This plan provides coverage for your property occupied solely used for residential purposes against loss or damage by fire, lightning and explosion caused by gas used for domestic purposes. This plan also provides payment of benefits in the event of your accidental death due to fire or theft or robbery with violent and forcible entry at your residence. This plan also compensates you with the emergency cash relief due to damage to the property.

The covers / benefits are summarised below:

Damage to house/house contents due to fire, lightning and domestic explosion

Up to RM 20,000

Compensation on your death or any one of your immediate family members

who is your legal spouse, parents, parents in law or children due to fire or theft or robbery where there is violent a nd forcible entry to the house which results in death within 12 calendar months from the date of the event.

If the death happened to more than one person, only a pro-rata proportion of the benefit amount will be payable for each person. This benefit is payable only once.

Get a lump sum payout of RM 2,500

Emergency cash relief

Due to property damage due to fire or flood or windstorm at the house. This benefit is payable only once

Get a lump sum payout of RM 1,500 for any one loss and in total

Note:

The amount of insurance premium that you have to pay is RM 75.00 (exclusive of service tax and stamp duty).

All premiums (if applicable) will be subjected to relevant charges or taxes, as deemed necessary by the Malaysian tax authorities. It is important to keep any receipt that you receive as proof of payment of premiums.

Service Tax: 8% of the premium

Stamp Duty: RM10.00

Note: Stamp duty payment for annual premium not exceeding RM150 is exempted until 31/12/2025. However, RM10.00 stamp duty shall be payable starting from 1/1/2026.

This policy does not cover:

a. Loss by theft during or after the occurrence of a fire;

b. Earthquake, volcanic eruption or other convulsion of nature;

c. War, civil war and any act of terrorism;

d. Pollution / Contamination;

e. Loss or damage caused by ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear;

f. Loss or damage if the property is uninhabited for more than 90 days.

Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions.