PERSONAL CRIME
(PREVENTION / DURING / AFTER) MOTORING AND HEALTH PROGRAM

CRIME SERVICES | PERSONAL CRIME

Q: What type of assistance is available to me as a crime victim?
A: We can provide the following assistance to a crime victim:

1. Despatch MMSOS Response Officers to the scene of crime for assistance/rescue. This service is available in selected states in Malaysia. (currently in Klang Valley & Penang)
2. MMSOS Response Officer will assist the subscriber to call for police response to prevent crime from taking place.
3. MMSOS Response Officer will assist the subscriber to police station and/or to lodge a police report.
4. MMSOS Response Officer will assist the subscriber to call for an ambulance.
5. MMSOS Response Officer will assist the subscriber in notifying loved ones of the incident by phone.

 

Q: Under what circumstances am I excluded from calling for emergency services?
A: Crime shall not include the following acts or mission whether committed by the subscriber or by third party:

1. Accomplice or accessory to an unlawful crime.
2. Curfew violation.
3. Domestic violence.
4. Driving under the influence of alcohol or narcotics.
5. Drug law violations.
6. Engagement in any unlawful activity.
7. Liquor-law violations.
8. Possession of unlawful weapons.
9. Raids by enforcement agencies
10. Vandalism.

 

PROPERTY CRIME | HOME & MOTOR VEHICLE

Q: If I am not in my house, and it is reported to me by my neighbour that my house has been broken into, can I call for assistance to protect the house from further losses?
A: Yes, we shall despatch our MMSOS Response Officers to check the house whilst we call the police for assistance. We shall not enter your house without permission but will observe and report to you from the outside.

Q: If my car is broken into, can I ask for assistance to drive it to the police station to lodge a report?
A: Yes, if it is impossible to drive the car by yourself or we may arrange for towing service for you.

Q: I am injured after being attacked by a robber who attempted to break into my house or car. (i) Can you send me to the hospital? (ii) Who is responsible for the charges for the ambulance services?
A: Yes

1. We can help arrange for an ambulance to take you to the nearest hospital.
2. Our company or MMSOS will be responsible for the charges for the ambulance services (Limit up to RM200.00 only).

 

HEALTH SERVICES

Q: What services are you providing?
A: The following services are provided, if you are seriously injured following a crime-related incident or car accident injury. We shall:

1. Send subscriber to a hospital or medical centre by arranging for an ambulance (Limit up to RM200.00 only).
2. Assist to notify your loved ones.

 

Q: Do I have to pay for medical bills at the medical centre?
A: Yes. Medical bills are not covered under our program.

Q: Do I get to choose which hospital I want to admit?
A: You have a choice of hospital. However, if ambulance service is not available from the hospital of your choice, you will be given an alternative hospital.

Q: If my father suffers a heart attack at home, can I get you to call an ambulance although my father is not a subscriber?
A: Yes. We will assist by calling ambulance, but the ambulance fee will be borne by the subscriber. Please take note in this kind of situation assistance is given to the subscriber only.

Q: If I can claim from my employer for ambulance charges, will you be responsible for such charges also?
A: You are not entitled to claim twice for your ambulance charges.

MOTORING SERVICES

Q : What services are you providing?
A : We are provide the following Emergency Response Services ;

1. MMSOS Response Team / Mechanics.
2. Call for Police assistance, if needed.
3. Motor Vehicle Towing ( Limit to RM150, 30km only from scene to workshop)
4. Jump start.
5. Flat tyre replacement (Spare tyre must be functional)
6. Minor repairs / Uncomplicated mechanical or electrical malfunction.
7. Breakdown vehicle requiring new battery replacement (Cost will be borne by subscriber)

 

Q : Do I have to pay for any repair cost?
A : Yes, any cost needed to buy any replacement parts for repair will be borne by subscriber.

Q : If I encounter any roadside breakdown and in need of towing assistance, will it be provided?
A : Yes, we can help get Motor Vehicle Towing(Limit to RM150, 30km only from scene to workshop)

Q : If I am involved in an accident and do not have any preference of workshop, how will I get assistance?
A : We will arrange notification to your insurance company, if requested to do so by the subscriber (vehicle must be repaired in a panel workshop / workshop that is willing or able to assist with the insurance claim).

MMSOS RESPONSE

Q: Where is the coverage area of your MMSOS Response Team for crime?
A: Our MMSOS Response Team are available in selected states in Malaysia (currently in Klang Valley & Penang). Expansion to other cities will continue.

Q: Who are MMSOS Response Team?
A: Our MMSOS Response Team consists of employed and contract local Malaysians who are able to respond to an emergency call for assistance whether to assist a crime victim or a road accident victim involving the subscriber’s motor vehicle.

Q: How can I verify that the person assisting me is your MMSOS Response Officer?
A: Our MMSOS Response Officer will be in vest and carries an Identification Card which has the company logo attached with the Respond Officer Picture.

Q: If the MMSOS Response Team demands money, or tips, do I pay? Who do I complain to?
A: Subscriber MUST NOT pay or tip anything to our MMSOS Response Officers and subscriber are encouraged to lodge such complaints directly to our MMSOS Head Office for disciplinary action.

Q: If Subscriber is sexually assaulted, how you can help her?
A: We will report to police, despatch our Response Officer to assist.

Q: Do you have female MMSOS Response Officer to go to the scene?
A: We do not have female MMSOS Response Officers in an emergency despatch. Such emergency assistance are handled by male Response Officers who will assist police action on the spot.

Q: If my husband assaults me, can I call for assistance?
A: No. We do not handle domestic violence other than assist to call for an ambulance if this is needed, as well as assist to notify the police to intervene.

Q: If I am followed by road bullies, can I call for assistance?
A: Yes, please go to the nearest police station, if possible. We can escort you back to your destination if the police cannot assist.

Q: If my family member are with me in a robbery, can I call for assistance if one of them is a victim and not me?
A: Our emergency services are given to the subscriber only. However, in such extraordinary circumstances, we might send our MMSOS Response Officers or call for police assistance.

Q: Do your MMSOS Officers have the power to arrest?
A: No. Our power is limited to citizen arrest if we manage to catch the criminal. We normally call the police at the same time.

Q: Do you work with the police?
A: Yes. We usually call the police for assistance after you press panic button for police. Our job is to assist the police in their job and we do not interfere with their investigation work.

Q: If I am robbed and injured badly and need to go to hospital, can I press panic button for help?
A: Yes. We will arrange for an ambulance.

Q: How soon can you notify my loved ones?
A: As soon as you provide the phone number to convey the message. If the contact number of your loved one is stated in your subscriber registration form, we shall contact the named person upon request.

Q: How fast can I expect your MMSOS Response Team to reach me?
A: Our KPI is within 30 minutes. However, it depends on the hour of day or night. In congested roads in busy sections of the city, we may be able to reach between 30 to 45 minutes. In the night or early mornings, we can reach you between 15 to 30 minutes without traffic jam. Locating you without a fixed address will be more difficult than locating you at your home or workplace. In most circumstances, we also call for police response without further delay.

Q: Can your MMSOS Response Centre liaison officers converse in languages other than Bahasa Malaysia.
A: We have liaison officers that can converse in Bahasa Malaysia, English, Mandarin and most Chinese dialects.

Q: Are your MMSOS Response Officers trained?
A: All our MMSOS Response Officers undergo basic first aid training before they are allowed to go out and assist.

GENERAL ENQUIRIES

Q: When can I start to use the service after filling up the application form and paying for the fees?
A: You can start to enjoy the services after 48 hours upon successful sign up via our mobile application, available via google playstore or ios apple store. You can also call our Hotline number given to you to confirm your application status.

Q: How can I renew my MMSOS membership?
A: You can to renew your MMSOS subscriber through our apps.

Q: What is the difference between your auto assist services compared with my insurance company's free auto assist?
A: Our Scope of Services covers assistance to our subscriber when their motor vehicle is stolen, hijacked, or broken into. We also assist the subscriber to lodge police report if necessary and arrange for ambulance services. Insurance auto assist does not provide such crime-related services; their services are limited to breakdown assistance and car-towing.

Q: Can I know the full scope of services and the terms and conditions of your program?
A: You can request for a copy of the Terms & Conditions from our Website, mmsos.my. The Terms & Conditions will spell out, how you can enjoy the full benefit of services during emergency times.

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Thank you for downloading the MMSOS APPLICATION (here after referred to as "Application" OR "The Application") which is operated by MM Synergy SDN BHD

Access to and use of this Application is provided strictly subject to these terms of use. By downloading The Application from MM Synergy SDN BHD (here after referred to as MMSOS), installing or using this application or any portion thereof , you agree to the following terms and conditions (the "Terms and Conditions"). You must not use this Application if you don't agree to be bound by these the Terms and Conditions. If you don't agree, please uninstall this Application.

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USE OF APPLICATION

1. The Company grants you the non-exclusive, non-transferable, limited right and license to install and use this Application solely and exclusively for your personal use.
2. You may not use the Application in any manner that could damage, disable, overburden, or impair the Application (or servers or networks connected to the Application), nor may you use the Application in any manner that could interfere with any other party's use and enjoyment of the Application (or servers or networks connected to the Application).
3. You agree that you are solely responsible for (and that The Company has no responsibility to you or to any third party for) your use of the Application, any breach of your obligations under the Terms and Conditions, and for the consequences (including any loss or damage which The Company may suffer) of any such breach.
4. The service provided by the Application allows you to call an emergency service appropriate to the circumstances of your event from your mobile device and identify your location to the emergency service operator using GPS coordinates (the "Service"). The Service is subject to the following limitations:
   1. continued use of GPS may dramatically decrease battery life;
   2. there is a risk that the operator receiving an emergency call may transcribe the location coordination incorrectly in which case the relevant emergency service will be sent to the wrong location;
   3. there is a risk that we may not be able show/ translate GPS coordinates at all;
   4. the availability and accuracy of GPS information is subject to limitations arising due to availability of signals, wireless services, Internet Service, the relevant mobile device, location, device permissions, device location service, mobile device battery and geography (GPS signals may be blocked by third person, governing body, military, dense bush or tall buildings, and do not penetrate indoor spaces as well). Accordingly, you accept and acknowledge that use of Application may not be as accurate as calling emergency services from a land line and is subject to the foregoing limitations.
5. The Application may depends on SMS messages (the "SMS Service"). The SMS Service is subject to the following limitations:
   1. The "SMS Service" availability depends on your mobile data plan, available account credit, mobile device abilities, Application permissions, Application configuration set by you, and network coverage. We cannot guarantee that the SMS will reach to all or any emergency contacts;
   2. there is a risk that the SMS are sent but may have been put in queue to deliver by your mobile device, battery life, network, or by the network provider. Accordingly, you accept and acknowledge that use of Application may not be the best option for you.
6. The Application is build as an additional tool for helping you in emergency situation. However, Application functionaries have many dependencies. Including but not limited to, mobile devices, Application configuration, your actions, availability of other required services as described in point (d) and point (e).
7. You can include this locations in your emergency message. The Application is not responsible for accuracy of GPS information or its contents.
8. The service provided by the Application allows you to view Country Emergency Numbers, which may not be accurate, or require special arrangements to be used from Phone. Without telecommunication provider, you may not be able to call these numbers.

CHARGES

In accordance with your agreement with your telecommunications provider, data download charges may apply to any download of the Application and to any upgrades of the Application you request. In addition, your telecommunications provider may impose data download charges for the ongoing use of the Application. The Application depends on telecommunications provider for SMS, GPS, Call services. You may get charged for these services without any notice.

PROPRIETARY RIGHTS

You acknowledge that (a) the Application contains proprietary and confidential information that is protected by applicable intellectual property and other laws, and (b) The Company and/or third parties own all right, title and interest in and to the Application and content, excluding content provided by you, that may be presented or accessed through the Application, including without limitation all Intellectual Property Rights therein and thereto. "Intellectual Property Rights" means any and all rights existing from time to time under patent law, copyright law, trade secret law, trademark law, unfair competition law, and any and all other proprietary rights, and any and all applications, renewals, extensions and restorations thereof, now or hereafter in force and effect worldwide. You agree that you will not, and will not allow any third party to, (i) copy, sell, license, distribute, transfer, modify, adapt, translate, prepare derivative works from, decompile, reverse engineer, disassemble or otherwise attempt to derive source code from the Application or content that may be presented or accessed through the Application for any purpose, unless otherwise permitted, (ii) take any action to circumvent or defeat the security or content usage rules provided, deployed or enforced by any functionality (including without limitation digital rights management functionality) contained in the Application, (iii) use the Application to access, copy, transfer, transcode or retransmit content in violation of any law or third party rights, or (iv) remove, obscure, or alter The Company's or any third party copyright notices, trademarks, or other proprietary rights notices affixed to or contained within or accessed in conjunction with or through the Application. This license does not allow you to use the licensed application on any mobile device that you do not legally own, and you may not distribute or make the Application available over a network where it could be used by multiple devices at the same time. You may not rent, lease, lend, sell, redistribute or sublicense the Application.

THE COMPANY TERMS OF SERVICE AND PRIVACY POLICY

1. The Company's Privacy Policy explains how The Company treats your information and protects your privacy when you use the Application. You agree to the use of your data in accordance with The Company's privacy policies.
2. The Application may contain features that are used in conjunction with The Company's search and other services. Accordingly, your use of such features of the Application is also governed by The Company's Terms of Service, The Company's Privacy Policy, as well as any applicable The Company Service-specific Terms of Service and Privacy Policy, which may be updated from time to time and without notice.

TERMINATION

This Agreement commences when you click "install" as part of the Application. These Terms and Conditions will continue to apply until terminated by either you or The Company as set forth below. You may terminate these Terms and Conditions at any time by permanently deleting the Application from your mobile device in its entirety. Your rights automatically and immediately terminate without notice from The Company or any Third Party if you fail to comply with any provision of these Terms and Conditions. In such event, you must immediately delete the Application. Upon termination of the license, you shall cease all use of the Application, and destroy all copies, full or partial, of the Application.

INDEMNITY

To the maximum extent permitted by law, you agree to defend, indemnify and hold harmless The Company, its affiliates, and their respective directors, officers, employees and agents from and against any and all claims, actions, suits or proceedings, as well as any and all losses, liabilities, damages, costs and expenses (including reasonable attorneys fees) arising out of or accruing from your use of the Application, including your downloading, installation, or use of the Application, or your violation of these Terms and Conditions. You remain liable for all and any act or omission that any person, organisation or entity undertakes as a result of Content sourced via the Application.

DISCLAIMER OF WARRANTIES

1. YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE APPLICATION IS AT YOUR SOLE DISCRETION AND RISK AND THAT THE APPLICATION IS PROVIDED AS IS AND AS AVAILABLE WITHOUT WARRANTY OF ANY KIND.
2. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR MOBILE DEVICE, OR OTHER DEVICE, OR LOSS OF DATA THAT RESULTS FROM SUCH USE.
3. THE COMPANY FURTHER EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, WITH RESPECT TO THE APPLICATION.
4. THE APPLICATION IS NOT INTENDED FOR USE IN THE OPERATION OF NUCLEAR FACILITIES, LIFE SUPPORT SYSTEMS, EMERGENCY COMMUNICATIONS, AIRCRAFT NAVIGATION OR COMMUNICATION SYSTEMS, AIR TRAFFIC CONTROL SYSTEMS, OR ANY OTHER ACTIVITIES IN WHICH THE FAILURE OF THE APPLICATION COULD LEAD TO DEATH, PERSONAL INJURY, OR SEVERE PHYSICAL OR ENVIRONMENTAL DAMAGE.
5. AN EXTERNAL THIRD PARTY PROVIDER IS RESPONSIBLE FOR PROVIDING GPS INFORMATION USED IN CONNECT WITH THE SERVICE. THE AVAILABILITY AND ACCURANCY OF SUCH INFORMATION IS BEYOND THE APPLICATION CONTROL. ACCORDINGLY, LOCATION DATA PROVIDED IN CONNECT WITH ANY SERVICE IS FOR BASIC LOCATION IDENTIFICATION PURPOSES AND SUBJECT TO THE LIMITATIONS SET OUT IN PARAGRAPH (1) USE OF APPLICATION) ABOVE.
6. THE APPLICATION AND THE COMPANY DISCLAIM ALL LIABILITY FOR OR IN CONNECTION WITH: (i) ANY MISUSE OR MISUNDERSTANDING OF ANY CONTENT CONTAINED IN THE APPLICATION; (ii) ANY LOSS, DAMAGE OR INJURY, BE IT HEALTH, FINANCIAL OR OTHERWISE, SUFFERED BY ANY INDIVIDUAL, GROUP OR ANY REASON; (iv) THE ACTION OR OMISSIONS OF ANY FUNCTIONALITY PROVIDED BY APPLICATION.

   ORGANISATION ACTION UP ON RELAYING ON INFORMATION CONTAINED WITHIN THE APPLICATION; (iii) ANY UNAVAILABILITY OF THE APPLICAITON OR THE SERVERICE FOR

LIMITATION OF LIABILITY

You expressly understand and agree that the company, its subsidiaries and affiliates, and its licensors are not liable to you under any theory of liability of for any direct, indirect, incidental, special consequential or exemplary damages that may be incurred by you through your use of the application, including any loss of data or damage to your mobile device, whether or not the company or its representatives have been advised of or should have been aware of the possibility of any such losses arising.

CONSENT TO USE OF DATA

You agree that The Company may collect and use technical data and related information, including but not limited to technical information about your device, system and application software and, peripherals, that is gathered periodically to facilitate the provision of software updates, product support and other services to you (if any) related to the Application. The Company may use this information, as long as it is in a form that does not personally identify you, to improve its products or to provide services or technologies to you. To extend that you furnish any personal information will be dealth with by The company in accordance with Company privacy policy as amended from time to time without any notice.

MISCELLANEOUS

1. These Terms and Conditions constitute the entire Agreement between you and The Company relating to the Application and govern your use of the Application, and completely replace any prior or contemporaneous agreements between you and The Company regarding the Application.
2. The failure of The Company to exercise or enforce any right or provision of these Terms and Conditions does not constitute a waiver of such right or provision, which will still be available to The Company.
3. If any court of law, having the jurisdiction to decide on this matter, rules that any provision of these Terms and Conditions is invalid, then that provision will be removed from the Terms and Conditions without affecting the rest of the Terms and Conditions. The remaining provisions of these Terms and Conditions will continue to be valid and enforceable.
4. The rights granted in these Terms and Conditions may not be assigned or transferred by either you or The Company without the prior written approval of the other party. Neither you nor The Company are permitted to delegate their responsibilities or obligations under these Terms and Conditions without the prior written approval of the other party.
5. These Terms and Conditions and your relationship with The Company under these Terms and Conditions will be governed by the laws of Malaysia, without regard to its conflict of laws provisions. You and The Company agree to submit to the exclusive jurisdiction of the courts located within the City of Malaysia,to resolve any legal matter arising from these Terms and Conditions. Notwithstanding this, you agree that The Company will still be allowed to apply for injunctive remedies (or an equivalent type of urgent legal relief) in any jurisdiction.

Terms and Conditions

1. Period of Subscription

   Subscription period shall be for the period not exceeding 12 months from the date of registration with full payment acceptance of the subscription by MMSOS.

   * Personal Information

   All subscriber allows MMSOS to forward their personal details to our Sponsors, Partners and Affiliates.

2. Territorial Coverage

   1. Personal Crime
      • MMSOS crime response services in selected states in Malaysia. (currently in Klang Valley & Penang).
      • To call for Police response services nationwide.
   2. Health Accident (Crime-related injuries)
      • To call for Ambulance services nationwide.
   3. Home (House-breaking)
      • MMSOS crime response services in selected states in Malaysia (currently in Klang Valley & Penang).
      • To call for Police response services nationwide.
   4. Motoring (Crime-related)
      • MMSOS crime response services in selected states in Malaysia (currently in Klang Valley & Penang).
      • To call for Police response services nationwide.
   5. Motoring (Breakdown and Accident)
      • To arrange towing from subscriber car insurance or MMSOS Service Provider.

3. Response Time

   Response team KPI is 30 minutes after receiving call from subscriber. However, the arrival of response team and police patrol car depend on the traffic condition at that time.

4. Scope of Services

   1. Personal Crime
      1. MMSOS shall provide the following services if the subscriber becomes a victim of crime:
         • Despatch MMSOS response officer(s) to the scene of crime as listed in this Program to assist in crime prevention or following a criminal act selected states in Malaysia (currently in Klang Valley & Penang).
         • Assist subscriber to call for police response from the nearest police station anywhere in Malaysia.
         • Assist subscriber to lodge a police report at the police station, wherever possible deem necessary.
         • Assist subscriber to notify immediate family member.
   2. Health (Crime-related injuries nor sickness)
      1. MMSOS shall provide the following services if the Subscriber is seriously injured from a crime-related incident:
         • Arrange medical evacuation of the Subscriber to any hospital or medical centre by road ambulance or any appropriate means of transportation.
         • Assist Subscriber to notify immediate family member.
      2. Such ambulance charges shall be borne by MMSOS up to a limit of Ringgit Malaysia Two Hundred (RM200.00) only.
   3. Home (House-breaking)
      1. MMSOS shall provide the following services if the Subscriber’s home is broken into or vandalized and Subscriber is at home:
         • Despatch MMSOS response officer(s) to the scene of crime to assist in crime prevention or assistance following a criminal act.
         • Assist Subscriber to call for police response from the nearest police station to the scene of crime.
         • Assist Subscriber to lodge a police report at the police station, wherever possible deem necessary.
         • Assist Subscriber to notify immediate family member.
         • Arrange medical evacuation of the Subscriber to any hospital or medical centre by road ambulance or any appropriate means of transportation following injuries sustained as a result of the criminal act.
   4. Motoring (Crime-related)
      1. MMSOS shall also provide the following services:
         • Despatch MMSOS officer(s) to the scene of crime to assist in the towing procedure of Subscriber's motor vehicle to the police station following a crime in which the Subscriber's motor vehicle is damaged and cannot be driven and thereafter to the workshop.
         • Assist Subscriber to notify immediate family member.
      2. MMSOS shall call for police response if the Subscriber's motor vehicle is the subject of a criminal act by unknown third party in the event of:
         • Theft of vehicle.
         • Break-in of vehicle.
         • Robbery or attempted robbery whilst in or driving the vehicle.
         • Assault or attempted assault whilst driving the vehicle.

5. Motoring (Breakdown and Accident)

   1. MMSOS shall provide the following services if the Subscriber's motor vehicle is disabled or damaged in a motor accident:
      • Breakdown of vehicle requiring jumpstart.
      • Breakdown of vehicle requiring replacement of new battery. (Cost of battery shall be borne by the Subscriber).
      • Breakdown of vehicle requiring replacement of flat tyre.
      • Breakdown of vehicle requiring towing.
      • Towing of vehicle to the police station if it is damaged due to accident.
      • Assist Subscriber to notify immediate family member.
   2. MMSOS shall provide car towing services up to three (3) times during the subscription period. Subscriber will be responsible for any subsequence service charges or subject to subscriber's car insurance policy.
   3. The Subscriber is entitled to free towing services up to a maximum sum of Ringgit Malaysia One Hundred and Fifty (RM150, 30km only) from the scene to workshop, despatch only. Expressway toll fees and other levies are not included.
   4. Any car tow to police station and retained in police station, the towing charges from police station to designated destination will be borne by subscriber.

6. Area of Coverage for Crime Response Services

   For crime services, the MMSOS response officer(s) will be despatched to the following locations stated hereunder only. However, in these locations and all other locations not served by MMSOS response officer(s), MMSOS shall also call for police response unless the Subscriber specifically rejects such police response.

   

7. Personal Accident / Insurance

   TABLE OF BENEFITS FOR PERMANENT DISABLEMENT

   The Table of Benefits for Permanent Disablement should read as below: -

   Description of Disablement Compensation	Percentage (%)of Principal Sum Insured
   Total permanent disablement from engaging in or attending to employment/occupation of any kind	100
   Total paralysis or permanently bedridden	100
   Loss of one or both hand	100
   Loss of one or both feet	100
   Loss of one or both eyes	100

   
   

   MONTHLY SUBMMISSION SCHEDULE

   Cut Off Date	Submission	Inforce
   8th	10th	15th
   23rd	25th	1st

   
   

   CLAUSES:

   • Strike, riot & civil commotion ENDORSEMENTS/
   • Drowning ADDITIONAL BENEFITS/
   • Disappearance (1 year) WARRANTY
   • Natural disasters · Amateur sports
   • Scuba diving · Murder and assault (unprovoked)
   • Insect, snakes, vermin and animal bites (excluding disease caused thereby) Exposure to natural elements
   • Motorcycling
   • Suffocation through smoke, fumes and poisonous gas
   • Accumulation clause - RM10 million per event / loss / occurrence
   • Loss notification clause (30 days)
   • Premium warranty (60 days)
   • Sanction limitation and exclusion clause
   • Goods & Services Tax (0%)
   
   

   EXCLUSIONS:

   • Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC)
   • War and allied perils
   • Self-inflicted injuries and suicide
   • Pre-existing physical defect or infirmity, fits of any kind, disease or sickness of any kind, insanity, pregnancy or childbirth
   • Effects or influence of alcohol or drugs
   • Hazardous sports such as water skiing, mountaineering necessitating on ropes or guides, parachuting, hang-gliding, sky-diving, professional sports or games, martial arts, horse riding, wrestling, boxing and underwater activities except scuba diving
   • Participating in any kind of racing other than on foot
   • Loss arising from unlawful/criminal activity
   • Occupation: Racer, professional sport person, seaman, logger, off-shore worker, air crew member, fisherman, horse jockey, professional entertainer, explosive maker/handler, ship crew, test pilots, racing drivers, stevedores, professional divers, fireman, underground worker/miner, member or armed forces, naval, military or air force service or operations, police force and rescue service However benefits covered under this policy shall be payable if the Insured Person suffers bodily injuries out of normal private and social activities and outside the scope of the Insured Person'’'s employment stated above
   • Air travel except as fare-paying passenger with a licensed carrier on a scheduled domestic or international route
   
   

   IMPORTANT NOTICE:

   1. The above is only a summary of cover. For full details of policy coverage, exclusions, terms and conditions, please refer to policy documents.
   2. Product Disclosure Sheet (PDS) can be obtained through our website www.amgeneralinsurance.com. You are advised to read this PDS before you decide to sign up for the policy.
   3. The registered members of the Proposer must be Malaysian, Permanent Residence of Malaysia or Work permit/pass holder in Malaysia.

PDPA for Individual Customer

Declaration

By signing this form, I am declaring that I have read, understood and agreed to terms of the MM Synergy Sdn Bhd, (hereinafter called MMSOS) Privacy Notice and I am expressly consenting to and authorizing MMSOS and any External Parties to collect, hold, use, delete, disclose, transfer, administer and process in any other way, all my personal data (including sensitive personal data and personal data of other party provided by me) (hereinafter referred to as “Personal Data”) given now or that is subsequently obtained from time to time for the purposes below. I understand that if I do not provide the Personal Data requested, MMSOS will not be able to carry out the purposes below:

• To process this application and all other purposes which are required in relation to any products and services offered by MMSOS.
• To respond to your inquiries and complaints and to resolve disputes.
• For any purpose required by law or regulations.

I further confirm that all personal data (including sensitive personal data) that I have provided are all true, up-to-date and accurate. Should there be any changes to any of my personal data, I shall notify MMSOS immediately via email; service@mmsos.my. I understand that depending on the information requested, MMSOS may have the right to charge a small fee for the processing of any data requested. MMSOS may also take steps to verify my identity before fulfilling my request for access to my personal data.

I further agree that MMSOS, without further notice to the subscribers, to disclose the Personal Data to its holding company, subsidiaries, affiliates, associates, business partners, related organisations, owners or managers of other membership programmes and/or to the Other Properties (“Affiliates”) to use and process the same for the purposes stipulated herein; MMSOS to use, process, share, disclose, transfer or deal with the Personal Data in whatever manner for general business, promotional and marketing purposes; including but not limited to fulfilling MMSOS subscribers’ requests, recognition and to facilitate various services to the Subscribers, to improve the Programme, to create more opportunities for the Subscribers to enjoy the MMSOS Programme, to follow up with feedback, to extend special benefits and offers to the Subscribers, marketing planning, product development, telemarketing promotions, surveys or research and other marketing programmes or activities which MMSOS and/or the Other Properties believe are likely to benefit the Subscribers, for the purpose of disclosure under the law or any court order or other governmental or regulatory bodies or such other purposes as MMSOS shall reasonably deem fit.     

Unless it prevents MMSOS from performing its obligations to me or goes against the very purpose that I have given the personal data to MMSOS, I can withdraw any part of this permission by letting MMSOS know in writing.