Coverage for Accidents Overseas 🤗
It's Okay. Accidents happen. Selected Hello1010 eSIMs come with travel PA insurance whereby you are covered for the following:
Accidental Death
If an accident causes death, a lump sum of RM3,000 will be paid to the next of kin.
Medical Expenses due to Accident
Covers reimbursement for medical expenses up to RM300 (with an excess of RM100) if you get injured in an accident.
Daily Hospital Allowance
If you're hospitalized due to an
accident, you can get a daily allowance of RM35 per day, up to a maximum of 15
days.
Member of PIDM
The benefit(s) payable under eligible policy is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact TMIM or PIDM.
Get your FREE Travel PA
The Okay1010 Travel PA Insurance comes free with the eSIM Japan Infinite Data, the No.1 Japan plan for travellers.
How to Claim & Exclusions
Below are comprehensive guide of what you should do in the event of any occurance leading to eligible claim. If you need further information or assistance, please contact Policystreet at:
Perfectly Simple Sdn. Bhd.
Block D, Platinum Sentral, Jalan Stesen Sentral 2, Level 3-5, Kuala Lumpur, 50470.
Customer Service Hours: 9am - 6pm on weekdays, except for public holidays.
+6018 282 2320
claim@policystreet.com
Summary of actions to be done:
Notification
Notification
Provide written notification of
the incident as soon as possible. The incident should be reported within one
(1) month of occurrence.
Claim Submission
Claim Submission
Claims must be submitted within
twelve (12) months of the incident, except in cases of ongoing legal action or
arbitration. Refer to 'Documents Required for Claims' below.
Medical Advice
Medical Advice
Please seek and follow the advice
of a qualified, registered medical practitioner promptly.
Documentation
Documentation
All necessary documentation,
information, and evidence must be provided as requested, at your expense or
that of your legal personal representative.
Post-Mortem Examination
Post-Mortem Examination
In the event of the insured
person's death, and if a post-mortem examination may be conducted, the
associated costs will be covered.
Basic documents required for claims and additional documents based on the occured events:
● Completed travel claim form
● Copy of Confirmation of Cover(CoC)
● Original boarding pass/Airtickets/Travel Itinerary
● Duly completed E-Payment form
Accidental Death (Sum Insured: RM3,000)
Accidental Death (Sum Insured: RM3,000)
- Copy of death certificate
- Proof of relationship with
insured, along with a photocopy of the claimant's I/C (Identification Card) and
birth certificate, if there is no nomination (for non-Muslims) - Copy of Sijil Faraid for Muslims,
as per Syariah Law
Medical Expenses due to Accident (Sum Insured: Up to RM300 with excess of RM100)
Medical Expenses due to Accident (Sum Insured: Up to RM300 with excess of RM100)
- Diagnosis notes from the attending
doctor - Medical bills / official receipts
Daily Hospital Allowance (Sum Insured: RM35 per day up to a maximum of 15 days)
Daily Hospital Allowance (Sum Insured: RM35 per day up to a maximum of 15 days)
- Copy of inpatient/hospitalization bill
- Copy of discharge summary
This policy does NOT cover death, disability, or other losses resulting from:
War and Related Events
○ War, invasion, acts of foreign enemies, hostilities, civil war, rebellion, evolution, etc.
Mental Health and Self-Harm
○ Insanity, suicide, or attempted suicide.
○ Pre-existing mental or physical conditions.
Illness and Medical Treatment
○ Bacterial or viral infections, diseases, sickness, or medical/surgical treatment (unless needed solely due to an accident covered by this policy).
○ HIV/AIDS and related illnesses.
○ Childbirth, miscarriage, pregnancy, or related complications (unless directly caused by an accident).
○ Hernia resulting from any bodily injury
Certain Activities
○ Riding a two-wheeled motor vehicle as a sport or in a race, unless you have a valid license or are a
passenger
○ Using wood-working machinery
(unless it's a portable hand tool for private use).
○ Flying, except as a fare-paying passenger in a licensed aircraft.
○ Committing or attempting to commit any unlawful or criminal act.
○ Professional sports.
○ Racing (except on foot).
○ Dangerous activities like caving, parachuting, hand gliding, etc.
○ Naval, military, or air force
service or operations.
Nuclear Events
○ Ionizing radiation or radioactive contamination from nuclear fuel or waste.
○ Radioactive, toxic, or explosive properties of nuclear facilities or weapons.
○ Any nuclear material or nuclear energy risks.