Golfers

Golfers' Insurance Scheme

The Malaysian Golf Association (MGA) and BHI Insurance (M) Sdn Bhd (BHI) are pleased to present an exclusive Golf Insurance Scheme to all members of golf clubs affiliated to the MGA.

This scheme is designed so that cover applies whilst in any golf courses in Malaysia and elsewhere in the world during temporary visits. Golf equipment is covered against loss or damage. The scheme can also be extended to cover Member's spouse and dependant children with an additional premium as a family policy.

COVERAGE

		Sum Insured / Liability Limit
		Option A	Option B	Option C
Section 1
	Loss or damage to golf equipment (including golf clubs, golf balls, golf shoes, golf bags) whilst in the golf courses or club anywhere in Malaysia or elsewhere in the world during temporary visits.	RM6,000 per complete set	RM10,000 per complete set	RM15,000 per complete set
	Maximum limit per club/golf equipment	RM750	RM2,000	RM3,000
	Excess for each and every claim	RM50	RM50	RM50
Section 2
	Accidental damage to buggy or turfmate whilst during play within boundaries of the golf club (excluding wear and tear)	RM3,0500	RM3,000	RM3,000
Section 3
	Personal Liability Damage to property or bodily injury to Third Parties whilst member is playing golf within the boundary of the golf clubs or golf courses anywhere in Malaysia and within the boundary of the golf clubs or golf courses elsewhere in the world during temporary visit.	RM3,000,0000 (any one occurrence)	RM3,000,000 (any one occurrence)	RM3,000,000 (any one occurrence)
Section 4
	Hole-in-One (must be witnessed by at least two other flight mates) Cash Reward for Insured Person	RM1,500 (Any one claim)	RM1,500 (Any one claim)	RM1,500 (Any one claim)
Section 5
Personal Accident whilst on the golf course
A	Accidental Death or Permanent Disablement :-
	Member (For Members above 70 years of age, this benefit will be reduced to RM100,000)	RM200,000	RM200,000	RM200,000
	Spouse and up to 2 Dependant Children	RM50,000 per week per person	RM50,000 per week per person	RM50,000 per week per person
B	Weekly Benefits (for Members only up to the age of 65)	RM500 per week	RM500 per week	RM500 per week
C	Medical Expenses (Member, Spouse and up to 2 Dependant Children) For Members above 65 years of age, Medical Expenses is limited to RM500	RM2,500	RM2,500	RM2,500
	Excess for each and every claim	RM75	RM75	RM75
Section 6
	Reimbursement of cost involved in the replacement of lost / stolen credit cards and / or passport whilst at the clubs	RM3,000	RM3,000	RM3,000
Section 7
	Armed robbery & hold-up whilst in play (excluding cash)	RM10,000	RM10,000	RM10,000
Section 8
	Credit shield - to reimburse outstanding billing balance incurred at the Principal Golf Club upon the demise of the insured Person	RM7,500	RM7,500	RM7,500

* EXTENDED COVER
(For Section 1A only whilst other sections remain the same). Subject to additional premium
	Cover loss or damage to golf equipment (including golf clubs, golf balls, golf shoes and golf bags) anywhere in Malaysia or elsewhere in the world during temporary visits.	RM6,000 per complete set	RM10,000 per complete set	RM15,000 per complete set
	Maximum limit per club/golf equipment	RM750	RM2,000	R3,000
	Excess for each and every claim (except for loss of complete set, where the excess is NIL)	RM50	RM50	RM50

Dependant Child ~ Age 8 to 21 years old only (till 21st birthday of the child)

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PREMIUM

	Annual			2nd Quarter			Half Year			Last Quarter
	1 Jan - 31 Dec			1 Apr - 31 Dec			1 Jul - 31 Dec			1 Oct - 31 Dec
Premium by Option (in RM) :	A	B	C	A	B	C	A	B	C	A	B	C
Individual	70	115	160	60	95	130	50	80	100	30	50	70
Individual with Extended Cover*	120	190	260	100	160	220	85	130	180	50	80	105
Family Package	100	145	190	85	125	160	70	100	130	45	65	85
Family Package with Extended Cover*	150	220	290	125	125	245	105	150	200	60	90	115