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PL/Cash Shield_BSN/PDS/V1_25062012

1. What is this product about?


We offer a host of coverages for example loss of cash and personal valuables, medical reimbursement and personal
accident, to name a few. This policy provides 24 hours worldwide coverage regardless whether you are on holiday or
working.

2. What are the covers/benefits provided?
This policy covers the following:

a) ATM Protection
Subject to a formal police report being lodged, we will reimburse you for:
i) cash withdrawn; or
ii) cash you are forced to withdraw as a result of a robbery at the ATM;
provided such loss took place within 15 minutes immediately after the withdrawal.

b) Loss of Cash & Valuables due to Theft.
We will reimburse you for a maximum of 2 incidents per period of insurance for loss due to theft that has happened
outside your private residence. E.g.: Snatch Theft

c) Accidental Death & Disablement
Compensation for death or disablement within 12 months from the date of accident.

d) Medical Reimbursement
Medical treatment reimbursement for bodily injury due to snatch theft, robbery or assault for a maximum of 2
incidents in every 12 months. This includes in-patient and out-patient treatment.

3. How much premium do I have to pay?
The annual premium you pay is RM100. Total of 3 years premium will be collected at the point of application being
premium for cover for years 1, 2 and 3. Your benefits under ATM Protection and Accidental Death and Disablement will
be increased in Year 2 and Year 3 as shown in the schedule below. Please note that renewal is at our discretion. In the
event renewal is not granted, premium will be refunded accordingly as shown in Item No. 7.




Coverage

Sum Insured (RM)

Year 1

Year 2

Year 3

ATM Protection (Reimbursement Basis)

3,000

4,000

5,000

Loss of Cash and/or Personal Valuables due to
Theft (Reimbursement Basis)

3,000

3,000

3,000

Accidental Death or Disablement (Lump Sum)

10,000

11,000

12,000

Medical Reimbursement for Injury due to Theft
(Reimbursement Basis)

500

500

500

Please refer to the premium printed on the schedule attached to the policy.

4. What are the fees and charges that I have to pay?
Commissions paid to the insurance agent 20%
Stamp duty NIL

5. What are some of the key terms and conditions that I should be aware of?
Who can purchase this cover any individual who is a customer of Bank Simpanan Nasional between the age of
18 and 65 years old.
Importance of disclosure - you must disclose all material facts such as your occupation and your personal pursuits
which would affect the risk profile.
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PRODUCT DISCLOSURE SHEET
Read this Product Disclosure Sheet before you decide
to take out the BSN CASH SHIELD policy. Be sure to
also read the general terms and conditions.


BANK SIMPANAN NASIONAL
BSN CASH SHIELD

Date:


PL/Cash Shield_BSN/PDS/V1_25062012



6. What are the major exclusions under this policy?
This policy does not cover loss or death or injury caused by the following events:
War risks;
Suicide and insanity;
Self inflicted injury;
AIDS;
Provoked murder or assault;
Loss due to the use of fraudulent cards, unauthorised use of your card by your family members or friends and any
debt arising from the unauthorised use of any supplementary card issued to your family members or friends in
respect of the ATM Withdrawal protection;
Loss as a result of being pick-pocketed in respect of the loss of cash and personal valuables benefit;
Where such payment would violate any prohibition or regulation or sanction that has been imposed by the Malaysian
Government, the American Government or the United Nations.

Note:
This list is non-exhaustive. Please refer to policy contract for the full list of exclusions under this policy.

7. Can I cancel my policy?
You may cancel your policy by giving us 30 days written notice. We also have the discretion to cancel your policy by
giving you 30 days written notice or not renew the policy for Year 2 or 3. You will be entitled to a refund upon
cancellation or non-renewal (where applicable), provided you have not made any claim. Your refund will be as follows:

Cancellation in:

Refund based on:
Year 1

- Pro-rated for year 1; and
- Full refund for year 2 and 3.
Year 2

- No refund for year 1;
- Pro-rated for year 2; and
- Full refund for year 3.
Year 3

- No refund for year 1 and 2; and
- Pro-rated for year 3.

8. What do I need to do if there are changes to my contact/personal details?
It is important that you inform us of any change in your life profile including your occupation and personal pursuits which
would affect the risk profile.

9. Where can I get further information?
Should you require additional information about BSN Cash Shield insurance, please contact our Customer Service
Representative at our telephone number as indicated below.

If you have any enquiries, please contact us at:

Chartis Malaysia Insurance Berhad (795492-W)

Wisma Chartis
No. 99 Jalan Ampang
50450 Kuala Lumpur

Telephone: 1-800-8888-11
Fax: 603-20813696

Email: CMIcare@chartisinsurance.com

Website: www.chartisinsurance.com.my

10. Other types of insurance cover available.
Please refer to our website at www.chartisinsurance.com.my

IMPORTANT NOTE:

YOU ARE ADVISED TO NOTE THE BENEFITS FOR LOSS OF CASH AND PERSONAL VALUABLE AS WELL AS THE
DEATH AND DISABLEMENT IN YOUR INSURANCE POLICY. YOU MUST NOMINATE A NOMINEE AND ENSURE
THAT YOUR NOMINEE IS AWARE OF THE PERSONAL ACCIDENT POLICY THAT YOU HAVE PURCHASED. YOU
SHOULD READ AND UNDERSTAND THE INSURANCE POLICY AND DISCUSS WITH THE AGENT OR CONTACT THE
INSURANCE COMPANY DIRECTLY FOR MORE INFORMATION.

The information provided in this disclosure sheet is reviewed and updated as at 25/06/2012.
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