一个马来西亚党员集体保险计划 1 MCA Member Group Insurance Scheme

前言：


马华中央委员会于2012 年4 月26 日会议中议决，为全体党员购买集体意外保险，向全体党员提供保障。 在有关计划下:

1.意外去世党员的家属将获得1万令吉赔偿及4千令吉丧礼补贴；

2.非意外去世党员的家属可获得4千令吉丧礼补贴。

3.局部残障党员可获得5千令吉赔偿。

有关保费由马华支付，党员无需缴付任何费用。

细则：

1.申请者的资格

1.截至2012年4月30日的有效党员；

2.凡于2012年5月1日后申请入党者，年龄必须介于18到75岁，并获得会长理事批准满3个月者，方能参与

3.凡退党、党籍被冻结或被开除者，将自动失去在此保险计划下所享有的保障。

2.申请程序

1.必须填妥“1个马华”党员集体保险计划表格、受益人资料，并连同以下文件/附件一同寄到马华总部秘书处。相关文件包括：

1.申请者大马卡（MyKad）正背面副本；

2.受益人大马卡（MyKad）或国际护照正背面副本；

2.表格及/或文件不完整者，恕不处理。

3.保单生效期

1.总保单有效期从2012年5月1日至2013年4月30日；

2.党员受保有效期，从总部秘书处收到及审核有关党员的完整表格及文件后，提呈保险公司，即开始生效至2013年4月30日。

4.赔偿项目

1.意外死亡 ：RM10,000.00

2.终身残废 ：RM10,000.00

1.失去双手或双脚或双眼

2.失去一只手和一只脚

3.失去一只手或一只脚和一只眼

4.完全瘫痪或永久卧床

5.永久伤残，没有办法工作

6.因事故失踪超过1年者；

3.局部残废 ：RM 5,000.00

1.失去其中一只手或脚

2.失去一只眼睛的视力

4.抚恤金 ：RM 4,000.00

1.自然死亡、生病或意外死亡者；

保单不包括由以下危险性运动所导致的残废和死亡：

1.打猎、爬山或攀岩（使用绳子和辅助仪器）、飞行（除了飞机的乘客和机组人员）、任何形式的赛车、跳伞、潜水、洞穴探险运动以及冬季运动如溜冰等；

5.受益人

1.必须是直属家庭成员，如配偶、子女、父母、兄弟姐妹等；

2.有吸毒、赌博等恶习、破产及道德品质差的人士，不宜被指定为受益人；

3.最多可以委任3名受益人（唯必须注明每名受益人的赔偿金分配额）。

6.见证人

1.有关州联委会/区会/支会的主席、署理主席、秘书、组织秘书、马青团长或妇女组主席

2.国、州、县、市议员

3.选区协调员

4.各州联委会/区会执行秘书

5.总部职员

7.索赔程序

1.受保人/受益人必须在残废或死亡发生后30天内将填妥“索赔表格”及相关文件提呈马华总部秘书处处理后，转呈相关保险公司；

2.所需文件如下：

1.意外死亡

1.死亡证书；

2.警方报案书；

3.葬礼准证；

4.验尸报告；

5.受益人大马卡（MyKad）或国际护照正背面副本；

2.抚恤金：

1.死亡证书；

2.受益人大马卡（MyKad）或国际护照正背面副本；

3.终身残废、局部残废

1.警方报案书（如有）；

2.医药报告；

3.医疗收据正本；

4.X-光片（如果身体有任何严重损）；

5.受益人大马卡（MyKad）或国际护照正背面副本；

3.保险公司在审核索赔申请无误后，才会以支票形式发出赔偿金，支票抬头将写明受益人姓名。

8.申请/索赔表格

1.相关表格可以从马华官方网站（www.mca.org.my）及马华面子书（https://www.facebook.com/#!/MCAHQ）免费下载。

2.表格分类：

1.申请表格

2.索偿表格

1.抚恤金；

2.意外死亡、终身残废、局部残废；

**马华总部保留一切条规的增删权利


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:-

1.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.

2.Any member whose death is not caused by an accident shall only be paid a bereavement benefit of RM4,000.00 only.

3.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

1.Eligibility of Applicant

i.Existing members of the Association as at 1st May 2012 who are of age 18 years and above;

ii.Whilst for members who joined the Association after 1st May 2012 would be subjected to the following conditions:-

a.Age limit from 18 till 75 years based on last birthday before inception of the Policy;

b.Has been registered as a member of the Association for at least 90 days;

iii.Any member whose membership has been withdrawn, terminated or suspended shall not be eligible to apply for this scheme.

2.Application Procedures

i.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:

a.A photocopy of the MyKad of the applicant (both sides).

b.A photocopy of the MyKad or Passport of the beneficiary’s/nominee (both sides).

ii.All incomplete forms/documents will not be accepted.

3.Enforcement of the Insurance Policy

i.The master policy shall take effect from 1st May 2012 to 30th April 2013.

ii.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 30th April 2013.

4.Payment of Sum Assured

i.Accidental Death: RM10,000.00

ii.Total Disability: RM10,000.00

a.Loss of both hands or both feet or sight of both eyes

b.Loss of one hand and one foot

c.Loss of either hand or foot and of one eye

d.Total paralysis or being permanently bedridden

e.Permanent total disablement from engaging in or attending to employment or occupation of every description.

f.Disappearance for more than 1 year due to a cause

iii.Partial Disability: RM5,000.00

a.Loss of either hand or foot

b.Loss of sight of one eye

iv.Bereavement Allowance: RM4,000.00 (All Causes)

Exceptions:

This Policy does not cover any result directly or indirectly caused by or consequent upon:-

a.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.

5.Nominee / Beneficiary

i.Must be a next of kin such as spouse, children, parents or siblings, etc.

ii.Not applicable to anyone who is a drug addict, gambler, bankrupt or a person with low morality.

iii.Maximum of 3 nominees is allowed (must indicate clearly the percentage of shares therein)

6.Witnesses

i.Witnesses could either be the Chairman, Deputy Chairman, Secretary, Organizing Secretary, Youth Chief and Wanita Chief of the respective States/Divisions/Branches

ii.All MPs, State Assemblymen, District and Municipal Councillors

iii.All Coordinators of the Constituencies.

iv.All Executive Secretaries of the respective States and Divisions

v.All Staff of the MCA Headquarters.

7.Claims Procedures

i.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.

ii.The documents required to be enclosed are as follows:-

a.Accidental Death

i.Death Certificate;

ii.Police Report;

iii.Burial permit;

iv.Post Mortem report

v.A photocopy of the MyKad or Passport of the Beneficiary (both sides)

b.Bereavement Benefit:

i.Death Certificate;

ii.A photocopy of the MyKad or Passport of the Beneficiary (both sides)

c.Total & Partial Disability

i.Police report, if any

ii.Medical report

iii.Original receipts of treatments

iv.X-ray film, if there is severance of any part of the body

v.A photocopy of MyKad or Passport of the beneficiary (both sides)

iii.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.

8.Submission of Claims Form

i.The Claims Form may be downloaded from the official website of MCA at www.mca.org.my or the MCA facebook at https://www.facebook.com/#!/MCAHQ free of charge.

ii.Classification of Forms

a.Application Form

b.Claims Form

i.For Bereavement benefit

ii.Accidental Death or Permanent or Partially Disablement Resulting from an accident

**MCA HQ reserves the right to amend all rules and regulations whichever deemed necessary.

**MCA HQ reserves the right to amend all rules and regulations whichever deemed necessary.



Download Proposal Form and Nomination Form

下载申请和委任受益人表格
http://www.mca.org.my/cn/about-us/about-mca/introduction-of-mca/party-agenda/%e4%b8%80%e4%b8%aa%e9%a9%ac%e5%8d%8e%e5%85%9a%e5%91%98%e9%9b%86%e4%bd%93%e4%bf%9d%e9%99%a9%e8%ae%a1%e5%88%92/?