Coverage & Benefit
House & Content
Your house and its contents can be insured against the following:
| 1. |
Impact by aircraft and road vehicles. |
| 2. |
Fire, lightning from thunderstorms and explosions caused by faulty equipment. |
| 3. |
Damages caused by bursting or overflowing of domestic water tanks, apparatus or pipes. |
| 4. |
The natural elements comprising windstorms, earthquakes, volcanic eruptions, floods, subsidence and landslip. |
| 5. |
Riots, civil commotion and malicious damages to the home and property. |
Valuable Personal Belongings
Our All Risks Insurance covers your valuables and other items you may carry with you or wear anywhere in the world against accident, theft or loss. Items covered include:
| 1. |
Mobile Phones |
| 2. |
Sports equipment |
| 3. |
Personal effects and valuables |
| 4. |
Cameras, computers, PDAs and notebooks(laptops) |
New for Old Cover
BH Insurance (M) Bhd. promises to replace items on a new for old basis.
However, we can only do this if the Sum Insured for your House, its contents and your personal belongings are sufficient. This cover is subject to Average which means that if, at the time of loss or damage, the Sum Insured is less than the full value of the property insured, the amount payable to you will be proportionately reduced.
Risk of Personal Accident
Our cover provides monetary benefits in the event of death, permanent or temporary disablement. Benefits from this cover include medical expenses arising from accident & cash payment up to 100 days of hospitalisation due to accident or illness. For accidents occurring overseas resulting in death, the cover includes repatriation and funeral expenses up to a limit of RM 2,000.
Pets
An innovative insurance cover designed to cater to the needs of your extended family, pet insurance covers you against the cost of veterinary fees incurred to treat your pedigree cat or dog following an accident.
This cover essentially reimburses you for a replacement pet and in addition pays for the cost of a lost and found advertisement.
The Little Extras
To cater for the little extras that are sometimes overlooked, BH Insurance (M) Bhd.'s optional Value Added Insurance covers the following:
| 1. | Damage to Frozen food up to RM200 |
| 2. | Loss or damage to Locks and Keys following attempted theft or break-ins up to RM500 |
| 3. | Leakage of metered water following damage to your water piping as a result of an insured event up to RM 500 |
| 4. | Wedding, Festive or Seasonal Gifts up to RM 500 automatically |
| 5. | Damage to Satellite Dish, Solar Heaters and Air Conditioning Compressors up to RM 1,000 |
| 6. | Loss of Credit Cards, Passport and Identity Card up to RM 1,000 |
| 7. | 30-days purchase protection for new items purchased but not yet insured within your Home up to RM 15,000 |
| 8. | Transit cover (while you're moving home). BH Insurance (M) Bhd. will pay the first RM 10,000 while you pay the rest or insure with us at our special Policyholder rate. |
Alternatively, you can have all the Little Extras when you subscribe to our Home and Contents cover.
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