Person if no claim of insurance was made against the Company under this Policy during the 12-months Policy Year.

Policy Year means each continuous twelve (12) months period throughout which an Insured Person is insured under this Policy the first of which shall start on the Effective Date and thereafter on each Anniversary date.

OTHER BENEFITS

1. 24 hours, worldwide coverage.
2. Lump sum and tax-free cash benefits.
3. Easy payment and automatic renewal.
4. Benefits are paid 100% on top of all other insurance the Insured Person may already have except for the benefits which are on reimbursement basis.
5. No medical examination required.
6. No health questions to answer.

ELIGIBILITY

All Maxis Customers and their Spouse between the ages of 18 and 70 are eligible to enroll in this plan.

GENERAL EXCLUSIONS

The complete exclusion clauses are stated in the Policy. However, the main exclusions are war, illness and diseases, engaging in military duty, illegal acts, suicide, self-inflicted injury, non-prescribed use of drugs or driving while intoxicated, certain hazardous sporting activities like parachuting, hang-gliding, in aviation other than as a fare- paying passenger in an aircraft operated by a licensed airline, professional sports, occupations like law enforcement, off-shore work, lumbering, deep-sea diving and those involving explosives.

*This sheet is a brief description only and is not exhaustive. This is not a contract of insurance. Please refer to full details of the terms and conditions as set out in the policy.

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