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MONTHLY BULLETIN - September 2016 - For Members Only


Group Personal Accident

A special tailored made Comprehensive Personal  Accident plan will be launched to cater exclusively for the members of Koperasi Guru Pulau Pinang Berhad.

The plan was designed and undertaken by MPI General Insurance Berhad. This plan will take care of all your financial needs in the event of accident.

The special tailored made plan is value-added benifit to the members and their families as it is the One &Only plan that offers such low premium with extended coverage.

The age of coverage is from 1 month onwards tll the age of 70. This plan includes the expenses for "Sinseh & Chiropractic Treatment" and also includes high coverage for children especially from age of 1 month onwards provided parent or parents are insured simultaneously.

Besides the normal coverage under the Personal Accident Policy, the policy is also extended to cover:
 - Food & Drink Poisoning
 - Animal Bites
 - Strike, Riot & Civil Commotion
 - Insect, Snake or Animal Attack
(except Dengue)
 - Amateur Sport
 - Miscarriage
(Limit as per schedule; due to motor vehicle accident only)
 - ATM Withdrawal
(Cover cash up to RM500.00 in 1 policy year) subject to Police Report & Statement from Bank within bank territory.
 - Sinseh
(Maximum limit of RM50.00 per visit and the overall payment for traditional sinseh treatment u up to RM500.00 peraccident/disablement)

Please refer to the schedule below for benefits & also the annual premium

 SCHEDULE OF BENEFITS

 PLAN 1

 PLAN 2

 PLAN 3

Death

100,000

300,000

500,000

Permanent Disablement

100,000

300,000

500,000

Double Indeminity

200,000

600,000

1,000,000

Medical Expenses

3,000

6,000

800,000

Funeral Expenses

3,000

3,000

3,000

Miscarriage

1,000

1,000

1,000

Snatch Theft

300

300

300

Prosthesis or Wheelchair

1,000

1,000

1,000

Sinseh & Chiropractic Treatment

500

500

500

Hospital Income (up to 180 days)

75

75

75

Impotency or Fertility

10,000

30,000

50,000

ATM withdrawal (in aggregate)

500

500

500

OCCUPATION - Annual Premium
                              
Age 65 & below

 PLAN 1

 PLAN 2

 PLAN 3

Class 1 & 2

111.30

280.90

434.60

Class 3

254.40

N/A

N/A

Buss Driver

349.80

N/A

N/A

OCCUPATION - Annual Premium
  
  Age 65 to 70 (Inclusive of age 70)

 PLAN 1

 PLAN 2

 PLAN 3

Class 1 & 2

174.90

424.00

646.60

Class 3

N/A

N/A

N/A

Buss Driver

N/A

N/A

N/A


** Annual Premium is inclusive of GST (subject to RM10 stamp duty)

** Children only applicable to Plan 1 - Children from 1 month to 23 years old, provided both parents are insured simultaneously.

Note:  Children up to age of 23 may be insured under the above plan provided they are fully dependent and engaged in full time education.

Members below the age of 58 can opt for easy payment scheme (maximum 10 monthly instalments), provided that deducation can be made through your salary.

Those who are interested to take up the coverage are requested to fill up the required form which is available at the Koperasi office at 1-G, King Street, Penang, Tel. No. 04-2610129 or 04-2610222.

Please take note that this is a Group Personal Accident Policy. There will be only a single policy between the Koperasi and the Insurance Company. Therefore, all claims arise shall be paid through the Koperasi and the Koperasi will pay all money due to the registered nominee of the deceased.