All RHB Insurance medical insurance products do not provide coverage for COVID-19 under the General Exclusions of Communicable diseases required quarantine by law (a.k.a pandemic). However, our Annual Travel Protector and Travel Protector Plus Insurance do not exclude contagious disease including epidemic or pandemic with the condition that you seek and abide by the advice of the relevant authorities regarding the health and safety travel advisory prior to your travelling.

Application Form for Premium Instalment Scheme to be submitted via email or hardcopy with a brief description of how you have been affected by the COVID-19 pandemic including any loss of income; and

Documentary evidence of loss of income:

• Individuals : Past 3 months’ salary slip, letter of retrenchment or termination.
• SMEs : Any supporting documents.

You may submit through our agent, branches or our Customer Relationship Centre at:

RHB Insurance Berhad
Level 12B, West Wing, The Icon
No 1, Jalan 1/68F, Jalan Tun Razak,
55000 Kuala Lumpur
Tel: 1300 220 007
Email : rhbi.general@rhbgroup.com

If approved:

• You will be notified via email on the Letter of Offer together with an Appendix on the terms and conditions of acceptance.
• You will need to sign and return to us the duly signed Letter of Offer and Appendix, reaching us within the number of days as stipulated in the Letter of Offer.

If rejected:

• You will be notified by email.
• The outstanding premium becomes due immediately or as per the premium warranty period.

Processing of application will take up to 10 working days.

Premium Due	No. of Instalments
RM1,500 – RM 5,000	up to 3 months instalments
>RM 5,000	up to 6 months instalments

The first instalment will be payable within the month of the return of the duly signed Letter of Offer and Appendix.

If approved, the first instalment will be payable within the month of the return of the duly signed Letter of Offer and Appendix.

Subsequent instalments shall be made on or before the due dates, failing which, the balance of the premium will become payable in full.

The policy will be cancelled in accordance with the policy terms and conditions. However, your obligation to pay the premium for the time on risk remains.

All classes of insurance are generally applicable, however, the Company reserves the right to exclude any particular class or classes of insurance.

• The percentage of premium relief will be in a range of 10% to 50%, depending on the degree to which the customers are affected by the COVID-19.
• Maximum relief per customer is RM5,000. There is no limit to the number of policies that may qualify by the SME.
• Applicable for policy premium amount of more than RM1,000.
• The premium relief is on gross premium before service tax and stamp duty.

• Application Form for Premium Relief Scheme to be submitted via email or hardcopy with a brief description of how you have been affected by the COVID-19 pandemic including any loss of income; and
• Supporting documents for evidence of loss of income.
• Only premium on policies due for renewal within 3 months of the application date will be considered for relief. A separate application must be made for premium relief for these policies when they become renewable within 3 months.

You may submit the application through our agent, branches or our Customer Relationship Centre at:

RHB Insurance Berhad
Level 12B, West Wing, The Icon
No 1, Jalan 1/68F, Jalan Tun Razak,
55000 Kuala Lumpur
Tel: 1300 220 007
Email : rhbi.general@rhbgroup.com

If approved:

• You will be notified via email on the Letter of Offer together with an Appendix on the terms and conditions of acceptance.
• You will need to sign and return to us the duly signed Letter of Offer and Appendix, reaching us within the number of days as stipulated in the Letter of Offer.

The approval for relief is one-off and for each premium payable, and is not a percentage discount/relief on the policy. Therefore, subsequent endorsements will not be automatically entitled to the same discount/relief. Relief for each subsequent endorsement which carries an additional premium is subject to approval by the Company.

If rejected:

• You will be notified by email.
• The outstanding premium becomes due immediately or as per the premium warranty period.

Processing of application will take up to 10 working days.

You are still responsible to pay the total premium less any premium relief in accordance with the terms and conditions of the policy, failing which the Company reserves the right to cancel the policy in accordance with the terms and conditions of the policy. Just to make it doubly clear, any premium relief granted shall not be deemed as premium paid for the policy.

In the event of premium refund arising from endorsement or cancellation, the refund amount shall be computed on the portion of premium paid or payable by the Insured, without regard to the amount of premium relief granted.