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Malay to English: Insurance Policy General field: Other Detailed field: Insurance
Source text - Malay I. TAKRIF
Melainkan dikehendaki selainnya mengikut konteks, perkataan dan ungkapan berikut hendaklah mempunyai maksud berikut:
(a) “Ahli Diinsuranskan” bermaksud PEMINJAM (NAMA PEMILIK POLISI) YANG MEMPUNYAI KEMUDAHAN PINJAMAN PERUMAHAN DARIPADA PEMILIK POLISI yang hayatnya diinsuranskan menurut dokumen ini.
(b) “Sijil Insurans” ialah sijil yang menyatakan butiran khusus yang membentuk sebahagian daripada Polisi ini.
(c) “Tarikh Mula Berkuat kuasa” bermaksud tarikh bermulanya perlindungan di bawah Polisi ini.
(d) “Syarikat” bermaksud [ ] BERHAD (No. Syarikat ) dan termasuk pengganti hak milik dan penerima serah haknya.
(e) “Tarikh Berkuat kuasa” yang berkaitan dengan mana-mana Ahli Diinsuranskan bermaksud tarikh bermulanya perlindungan di bawah Polisi ini bagi Ahli Diinsuranskan menurut Fasal [ ] (a) dokumen ini.
(f) “Ahli yang Layak” bermaksud PEMINJAM (NAMA PEMILIK POLISI) YANG LAYAK MENDAPAT KEMUDAHAN PINJAMAN PERUMAHAN DARIPADA PEMILIK POLISI.
(g) “Tarikh Tamat Tempoh” yang berkaitan dengan mana-mana Ahli Diinsuranskan bermaksud tarikh tamatnya perlindungan bagi Ahli Diinsuranskan di bawah Polisi ini.
(h) “Ibu Pejabat” terletak di alamat Syarikat di [ ] Kuala Lumpur.
(j) “Pengamal Perubatan” bermaksud pakar bedah atau pakar perubatan yang mempunyai ijazah Perubatan Barat, berlesen secara sah di sisi undang-undang dan layak sewajarnya untuk mengamalkan perubatan dan pembedahan yang dibenarkan di kawasan dia mengamalkan profesionnya, dan memiliki Sijil Amalan Tahunan terkini yang dikeluarkan oleh Majlis Perubatan Malaysia.
(k) “Polisi” bermaksud perjanjian ini, apa-apa rider atau endorsemen dalam dokumen ini, apa-apa pindaan padanya yang ditandatangani oleh Syarikat, permohonan yang dilampirkan padanya oleh Pemilik Polisi, semua Jadual yang dilampirkan padanya dari semasa ke semasa dan maklumat perubatan jika ada tentang Ahli Diinsuranskan yang membentuk keseluruhan kontrak antara semua pihak.
(l) “Pemilik Polisi” bermaksud (NAMA PEMILIK POLISI) dan termasuk pengganti hak milik dan penerima serah haknya.
(m) “RM” bermaksud “Ringgit Malaysia”, mata wang Malaysia.
(n) “Jumlah Diinsuranskan” bermaksud jumlah yang perlu dibayar kepada Pemilik Polisi seperti yang ditetapkan dalam Jadual Jumlah Diinsuranskan berkaitan yang dilampirkan pada Sijil Insurans Ahli Diinsuranskan.
(q) Perkataan yang menunjukkan maskulin yang digunakan dalam perjanjian ini termasuklah feminin, apabila konteks menghendakinya.
II. PENAMATAN
(a) Insurans berasingan menurut dokumen ini bagi mana-mana Ahli Diinsuranskan akan tamat secara automatik pada Tarikh Tamat Tempoh yang dinyatakan dalam Jadual Insurans / Sijil Insurans berkaitan dengan Ahli Diinsuranskan tersebut, atau apabila ditamatkan lebih awal oleh Pemilik Polisi, sebaik sahaja penyerahan atau pembatalan Sijil Insurans atau tuntutan bagi Kematian atau Hilang Upaya Menyeluruh dan Kekal diterima di bawah insurans berasingan.
(b) Selepas itu, tuntutan oleh Pemilik Polisi atau mana-mana orang lain tidak akan dilayan melainkan bagi Kematian atau Hilang Upaya Menyeluruh dan Kekal Ahli Diinsuranskan yang berlaku pada atau sebelum Tarikh Tamat Tempoh.
(c) Jika bagi apa jua sebab, premium telah dibayar selepas Polisi dan / atau Sijil Insurans ditamatkan seperti di atas, penerimaan premium oleh Syarikat tidak akan membentuk penerusan insurans tetapi premium yang telah dibayar itu akan dibayar balik dan Syarikat tidak bertanggungan terhadap Polisi / Sijil Insurans itu.
IV PERUNTUKAN MANFAAT
1. MANFAAT KEMATIAN
1.1 Sebaik sahaja bukti sewajarnya bagi kematian mana-mana Ahli Diinsuranskan diserahkan kepada Syarikat, jumlah yang ditentukan menurut Jadual Jumlah Diinsuranskan berhubung dengan Ahli Diinsuranskan tersebut akan dibayar kepada Pemilik Polisi oleh Syarikat DENGAN SYARAT kematian tersebut berlaku pada atau sebelum Tarikh Tamat Tempoh bagi Ahli Diinsuranskan itu. Bagi tujuan Fasal ini, bukti sewajarnya bagi Kematian bermaksud penyerahan sijil kematian yang sah dan semua dokumen lain yang berkaitan kepada Syarikat seperti yang dikehendaki.
1.2 Pemberitahuan Kematian mestilah diserahkan kepada Syarikat tidak lewat daripada sembilan puluh (90) hari dari tarikh Kematian tersebut.
1.3 Sijil Insurans bagi Ahli Diinsuranskan akan tamat secara automatik setelah pembayaran penuh Jumlah Diinsuranskan dibuat kepada Pemilik Polisi.
Translation - English I. DEFINITIONS
Unless otherwise stated and where the context so admits, the following words and expressions shall have and bear the respective meaning assigned to them hereunder:
(a) “Assured Member” means BORROWER OF (NAME OF POLICY OWNER) WHO HAS HOUSING LOAN FACILITIES FROM THE POLICY OWNER whose life is insured in accordance with this document.
(b) “Insurance Certificate” is a certificate containing specific details which form part of this Policy.
(c) “Commencement Date” means the date from which coverage under this Policy commences.
(d) “Company” means [ ] BERHAD (Company No.) and including its successors-in-title and its legitimate assignee of rights.
(e) “Effective Date” applicable to any Assured Member means the date from which protection under this Policy for any Assured member in accordance with Clause [ ] (a) of this document commences.
(f) “Eligible Member” means BORROWER (NAME OF POLICY OWNER) WHO IS ELIGIBLE TO RECEIVE HOUSING LOAN FACILITIES FROM THE POLICY OWNER.
(g) “Date of Expiry” applicable to an Assured Member means the date from which the coverage for the Assured Member under this Policy ceases.
(h) “Head Office” is located at Company address at [ ] Kuala Lumpur.
(j) “Medical Practitioner” means a surgeon or a a physician who possesses a Degree in Western Medicine, who is legally licensed and duly qualified to practise the medicine and surgery authorized in the area in which he practises his profession, and possesses the latest Annual Certificate of Practice issued by the Malaysian Medical Council.
(k) “Policy” means this agreement, any rider or endorsement in this document, any amendments hereto duly signed by the Company, application attached herewith by Policy Owners, all schedules attached herewith from time to time and medical information about the Assured Member if any, which forms, in full, a contract between all Parties.
(l) “Policy Owner” means (NAME OF POLICY OWNER) and including its successors-in-title and assigns.
(m) “RM” means “Ringgit Malaysia”, the currency of Malaysia.
(n) “Sum Assured” means the sum payable to Policy Owner as specified in the Sum Insured Schedule attached to the Insured Member’s Insurance Certificate.
Words importing the masculine gender shall be deemed and taken to include the feminine gender, where the context so admits.
II. TERMINATION
(a) Individual insurance according to this document for any Assured Member shall cease on the Date of Expiry as stated in the Insurance Schedule / Insurance Certificate applicable to the said Assured Member, or when terminated earlier by the Policy Owner, upon surrender or cancellation of the Insurance Certificate or upon receipt of claim for Death or Total and Permanent Disability under individual insurance.
(b) Henceforth, any claims by Policy Owner or any others shall not be entertained unless in the case of Death or Total and Permanent Disability of the Assured Member which occurred on or before the Date of Expiry.
(c) If for any reason the premium is paid after the Policy and / or Insurance Certificate is terminated as mentioned above, the receipt of the premium by the Company shall not constitute an insurance continuation but the premium paid shall be refunded and the Company shall not be liable for the said Policy / Insurance Certificate.
IV PROVISIONS OF BENEFITS
1. DEATH BENEFITS
1.1 Upon submission of due proof of death of an Assured Member to the Company, the sum as specified in the Sum Assured Schedule applicable to any Insured Member shall be paid to the Policy Owner by the Company ON CONDITION that the said death occurred on or before the Date of Expiry for the said Assured Member. For the purpose of this Clause, due proof of Death means the submission of a valid Death Certificate to the Company and all other documents as the Company requires.
Notice of Death shall be submitted to the Company not later than ninety (90) days from the date of the said Death.
.
1.2 Insurance Certificate for the Assured Member shall be automatically terminated upon full payment of Sum Assured to the Policy Owner.