1MCA MEMBER GROUP INSURANCE SCHEME ~ Biro Aduan Awam MCA Serdang

Foreword

MCA Central Committee had at its meeting held on 26th April 2012 resolved to purchase a Group Accidental Insurance policy for all our party members so as to provide them with the Insurance protection with the terms and conditions as follows:-

The family of any party member whose death is caused by an accident be paid a total sum assured of Ringgit Malaysia Ten Thousand (RM10,000.00) only together with a bereavement benefit of Ringgit Malaysia Four Thousand (RM4,000.00) per insured.
Any member whose death is not caused by an accident shall only be paid a bereavement benefit of RM4,000.00 only.
A claim payment of Ringgit Malaysia Five Thousand (RM5,000.00) shall be paid to any member who suffers partial disability.

The premium of the said insurance shall be borne by the MCA Headquarters and party members shall enjoy the coverage free of charge.

Terms & Conditions

Eligibility of Applicant
1. Existing valid members of the Association as at 1st May 2012 who are of age 18 years and above;
2. The MCA Presidential Council had at its meeting on 8^th May 2012 set RM10 as the minimum amount of subscription to be paid by invalid members so that they may participate in this scheme. However, members will still not be considered as valid members until all outstanding subscription fees are paid in full.
3. Whilst for members who joined the Association after 1st May 2012 would be subjected to the following conditions:-
  1. Age limit from 18 till 75 years based on last birthday before inception of the Policy;
  2. Has been registered as a member of the Association for at least 90 days;
4. Any member whose membership has been withdrawn, terminated or suspended shall not be eligible to apply for this scheme.
Application Procedures
1. The applicant must complete a “1MCA Member Group Insurance Scheme” Form stating clearly the name of their beneficiary and submit it to the MCA HQ Secretariat together with the following required documents:
  1. A photocopy of the MyKad of the applicant (both sides).
  2. A photocopy of the MyKad or Passport of the beneficiary’s/nominee (both sides).
2. All incomplete forms/documents will not be accepted.
Enforcement of the Insurance Policy
1. The master policy shall take effect from 1^st May 2012 to 30^th April 2013.
2. The coverage of the policy shall take effect upon the receipt and acceptance of the duly completed forms which have been forwarded to the Insurance Company and shall be in force till 30^th April 2013.
Payment of Sum Assured
1. Accidental Death: RM10,000.00
2. Total Disability: RM10,000.00
  1. Loss of both hands or both feet or sight of both eyes
  2. Loss of one hand and one foot
  3. Loss of either hand or foot and of one eye
  4. Total paralysis or being permanently bedridden
  5. Permanent total disablement from engaging in or attending to employment or occupation of every description.
  6. Disappearance for more than 1 year due to a cause
3. Partial Disability: RM5,000.00
  1. Loss of either hand or foot
  2. Loss of sight of one eye
4. Bereavement Allowance: RM4,000.00 (All Causes)
Exceptions:

This Policy does not cover any result directly or indirectly caused by or consequent upon:-
1. participating in hazardous and dangerous sport or competition such as hunting, climbing or mountaineering which require the use of ropes or guides, aviation except as passenger or crew in fully licensed passenger carrying aircraft, racing of any kind other than on foot, speed or reliability trials, parachuting, hand gliding, potholing sport where participants explore underground caves, aqualung or scuba diving, taking part in winter sports, skating of any kind, rock-climbing.
Nominee / Beneficiary
1. Must be a next of kin such as spouse, children, parents or siblings, etc.
2. Not applicable to anyone who is a drug addict, gambler, bankrupt or a person with low morality.
3. Maximum of 3 nominees is allowed (must indicate clearly the percentage of shares therein)
Witnesses
1. Witnesses could either be the Chairman, Deputy Chairman, Secretary, Organizing Secretary, Youth Chief and Wanita Chief of the respective States/Divisions/Branches
2. All MPs, State Assemblymen, District and Municipal Councillors
3. All Coordinators of the Constituencies.
4. All Executive Secretaries of the respective States and Divisions
5. All Staff of the MCA Headquarters.
Claims Procedures
1. All life assured /beneficiary must within 30 days after the occurrence of the Disability or Death submit the duly completed “Claim Form” to the party HQ for checking and thereafter to be forwarded to the Insurance Company for processing.
2. The documents required to be enclosed are as follows:-
  1. Accidental Death
    1. Death Certificate;
    2. Police Report;
    3. Post Mortem report
    4. A photocopy of the MyKad or Passport of the Beneficiary (both sides)
  2. Bereavement Benefit:
    1. Death Certificate;
    2. A photocopy of the MyKad or Passport of the Beneficiary (both sides)
  3. Total & Partial Disability
    1. Police report, if any
    2. Medical report
    3. Original receipts of treatments
    4. X-ray film, if there is severance of any part of the body
    5. A photocopy of MyKad or Passport of the beneficiary (both sides)
3. All claims will be issued by cheques made payable to the beneficiary after having been verified by the Insurance Company that all particulars and documents as given are complete and are free from any mistakes.
Submission of Claims Form