Frequently Asked Questions

Who is the underwriter for this policy?
AXA Affin General Insurance Berhad, a licensed general insurance in Malaysia is the underwriter of this policy. AXA Affin General Insurance Berhad is a member of the AXA Group, with over 1,014 billion euros in assets under management and more than 96 million customers around the world. AXA is one of the world’s leading insurers. In Malaysia, it is also a member of the Affin Group, a leader in Malaysia’s financial services sector.

Who is eligible to apply?
Full-time student at a recognized educational institution in Malaysia between 3 and 23 years old.

What is the duration of cover?
Your coverage will be valid for 1 year and will take effect after your application is submitted, paid and accepted by AXA.

How do I pay for my premium?
You can make payment for your premium by bank in into AXA Affin General Insurance Bhd via cash, cheque at our Affin Bank nearest branch or via credit card.

Do I receive a copy of policy schedule and wordings after I have made payment for the insurance?
Yes. Each Education Institution will receive a copy of the Master Policy Schedule and policy wordings, each student will be issued a Certificate of Insurance for their record and safekeeping.

Can I cancel my policy?
No cancellation is allowed once policy has been issued.

Is the claim payable in case of natural death?
No. This policy will cover on accidental death.

Is Accidental Death benefit on Public Common Carrier / School Premises payable in the addition to the Accidental Death benefit?
Yes, it is.

If I am hospitalized, can I claim for Room & Board and also others medical treatment expenses?
Yes, the insured person can claim the Accidental Medical Expenses incurred while he/she is a hospital patient up to RM2,000 for any one accident on reimbursement basis.

Is there any cover if a kidnapping incident happens?
Yes, the compensation for kidnapping extension will be RM15,000 in addition to RM15,000 for Accidental Death, total Compensation is RM30,000.

What is Education Allowance?
In the event if one of the insured's parents or legal guardian suffers Accidental Death or Permanent Disablement. This allowance ensures student is continuously enrolled as a full time student.

If I want to seek Traditional Medical Treatment, can I claim for Traditional Medical Benefit?
Yes. The treatment must be received within 90 days of accident following consultation with a Registered Medical practitioner and the claim must be accompanied with an official payment receipt.

Is there a cover for Dental Treatment?
Yes, if it's due to accident, insured can claim for replacement or repair to the natural teeth damaged after he/she has consulted a Registered Dental practitioner within 24 hour following the date of accident and follow-up dental treatment within 14 days thereafter.

Can I claim for Loss & Damages of Textbooks if the textbooks are a loan from the Government?
Yes, on reimbursement basis, subject to proof of purchase of textbooks.

When can I claim for the Allowance for School / Tuition Fees?
The claim is payable if you are unable to attend school for 2 weeks consecutively due to bodily injury sustained arising from an accident.

Do I get my premium / some portion back in case I don't make a claim?
No.

In the event of claims, will I be responsible for any excess amounts?
No, there's no excess applicable in this policy.

Please click the following for more information on:

• Proposal Form
• Product Disclosure Sheet

For further information, please call us at 03-2055 9931 or 03-2055 9936 or you may download, complete and fax the Proposal Form to 03-2026 4675.