TONE WOW LINDUNG

TONEWOW LINDUNG by TONE WOW Sdn Bhd (TONEWOW) bundles both connectivity and
life and general insurance cover into one single plan. To subscribe to TONE WOW LINDUNG,
members will need to purchase the TONE WOW LINDUNG Starter Pack at RM30, preloaded
with a life insurance coverage of RM4,000 for death due to all causes & RM8,000 death for
specific illness at no additional cost. The TONE WOW LINDUNG Starter Pack also offers 3GB
high speed data, 30 minutes off-net voice call and unlimited on-net voice call with 30 days
validity. This offer is applicable to new registration of TONEWOW members.

For existing TONEWOW members, this plan can be subsequently renewed monthly with a one
time purchase as low as RM20 to RM80, preloaded with a life insurance coverage with no
additional cost as per Table A below.

Table A

Category TONEWOW LINDUNG DATA PLAN MERCHANTRADE INSURE

(MINSURE) LIFE COVERAGE

Price Total GB GB/Month # Months Death due to all Death due to

cause specific illness

A RM20 6 2 3 RM4,000 RM8,000

B RM30 12 2 6 RM8,000 RM16,000

C RM50 18 2 9 RM12,000 RM24,000

D RM60 24 2 12 RM16,000 RM32,000

E RM80 48 4 12 RM20,000 RM40,000

1. ELIGIBILITY REQUIREMENTS

i Must be at least 18 years old and not older than 60 years old (year of birth);
ii. Must successfully purchase TONE WOW LINDUNG Starter Pack starting from 6th July 2022;
iii. Must maintain an active Tone Wow line (able to make and receive calls) throughout the 12
months period from the date of purchase; and
iv. Must provide complete beneficiary details.

Member(s) who meets/fulfills all the requirements stated in section 1(i), (ii), (iii) and (iv) are
hereinafter referred to as the “Eligible Subscriber(s)”.

TONE WOW is at liberty to make changes to the Eligibility Requirements in this section 1, from
time to time, without prior notice to the Tone Wow Member(s).
2. LIFE INSURANCE COVERAGE

2.1. Merchantrade Insure Life (Life Insurance) Plan is a product of Merchantrade Asia Sdn Bhd
(MTA) underwritten by MCIS INSURANCE BERHAD (MCIS). This Life Insurance is an
automatic enrolment and does not require any opt-in if all requirements in section 1(i), (ii),
(iii) and (iv) are met.
2.2 Upon activation of a SIM card under TONEWOW LINDUNG and/or data reload of SIM card,
MTA will be triggered to process the member’s application for Life Insurance coverage. For
this purpose, the TONE WOW LINDUNG Members hereby:
i. agrees and authorizes TONEWOW to share information collected by
TONEWOW to MTA and MCIS; and
ii. agrees to receive information and notifications from MTA.

2.3 Life Insurance coverage will be effective within 24 hours upon successful activation of
TONE WOW LINDUNG Starter Pack or activation of TONE WOW LINDUNG Data Plan.
2.4 TONE WOW members will receive one (1) SMS from MTA within seven (7) working days
after successful acceptance of Life Insurance.
2.5 Upon MTA’s approval of the application, the TONE WOW LINDUNG Members shall enjoy
the Life Insurance coverage as a direct policyholder with MTA and MCIS. The benefits,
exclusions, terms and conditions of the Life Insurance coverage and are always subject to
the terms and conditions imposed from time to time. The documents can be found as per
details below: -

Term and Conditions is subject to change without prior notice

a. policy wording
(https://www.tonewow.net/sites/default/files/downloads/Life%20Insurance%20Policy
%20Wording_EN.pdf)

b. product disclosure sheet

(https://www.tonewow.net/sites/default/files/downloads/Life%20Insurance%20Produc
t%20Disclosure%20Sheet_EN.pdf)

2.6 TONE WOW Members that are covered by FREE Life Insurance will not be entitled for
Khairat Kematian claim. For more info and Term and conditions at
https://www.tonewow.net/en/benefits/khairat_kematian.
2.7 One (1) TONE WOW Member NRIC/Passport is entitled to one (1) FREE Life Insurance
Coverage with maximum coverage of up to RM20,000.
2.8 Life Insurance claim period is within twelve (12) months after the date of death.
2.9 TONE WOW Members can visit https://mtradeasia.com/insure/claims/ to download the
required documents for Life Insurance claim submission and submit the claim via email to
[email protected]
3 TONE WOW Members can contact Merchantrade Asia Sdn Bhd at 03-83138606 (9.00am-
10.00pm daily) or email [email protected] for Life Insurance related queries.
3.1 TONE WOW Members agree that they shall not challenge or dispute any action or decision
taken by TONE WOW, Merchantrade Asia and/or MCIS that, pursuant to the terms of this
Agreement. TONE WOW, MTA and MCIS shall based on its sole discretion to continue or
terminate the FREE Life Insurance accordingly with or without consent from TONE WOW
members.
3.2 TONE WOW reserved the absolute rights acquire the Services from other Insurance
Provider to replace MTA and/or MCIS services provided to TONE WOW Members.
3.3 TONE WOW Members can logon to https://www.tonewow.net/twmain/ after seven (7)
working days to check the FREE Life Insurance details.
3.4 Should TONE WOW Member’s FREE Life Insurance failed to be accepted by Merchantrade
Asia Sdn Bhd and/or MCIS Insurance Berhad, for whatsoever reason, and if the entitlement
is via:
a. TONE WOW LINDUNG Starter Pack, TONE WOW Member will be compensated
with:
i. RM15.00* Reload (RM5.00 X 3 Months)
ii. 6GB High-speed mobile data (2GB X 3 Months)
* Not entitle for any incentive
b. TONE WOW LINDUNG Data Plan,
i. Amount paid for TONE WOW LINDUNG Data Plan will be fully refunded
according to the payment method within 14 working days.
c. Entitle to Khairat Kematian Benefits (Refer to Terms and Conditions No 2.6)

3.5 Where the Terms & Conditions are translated into a language other than the English
Language, in the event of inconsistencies, conflicts or discrepancies between the terms and
conditions set out in the English Language version and that of the other language(s), the
English Language version shall prevail.

Disclaimer:
TONE WOW Sdn Bhd is collaborating with Merchantrade Asia Sdn Bhd to provide FREE Life
Insurance underwritten by MCIS Insurance Berhad. In no event will TONE WOW Sdn Bhd,
Merchantrade Asia Sdn Bhd, MCIS Insurance Berhad and their respective officers, directors,
employees, members, shareholders, attorneys, representatives and agents (collectively
“Representatives”), be responsible or liable for any damages or losses of any kind, including
but not limited to direct, indirect, incidental, consequential, special or punitive damages arising
out of your entry.
TONE WOW LINDUNG DATA PLAN

4 All TONE WOW Member’s Mobile Account must be in ACTIVE status at all times (able
to make call and receive call) in order to receive data allocation.
5 TONE WOW member’s Mobile Account that are NOT IN ACTIVE status (Barred,
Suspended or Expired) will not receive data allocation, and data allocation for that
period will be forfeited.

Total Total
Year
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Data Month
2023
Granted Insured

Member
AC AC AC BAR AC AC AC AC AC AC AC AC
Status

Data
4GB 4GB 4GB X 4GB 4GB 4GB 4GB 4GB 4GB 4GB 4GB 44GB
Granting

Insurance 11
   XX        
Status Months

AC = Active BAR = Barred

X = Data Forfeited  = Covered by insurance XX = Not covered by insurance

PERSONAL ACCIDENT INSURANCE

6 FREE Personal Accident Takaful coverage is subjected to acceptance by Solution Risk

Consultants Sdn Bhd (SOLUTIONRISK) and subject to the master certificate terms and
conditions. This takaful is underwritten by ZURICH GENERAL TAKAFUL MALAYSIA
Berhad (ZURICH)
7 TONE WOW, SOLUTIONRISK and/or ZURICH has the absolute right to approve or
reject the Personal Accident Takaful
8 TONE WOW Members, who are Malaysian and Non-Malaysia with valid passport
and/or valid work permit, between age 12 to 75 years old (date of birth) are eligible for
FREE Personal Accident Takaful, subjected to fulfilment of:
a) Total monthly reload of RM 30 and above via TONE WOW Reload Channel or RM
50 and above via Non-TONE WOW Reload Channel.
b) Completed Beneficiary details in TONE WOW Membership Management System
(TWMMS) ;and
c) Using TONE WOW SIM card or TONE WOW replacement SIM card.

9 Exclusion (Apply to Whole Certificate)

We shall not be liable for claims directly or indirectly caused by or which results from:
You, when engaging in or taking part in (in duty or not in duty);
 a) Armed forces, naval or air force service or operations;
b) Professional sports, winter sports other than skating;

10 Included Occupation but not limited to;

Divers, Soldiers/Military and Law Enforcement Officers, Aircraft Testers, Pilots and Flight
Crew, Sailors and Sea Fisherman, Race Car Drivers, Jockeys, Oil Rig Workers, Log
Sawyers and Lumber Workers, Firefighters, War Correspondents, Tower Builders, Cargo
Unloaders, Persons Involved in Building Demolition, Persons Involved in Ambulance
Services, Carpentry Machinists, Explosives Handlers, Tunnelling and Underground
Mining and Professional Sports Activities.

11 TONE WOW Reload Channel is defined TONE WOW WOWlet, myWOW Mobile Apps,
TONE WOW Counter and TONE WOW Website.

12 FREE Personal Accident Takaful is renewed on monthly basis for TONE WOW Members
who are in ACTIVE (able to make call and receive call) status only and fulfilment of
Reload and Beneficiary requirement.

13 FREE Personal Accident Takaful will be enforced on the subsequent month upon
fulfilment of condition stated in Terms and Condition No. 8

Example:
TONE WOW Member has total monthly reload of RM 50 in April 2022, thus fulfilling the
entitlement of FREE Personal Accident Takaful. The FREE Personal Accident Takaful will be
awarded in May 2022.

14 One (1) TONE WOW Member ID is entitled to one (1) FREE Personal Accident Takaful
certificate only.
15 Claim procedure for FREE Personal Accident Takaful as follows:
a. Written notice send via email to [email protected]
b. Certified True Copy (CTC) of the following documents must be submitted:
i. Copy of death certificate (for death claim)
ii. Copy of post mortem report (for death claim)
iii. Copy of nominee’s /claimant/s identity card and proof of relationship
iv. Medical specialist report and assessment of the disability done within 12
months after the date of accident (for PD claim)
v. Copy of police report on the alleged accident
vi. Medical report any other documents to support the claim
vii. Copy of Insured / Deceased’s identity card and driving license (For motor
vehicle accident)
c. Made by the beneficiary named by the member in TONE WOW Member
Management System (TWMMS) if request is under death claim.
d. Within twelve (12) consecutive month’s results in death or disablement.
 e. Zurich General Takaful Malaysia Berhad to process claim within seven (7) working
days subject to complete documents are received.
f. After certificate liability confirmed, Zurich General Takaful Malaysia Berhad will
issue payment within seven (7) working days. (Subject to Terms and Conditions of
Zurich General Takaful Malaysia Berhad)
g. Method of Payment is by Internet Banking.
h. In the event of foreign worker who do not have valid bank account in Malaysia,
payment will be made by Telegraphic Transfer (TT) method.
16 SOLUTIONRISK and/or ZURICH has the absolute right to approve or reject the FREE
Personal Accident Takaful claim submission.
17 The Policy may be void in the event of a misrepresentation, misdescription, error,
omission or non-disclosure of fact by member, which member knew or ought to have
known to be untrue, misleading or relevant or which may have influenced the
judgement of any prudent insurer/ Takaful operator.
18 TONE WOW Members that are covered by FREE Personal Accident Takaful will not be
entitled for Khairat Kematian claim. For more info and Term and conditions at
https://www.tonewow.net/en/benefits/khairat_kematian.
19 TONE WOW Members that are qualified for FREE Personal Accident Takaful but did not
complete the beneficiary info in TWMMS https://www.tonewow.net/twmain/ are not
entitled to Khairat Kematian or FREE Personal Accident Takaful Claim.
20 Beneficiary info must be filled prior to the date of accident/death to claim the Free
Personal Accident Takaful or Khairat Kematian. Failure to comply, any claims will be
rejected immediately.
21 For inquiries regarding FREE Personal Accident Takaful, TONE WOW Member can
contact TONE WOW Customer Service by call at 01159000969 or 01159009969 (8am –
10pm daily) or by Whatsapp at 0105129768 (9am – 7pm daily)
22 TONE WOW Sdn Bhd reserved the absolute rights acquire the Services from other
Insurance Provider/ Takaful Operator to replace SOLUTIONRISK and/or ZURICH’s
services provided to TONE WOW Members in FREE Personal Accident Takaful.
23 TONE WOW Members agree that they shall not challenge or dispute any action or
decision taken by TONE WOW, SOLUTIONRISK and ZURICH that, pursuant to the terms
of this Agreement. TONE WOW, SOLUTIONRISK and ZURICH shall based on its sole
discretion to continue or terminate the contract accordingly with or without consent
from TONE WOW members.
24 Term and Conditions is subject to change without prior notice and are subject to
master certificate wording
https://www.tonewow.net/sites/default/files/downloads/GT_GPA_PW_BI_BM_Final_202
01224.pdf
25 Where the Terms & Conditions are translated into a language other than the English
Language, in the event of inconsistencies, conflicts or discrepancies between the terms
 and conditions set out in the English Language version and that of the other
language(s), the English Language version shall prevail.

Disclaimer:
TONE WOW SDN BHD are partnering with Solution Risk Consultants Sdn Bhd (“Solution”) and
Solution’s role solely as distributor of Personal Accident Takaful which is underwritten by
ZURICH GENERAL TAKAFUL MALAYSIA BERHAD. In no event will Solution and their respective
officers, directors, employees, members, shareholders, attorneys, representatives and agents
(collectively “Representatives”), be responsible or liable for any damages or losses of any kind,
including but not limited to direct, indirect, incidental, consequential, special or punitive
damages arising out of your entry.

TONE WOW LINDUNG

TONEWOW LINDUNG oleh TONE WOW Sdn Bhd (TONEWOW) menggabungkan kedua-dua
perlindungan insurans hayat dan insurans am di dalam satu pelan tunggal. Untuk melanggan
TONE WOW LINDUNG, ahli perlu membeli Pek Permulaan TONE WOW LINDUNG pada harga
RM30, dilengkapi dengan perlindungan insurans hayat sebanyak RM4,000 untuk semua sebab
kematian & RM8,000 untuk kematian akibat penyakit tertentu tanpa sebarang kos tambahan.
Pek Permulaan TONE WOW LINDUNG juga menawarkan data berkelajuan tinggi 3GB, 30 minit
panggilan suara luar talian dan panggilan suara dalam talian tanpa had dengan tempoh sah
selama 30 hari. Tawaran ini adalah bagi pendaftaran baharu ahli TONEWOW.

Bagi semua ahli TONEWOW yang aktif, pelan ini boleh diperbaharui pada setiap bulan dengan
membuat pembelian pelan harga serendah RM20 hingga RM80, termasuk perlindungan
insurans hayat tanpa kos tambahan seperti Jadual A di bawah.

Jadual A

Kategori PELAN DATA TONEWOW LINDUNG PERLINDUNGAN HAYAT

MERCHANTRADE INSURE
(MINSURE)

Harga Jumlah GB/Bulan # Bulan Sebarang Kematian akibat

GB kematian penyakit
tertentu

A RM20 6 2 3 RM4,000 RM8,000

B RM30 12 2 6 RM8,000 RM16,000

 C RM50 18 2 9 RM12,000 RM24,000

D RM60 24 2 12 RM16,000 RM32,000

E RM80 48 4 12 RM20,000 RM40,000

1. SYARAT KELAYAKAN

i. Mesti berumur sekurang-kurangnya 18 tahun dan tidak melebihi 60 tahun (tahun lahir);
ii. Mesti mendapatkan Pek Permulaan TONE WOW LINDUNG bermula dari 6 Julai 2022;
iii. Mesti mengekalkan talian Tone Wow secara aktif (boleh membuat dan menerima
panggilan) sepanjang tempoh 12 bulan dari tarikh pembelian; dan
iv. Mesti memberikan butiran penama atau waris yang lengkap.

Ahli-ahli yang memenuhi semua syarat yang dinyatakan dalam seksyen 1(i), (ii), (iii) dan (iv) ini
dirujuk sebagai “Pelanggan yang Layak”.

TONE WOW adalah bebas untuk membuat perubahan kepada Syarat Kelayakan dalam
seksyen 1 ini, dari semasa ke semasa, tanpa notis awal kepada Ahli Tone Wow.

2. PERLINDUNGAN INSURANS HAYAT

2.1. Pelan Merchantrade Insure Life (Insurans Hayat) ialah produk Merchantrade Asia Sdn Bhd
(MTA) yang dijamin oleh MCIS INSURANCE BERHAD (MCIS). Insurans Hayat ini adalah
pendaftaran automatik jika semua keperluan dalam bahagian 1(i), (ii), (iii) dan (iv) dipenuhi
2.3 Selepas pengaktifan kad SIM di bawah TONEWOW LINDUNG dan/atau tambah nilai pelan
data kad SIM, MTA akan memproses permohonan ahli untuk perlindungan Insurans Hayat.
Bagi tujuan ini, ahli TONE WOW LINDUNG dengan ini:
iii. bersetuju dan membenarkan TONEWOW untuk berkongsi maklumat yang
berkenaan kepada MTA dan MCIS; dan
iv. bersetuju untuk menerima sebarang maklumat dan notifikasi daripada MTA.
2.4 Perlindungan Insurans Hayat PERCUMA akan berkuat kuasa dalam masa 24 jam selepas
pengaktifan SIM TONE WOW LINDUNG atau Pelan Data TONE WOW LINDUNG telah
berjaya.
2.5 Ahli TONE WOW akan menerima satu (1) SMS daripada Merchantrade Asia Sdn Bhd dalam
tempoh tujuh (7) hari bekerja selepas Insurans Hayat PERCUMA telah berjaya diterima.

2.6 Selepas permohonan MTA diluluskan, Ahli TONE WOW LINDUNG akan menikmati
perlindungan Insurans Hayat dan layak menjadi pemegang polisi secara langsung dengan
MTA dan MCIS. Manfaat, pengecualian, terma dan syarat perlindungan Insurans Hayat dan
am tertakluk kepada terma dan syarat yang dikemas kini dari semasa ke semasa. Dokumen
boleh didapati seperti butiran di bawah:-: -

Terma dan Syarat ini boleh diubah suai tanpa sebarang notis awal dan tertakluk kepada :
 c. Dasar polisi
(https://www.tonewow.net/sites/default/files/downloads/Life%20Insurance%20Policy
%20Wording_EN.pdf)

d. Lampiran produk
(https://www.tonewow.net/sites/default/files/downloads/Life%20Insurance%20Produc
t%20Disclosure%20Sheet_EN.pdf)

2.7 Ahli TONE WOW yang berjaya mendapat Insurans Hayat PERCUMA tidak akan layak untuk
tuntutan Khairat Kematian. Untuk maklumat lanjut bagi terma dan syarat di
https://www.tonewow.net/en/benefits/khairat_kematian
2.8 Setiap ahli TONE WOW (mengikut NRIC/ Passport) layak mendapat SATU (1) Perlindungan
Insurans Hayat PERCUMA dengan perlindungan maksima sebanyak RM20,000.
2.9 Tempoh tuntutan Insurans Hayat PERCUMA adalah dalam tempoh dua belas (12) bulan
selepas tarikh kematian.
2.10 Ahli TONE WOW boleh melayari laman web https://mtradeasia.com/insure/claims/
untuk memuat turun dokumen yang diperlukan untuk membuat tuntutan Insurans Hayat
PERCUMA dan e-melkan ke [email protected]
3 Ahli TONE WOW boleh menghubungi Merchantrade Asia Sdn Bhd di 03-83138606
(9.00am-10.00pm setiap hari) atau e-mel [email protected] untuk sebarang
pertanyaan berkaitan Insurans Hayat PERCUMA
3.1 Ahli TONE WOW bersetuju untuk tidak mencabar atau mempertikaikan sebarang tindakan
atau keputusan yang diambil oleh TONE WOW, Merchantrade Asia dan/atau MCIS,
mengikut terma dan syarat. TONE WOW, MTI dan/atau MCIS mempunyai hak dan kata
putus untuk meneruskan atau menamatkan Insurans Hayat PERCUMA dengan atau tanpa
persetujuan daripada ahli TONE WOW
3.2 TONE WOW boleh mendapatkan perkhidmatan daripada Pembekal Insurans lain untuk
menggantikan perkhidmatan MTI dan/atau MCIS yang diberikan kepada Ahli TONE WOW.
3.3 Ahli TONE WOW boleh log masuk ke https://www.tonewow.net/twmain/ selepas tujuh (7)
hari bekerja untuk menyemak butiran Insurans Hayat PERCUMA.
3.4 Sekiranya Insurans Hayat PERCUMA ahli TONE WOW gagal diterima oleh Merchantrade
Asia Sdn Bhd dan/atau MCIS Insurance Berhad, atas apa jua sebab, dan jika kelayakan
adalah melalui:
c) Pek Permulaan TONE WOW LINDUNG, Ahli TONE WOW akan diberi pampasan
dengan:

i. RM15.00* Tambah Nilai (RM5.00 X 3 Bulan)

ii. 6GB Data mudah alih berkelajuan tinggi (2GB X 3 Bulan)

* Tidak layak untuk sebarang insentif

 d) Pelan data TONE WOW LINDUNG :
ii. Pembayaran balik Pelan Data Tone Wow Lindung akan dibuat dalam masa 14
hari waktu bekerja
e) Berhak mendapat manfaat Khairat Kematian (Rujuk Terma dan Syarat No. 2.6)
3.5 Sekiranya berlaku percanggahan antara terma dan syarat yang dinyatakan dalam versi
Bahasa Inggeris dan bahasa lain, versi Bahasa Inggeris akan diutamakan.
Penafian:

TONE WOW Sdn Bhd bekerjasama dengan Merchantrade Asia Sdn Bhd untuk menyediakan
Insurans Hayat PERCUMA yang dijamin oleh MCIS Insurance Berhad. Walau apa pun TONE
WOW Sdn Bhd, Merchantrade Asia Sdn Bhd, MCIS Insurance Berhad dan pegawai, pengarah,
pekerja, ahli, pemegang saham, peguam, wakil dan ejen masing-masing (secara kolektif
“Wakil”), tidak bertanggungjawab ke atas sebarang kerosakan atau sebarang jenis kerugian,
termasuk tetapi tidak terhad kepada ganti rugi langsung, tidak langsung, sampingan, khas
atau hukuman yang timbul daripada penyertaan anda.

PELAN DATA TONE WOW LINDUNG

4 All TONE WOW mestilah berada dalam status AKTIF pada setiap masa (boleh membuat
panggilan dan menerima panggilan) untuk menerima peruntukan data.
5 Ahli TONE WOW yang TIDAK BERstatus AKTIF (Dihalang, Digantung atau Tamat Tempoh)
tidak akan menerima peruntukan data, dan peruntukan data untuk tempoh tersebut akan
dibatalkan.
Jumlah
Insuran
Tahun 2023 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
bulanan
data

Status
AC AC AC BAR AC AC AC AC AC AC AC AC
Ahli

Data
4GB 4GB 4GB X 4GB 4GB 4GB 4GB 4GB 4GB 4GB 4GB 44GB
Diperuntukan

Status
11
   XX        
Bulan
Insuran

AC = Active / Aktif BAR = Barred / Disekat

= Data
X  = Insuran diterima XX = Insurans tidak diterima
Ditamatkan
TAKAFUL KEMALANGAN DIRI

6 Perlindungan Takaful Kemalangan Diri PERCUMA tertakluk kepada penerimaan oleh

Solution Risk Consultants Sdn Bhd (SOLUTIONRISK) dan tertakluk kepada terma dan
syarat. Takaful ini ditaja jamin oleh ZURICH GENERAL TAKAFUL MALAYSIA Berhad
(ZURICH)
7 TONE WOW, SOLUTIONRISK and/or ZURICH mempunyai hak untuk meluluskan atau
menolak Takaful Kemalangan Diri.
8 Ahli TONE WOW yang aktif, warganegara Malaysia dan Bukan Malaysia dengan pasport
yang sah dan/atau permit kerja yang sah, berumur antara 12 hingga 75 tahun (mengikut
tarikh lahir) layak mendapat Takaful Kemalangan Diri PERCUMA, tertakluk kepada :
a) Jumlah tambah nilai bulanan sebanyak RM 30 dan ke atas melalui saluran tambah
nilai TONE WOW atau RM 50 dan ke atas melalui saluran tambah nilai selain TONE
WOW.
b) Maklumat serta butiran penama/waris telah lengkap dalam Sistem Pengurusan
Keahlian TONE WOW (TWMMS) ; dan
c) Menggunakan SIM kad TONE WOW atau SIM kad ganti TONE WOW.

9 Pengecualian (Diguna pakai Seluruh Sijil)

Kami tidak akan bertanggungjawab untuk tuntutan secara langsung atau tidak langsung
yang disebabkan oleh atau yang berpunca daripada:
a) Perkhidmatan atau operasi angkatan tentera, tentera laut atau udara;
b) Sukan profesional, sukan musim sejuk selain meluncur

10 Pekerjaan termasuk tetapi tidak terhad ke;

Penyelam, Askar/Tentera dan Pegawai Penguatkuasa Undang-Undang, Penguji
Pesawat,Juruterbang dan Kru Penerbangan, Kelasi dan Nelayan Laut, Pemandu Kereta
Lumba, Joki, Pekerja Pelantar Minyak, Penggergaji Balak dan Pekerja Pembalakan, Ahli
Bomba, Wartawan Perang, Tukang Menara, Pemunggah Kargo, Orang yang Terlibat dalam
Pemusnahan Bangunan, Orang yang terlibat dalam Perkhidmatan Ambulans, Pakar Mesin
Pertukangan Kayu, Pengendali Bahan Letupan, Membina Terowong dan Melombong Di
Bawah Tanah dan Kegiatan Sukan Profesional.
11 Saluran tambah nilai TONE WOW adalah seperti TONE WOW WOWlet, Aplikasi Mudah
Alih myWOW, Kaunter TONE WOW dan Laman Web TONE WOW.
12 Takaful kemalangan diri PERCUMA diperbaharui setiap bulan untuk Ahli TONE WOW yang
berada dalam status AKTIF (boleh membuat panggilan dan menerima panggilan) sahaja
dan memenuhi syarat tambah nilai dan maklumat waris/penama seperti di atas.
13 Takaful Kemalangan Diri PERCUMA akan dikuatkuasakan pada bulan berikutnya setelah
memenuhi syarat yang dinyatakan dalam perkara 8.
Contoh:
Ahli TONE WOW mempunyai jumlah tambah nilai bulanan sebanyak RM 50 pada April
2022, sekali gus memenuhi kelayakan Kemalangan Diri PERCUMA. Kemalangan diri
 PERCUMA akan diberikan pada Mei 2022.

14 Satu (1) ID Ahli TONE WOW layak mendapat satu (1) sijil Takaful Kemalangan Diri
PERCUMA sahaja.
15 Langkah serta prosedur tuntutan Takaful Kemalangan Diri PERCUMA adalah seperti
berikut:
i. Notis bertulis di hantar melalui e-mel ke [email protected]
j. Salinan dokumen yang telah disahkan seperti berikut:
i. Salinan sijil kematian (untuk tuntutan kematian)
ii. Salinan laporan bedah siasat (untuk tuntutan kematian)
iii. Salinan kad pengenalan waris/penama dan bukti hubungan
iv. Laporan pakar perubatan dan penilaian hilang upaya dilakukan dalam tempoh
12 bulan selepas tarikh kemalangan (untuk tuntutan kemalangan diri)
v. Salinan laporan polis berhubung dakwaan kemalangan
vi. Laporan perubatan atau sebarang dokumen lain untuk menyokong tuntutan
vii. Salinan kad pengenalan dan lesen memandu / Si mati (Untuk kemalangan
kenderaan bermotor)
k. Dibuat oleh wakil/penama yang dinyatakan oleh ahli dalam Sistem Pengurusan Ahli
TONE WOW (TWMMS) jika permintaan adalah di bawah tuntutan kematian.
l. Dalam tempoh dua belas (12) bulan berturut-turut mengakibatkan kematian atau
hilang upaya.
m. Zurich General Takaful Malaysia Berhad akan memproses tuntutan dalam tempoh
tujuh (7) hari bekerja tertakluk kepada dokumen lengkap diterima.
n. Selepas sijil disahkan, Zurich General Takaful Malaysia Berhad akan mengeluarkan
bayaran dalam tempoh tujuh (7) hari bekerja. (Tertakluk kepada Terma dan Syarat
Zurich General Takaful Malaysia Berhad)
o. Kaedah Pembayaran adalah melalui Perbankan Internet.
p. Sekiranya pekerja asing yang tidak mempunyai akaun bank yang sah di Malaysia,
pembayaran akan dibuat melalui kaedah Telegraphic Transfer (TT).

16 SOLUTIONRISK dan/atau ZURICH mempunyai hak mutlak untuk meluluskan atau menolak
penyerahan tuntutan Takaful Kemalangan Diri PERCUMA.
17 Polisi mungkin terbatal sekiranya berlaku kesalahan yang nyata, kesalahan huraian,
kesilapan, peninggalan atau kesalahan fakta oleh ahli, yang ahli tahu atau sepatutnya tahu
sebagai tidak benar, mengelirukan atau tidak relevan atau yang mungkin telah
mempengaruhi penghakiman mana-mana pihak insurans/ pengendali takaful yang
berhemat.
18 Ahli TONE WOW yang dilindungi oleh Takaful Kemalangan Diri PERCUMA tidak akan layak
untuk tuntutan Khairat Kematian. Untuk maklumat lanjut dan Terma dan syarat di
https://www.tonewow.net/en/benefits/khairat_kematian.
19 Ahli TONE WOW yang layak Takaful Kemalangan Diri PERCUMA tetapi tidak
 melengkapkan maklumat pewaris dalam TWMMS https://www.tonewow.net/twmain/ ,
tidak layak untuk tuntutan Khairat Kematian atau Takaful Kemalangan Diri PERCUMA.
20 Maklumat pewaris perlu dilengkapkan sebelum tarikh kemalangan/kematian untuk
menuntut Takaful Kemalangan Diri PERCUMA atau Khairat Kematian. Gagal dipenuhi,
sebarang tuntutan akan ditolak serta merta.
21 Untuk pertanyaan mengenai Kemalangan Diri PERCUMA, Ahli TONE WOW boleh
menghubungi Khidmat Pelanggan TONE WOW melalui panggilan di 01159000969 atau
01159009969 (8 pagi – 10 malam setiap hari) atau melalui Whatsapp di 0105129768 (9
pagi – 7 malam setiap hari)
22 TONE WOW Sdn Bhd mempunyai hak untuk menukar perkhidmatan kepada Pembekal
Insurans/ Pengendali Takaful lain untuk menggantikan SOLUTIONRISK dan/atau
perkhidmatan ZURICH yang diberikan kepada Ahli TONE WOW dalam Takaful
Kemalangan Diri PERCUMA pada bila-bila masa tanpa sebarang notis.
23 Ahli TONE WOW bersetuju bahawa mereka tidak akan mencabar atau mempertikaikan
sebarang tindakan atau keputusan yang diambil oleh TONE WOW, SOLUTIONRISK dan
ZURICH, menurut terma dan syarat ini. TONE WOW, SOLUTIONRISK dan ZURICH
mempunyai hak untuk meneruskan atau menamatkan kontrak sewajarnya dengan atau
tanpa persetujuan daripada ahli TONE WOW.
24 Terma dan Syarat tertakluk kepada sijil utama dan boleh dipinda tanpa sebarang notis
https://www.tonewow.net/sites/default/files/downloads/GT_GPA_PW_BI_BM_Final_202012
24.pdf
25 Sekiranya berlaku percanggahan, konflik atau percanggahan antara terma dan syarat yang
dinyatakan dalam versi Bahasa Inggeris dan bahasa lain, versi bahasa Inggeris akan
diutamakan.
Penafian:

TONE WOW SDN BHD bekerjasama dengan Solution Risk Consultants Sdn Bhd dan peranan
Solution semata-mata sebagai pengedar Takaful Kemalangan Diri yang dijamin oleh ZURICH
GENERAL TAKAFUL MALAYSIA BERHAD. Walau apa pun, Solution dan pegawai, pengarah,
pekerja, ahli, pemegang saham, peguam, wakil dan ejen masing-masing (secara kolektif
"Wakil"), tidak akan bertanggungjawab ke atas sebarang kerosakan atau kerugian dalam apa
jua bentuk, termasuk tetapi tidak terhad kepada mengarahkan, ganti rugi tidak langsung,
sampingan, khas atau punitif yang timbul daripada penyertaan anda.