 |
| Beneficial Life Agency |
| Service. Value. Protection. |
 |
 |
 |
|
|
|
|
| SmartHome Optimum |
 |
| underwritten by |
| This is a houseowner plan that insures both your home and its contents with one easy plan. You have the choice and flexibility to protect your home and precious personal and household belongings according to your needs. |
| Perils Insured |
| Your house and household contents are covered against: fire, lightning, explosion, damage caused by aircraft and road vehicles, bursting of pipes, flood, windstorm, earthquake and theft. |
| Key Advantages |
| You have the option to insure your personal effects under the Worldwide All Risk Insurance coverage. However, your personal effects can be insured up to RM 5,000 for each item. |
| It also provides you and your family protection against 24-hour worldwide third party liability under the optional Worldwide Family Liability Insurance cover. This benefit covers third party claims (including legal costs and expenses) for accidental bodily injury or property damage through negligence caused by you, your immediate family members or your domestic helper. |
| Table of benefits |
| Section |
| Description of Benefit |
| Sum Insured |
| Premium |
| A |
| Houseowner Insurance 1. Building 2. Rent 3. Owner's Liability |
| Cost of rebuilding excluding land value 10% of building insured RM 50,000 |
| Rate: 0.106% (landed property) 0.109% (flats & apartments) Free of charge Free of charge (min. premium: RM 60) |
| B |
| Home Contents Insurance All Risk Cover including Special Covers: 1. Loss of money due to theft at home 2. Cost of replacing locks/keys due to break-in 3. Deterioration of food in the freezer 4. Cost of replacing lost legal documents 5. Loss or damage to contents during temporary removal 6. Loss or damage to water filter outside building |
| Total value of the household contents Up to RM 1,000 Up to RM 500 Up to RM 250 Up to RM 1,000 15% of total value of contents Up to RM 1,000 (excess: RM 150 each & every loss, other than by fire or lightning) |
| Rate : 0.75% Free of charge Free of charge Free of charge Free of charge Free of charge Free of charge (min. premium: RM 75) |
| Optional Benefits [Please select Section (C) and /or (D) ] |
| Section |
| Description of Benefit |
| Sum Insured |
| Premium |
| C |
| Worldwide All Risk Insurance - on Personal Effects |
| Value of personal effects e.g. jewellery, watches, cameras, etc (excess: RM 150 each & every loss) |
| Rate : 1.50% (min. premium : RM 75) |
| D |
| Worldwide Family Liability Insurance (including USA & Canada) |
| RM 200,000 |
| Rm 25 |
| With 24-hour SmartHome Assistance Hotline, you will enjoy immediate referral assistance on electrical, plumbing, airconditioning, locksmith, carpet & furniture cleaning & restoration and roof repair services |
 |
|
|
|
|
|
|
|
 |
|
|
|
|
|
|
|
|
|
| If you like to know more, please give us a call at : 012-286 0363, 012-202 8807, or e-mail us at benlife@gmail.com |
 |
|
 |
|
|
| Commercial : |
|
 |
 |
|
|
 |
|
| Personal |
|
| Critical Illness |
|
|
|
|