Takaful OnGuard Card Protection

The comprehensive protection on your lifestyle.

Regardless whether your bank cards, mobile phone, important documents are lost or stolen, or if you have encountered an ATM robbery or an unfortunate accident, you are well-protected with Takaful OnGuard. Moreover, you get 24/7 access to emergency help and protection anywhere around the world.

Comprehensive protection on all your credit, debit & ATM cards

  • Loss of funds due to fraudulent transactions on all your payment cards
  • Unauthorized fund transfers from your online banking account or mobile phone
  • Loss of funds due to ATM robbery or mechanical tampering

All-round help when your mobile phone is lost or stolen

  • Location mapping of your phone
  • Lock / unlock your phone remotely
  • Picture capture and siren upon remote locking
  • Back up and restore phone contacts remotely
  • 24/7 support
  • Free recovery of your phone is it is reported found

Focus on getting back on track after an accident

  • Compensation for accidental death
  • Reimbursements for medical expenses incurred due to an accident
  • Daily cash to defray high costs of hospitalization
  • Double payout if incident was a result of an ATM robbery

24/7 assistance is only a phone call away

  • Emergency cash advance and travel arrangements
  • Useful advice in the event you lose your wallet, passport or mobile phone
  • Emergency phone connection to your loved ones
  • Referrals for global medical or legal services

Card Loss, Theft & Protection

Benefits Sum Covered
a. Fraudulent transaction on all Credit, Debit, ATM cards (due to fraudulent retail purchases, altered lost/stolen cards, skimming, phishing and ATM mechanical tampering) RM 3,000.00 (RM 1,500.00 per incident)
b. Cash robbed during ATM withdrawal (maximum of 2 incidents per year) RM 3,000.00 per incident
c. Online Banking and Mobile Banking Fraudulent Protection (maximum 1 incident per year) RM7,500.00
d. Fraudulent payment through unauthorised use of mobile phone RM 3,750.00 (RM 1,500.00 per incident)
e. Fraudulent transaction due to robbery of mobile remittance device RM 3,000.00 (RM 1,500.00 per incident)
f. Cost of replacing important documents due to robbery (maximum 1 incident per year) RM750.00

Personal Accident

Benefits Sum Covered
a. Accidental Death RM50,000.00
b. Accidental medical expense reimbursement (maximum 1 incident per year) RM1,500.00
c. Hospital Cash due to Accident (up to the maximum of 30 days per incident, and up to 180 days per certificate year RM 100.00 per day
d. Double Coverage for all Personal Accident benefits due to ATM robbery

Mobile Phone Protection

Benefits Sum Covered
a. Remote handset locking/unlocking Yes
b. SIM card locking Yes
c. Location mapping Yes
d. Remote data back-up and data wipe Yes
e. Roaming lock, SIM change lock, call pattern lock, international dial lock, SMS pin lock/unlock Yes
f. Loss recovery alert Yes
g. Auto email recovery of find reports Yes
h. Web console Yes
i. Picture capture Yes
j. Mobile security protection helpdesk Yes
d. Remote data back-up and data wipe Yes

Emergency Services

Benefits Sum Covered
a. Emergency cash advance Up to RM6,000
b. Post Card loss, theft and fraud assistance Yes
c. Emergency phone in touch Yes
d. Emergency travel arrangement Yes
e. Loss passport assistance & Consulate/Embassy referral Yes


Monthly premium is only RM49.82 (including 6% GST).
Enjoy 5% discount on monthly premium if you sign up for OnGuard Takaful for yourself and your spouse

OnGuard Additional Services Guide

Stay Protected Wherever You Go with OnGuard

Protect yourself from the loss or theft of your cards and mobile phones in Malaysia and around the world. OnGuard is there for you 24/7 to provide you with the ease of mind in the event that your cards or mobile phone is lost or stolen and emergency cash assistance should the need arise. This guide explains all the services available to OnGuard customers. Please take a few moments to read it carefully, so you’re fully aware of how OnGuard can provide peace of mind – no matter where life takes you.

Card Lost or Stolen? We Can Help.

In the unfortunate event of an ATM robbery, fraudulent activity or loss of your credit, debit and/or cash cards, our trained customer service staff is available 24 hours a day, 7 days a week to provide immediate advice and assistance. They will put you into contact with all of your major card issuers, so you can report your cards lost or stolen and avoid becoming a victim of fraud. They will also advise you on:

  • The critical next steps that are needed
  • Who to contact to report the incident
  • How to safeguard yourself from further financial liability

Travel Emergency & Convenience Services

If you are stranded away from home with no money and your wallet, credit and debit cards have been lost or stolen, and your air ticket gone, don’t worry! As a valued OnGuard customer, you are entitled to our cash assistance and travel emergency services.

Emergency Cash Advance*

Upon confirmation of your location, we will make arrangement for transfer of cash (up to RM6,000) to the nearest Western Union or other remittance centre. Our experienced staff will provide you with clear instructions on the amount advanced and where to pick up the cash.

Emergency Travel Arrangement*

In the event of an emergency or a sudden need to return to your country of residence, our trained customer service staff will be able to assist you in making new arrangements and reservations for air ticket, hotel accommodation and other travel-related services.

Emergency Phone in Touch

If your mobile phone happens to be lost or stolen as well, our customer service staff can also coordinate emergency contact and assist you to set up a call to connect you to one of your family members, friends or colleagues, and you will have up to 60 minutes of talk time per year.

Lost Passport Assistance & Consulate / Embassy Referral

If you were to lose your passport while traveling abroad, you can contact our dedicated 24-hour hotline number and our trained customer service staff will provide you contact information of the nearest and appropriate consulate / embassy.

* To be eligible for Emergency Cash Advance and Travel Arrangement services, you must be at least 160 km away from home. Refer to www.OnGuard.com.my/FAQs for more details.

Medical and Legal Help are Just a Phone Call Away^

Should you ever require medical attention, whether in Malaysia or outside the country, our experienced customer service staff has access to an extensive global network of doctors, specialists and hospitals, so you can be directed to the nearest and most suitable medical professionals.

Similarly, in the event that you require legal assistance, our customer service representatives can tap into an extensive global legal network to help you find a lawyer who can address your specific concerns.

^ Clients are responsible for any fees incurred.

Protect Your Mobile Phone. Protect Your Information.

If you lose your mobile phone, the OnGuard Mobile App can help to locate your phone, protect you against fraudulent charges, as well as safeguard your valuable personal information.

To enjoy benefits this service, simply complete the following steps:

Step 1:
Visit www.OnGuard.com.my, locate ‘Already Protected by OnGuard?’ on the top right corner of the page and click ‘Download OnGuard Mobile App’

Step 2:
Fill in your personal particulars and accept the terms & conditions, before clicking Submit

Step 3:
You will receive an invitation SMS/ email with a link to download the OnGuard mobile app within 24 hours

Once installed and activated on your mobile phone, you can back up your contacts information and set up various locking features to protect your phone. Do take a moment to familiarize yourself with the full functionality of the OnGuard mobile app.

As a valued OnGuard customer, we aid in the return of your lost phone. In the event that it is found and returned, we will make arrangement for a secure pickup and return you the phone at no additional cost.

Frequently Asked Questions

What are the features supported by the OnGuard mobile app?

 

Feature Description Android Blueberry iPhone Windows 8
Activate Lock - Web By issuing lock command from the web, it will automatically lock and trigger the siren, a location request and picture capture X X 1 2
Activate Lock - SMS By sending an SMS to the phone, it will automatically lock and trigger the siren, a location request and picture capture X X
Deterrence and Incentive Upon remote locking, it will sound the siren attracting attention and deterring thief. Finders are encouraged to return the phone by a message on the lock screen X X X X
SIM Lock Lock phone if SIM card is changed X X
Post-SIM Change Location Locate the phone after a new SIM is inserted X X
Roaming Lock Lock phone if phone is in roaming mode X X
Inactivity Lock Lock phone after a period of inactivity X X 3
Call Pattern Lock Lock phone if calls are made to numbers not in contacts X X
International Call Lock Lock phone if calls are made to selected countries X X
Location History Provide a history of the locations of the phone over a specified period of time X X X X
Contact Backup Securely backup user contacts on the phone to an online location X X X X
Contact Restore Restore backed up contacts from online location onto a new phone X X X
Device Wipe – Contacts and Email Erase all your confidential data from your phone, including contacts and email X X 4
Device Wipe – SMS and Call History Erase all your confidential data from your phone, including SMS and Call History X 4
Device Wipe – External SD Card Erase all your confidential data from your phone, including photos 5 X
Picture Capture and Storage On lock activation, a snapshot will be taken to capture the image of the thief or person who tries to access the smartphone X X X
1. Lock is achieved through the creation of a security profile on the device during installation
2. A lock command will trigger the siren, a location request and picture capture. However, Windows phone does not allow complete locking
3. Lock is achieved through the use of iPhone auto-lock
4. Wipe is achieved through the installation of the Apple security configuration profile which must be installed for the wipe feature to function
5. On supported manufacturers and specific Android OS versions only

 

What do I do if my phone is lost or stolen?

When you first become aware that your phone is missing, you should immediately perform a Lock and Locate activity.

Step 1:
Lock your phone to protect it from unauthorized use. To lock it, log in to the online vault at www.OnGuard.com.my, click on the Lost icon, and confirm activation of lost mode.Alternatively, for selected smartphones, you can also text your four-digit Locking Code from any other mobile phone to lock your phone.

Step 2:
Locate your phone. When you are logged in to the online vault at www.OnGuard.com.my, click on the Locate icon, and you should be able to see your phone’s location on a map.

For more Frequently Asked Questions, please visit www.OnGuard.com.my/FAQs

How to Contact Us

For details on the services stated herein, visit our website: www.OnGuard.com.my

Tel. No. : 603 7841 5776
(24 hours, 7 days a week)

Enrollment Conditions

“You” and “Customer” mean the person who has enrolled in the OnGuard service. Use of the service and any information received through it are entirely at your own risk. We reserve the right to modify these terms and conditions from time to time in accordance with applicable laws. We also reserve the right to modify the services included in your enrollment. This guide and the supporting documentation pertaining to non-takaful services contained in this fulfillment package are prepared solely by Sigma Loyalty Marketing Sdn Bhd

OnGuardTM is a trademark of Sigma Loyalty Marketing Sdn Bhd and Sigma Loyalty Marketing Sdn Bhd (“Sigma”) has been appointed to provide the services set out in this guide (“Services”) and shall be solely responsible for the performance of the Services by Sigma. Hong Leong MSIG Takaful Berhad shall not be responsible or liable for any failure by Sigma to perform the Services for any reason whatsoever or cause, including any loss, damages, costs and/or expenses, which may be incurred or sustained as a consequence of any default or failure to perform such Services.

This is your certificate document. Click to download

Which Takaful company is offering this plan?

This plan is issued by Hong Leong MSIG Takaful Berhad.

Can you tell me something about the Takaful operator?

Hong Leong MSIG Takaful (HLM Takaful) is a joint-venture of Hong Leong Financial Group Malaysia, a reputable integrated financial services group and Mitsui Sumitomo Insurance Co Ltd (MSI), a member of MS & AD Insurance Group, one of the world's largest insurance company in offering innovative and competitive Shariah-compliant financial solutions within the Takaful industry.

Will I be covered wherever I am?

Yes. You'll have full protection anywhere in the world, 24 hours a day subject to the General Terms and Conditions of the Takaful Certificate.

Can I continue my coverage after 65 years of age?

Once cover is taken before the age of 65 (next birthday), renewal is allowable up to 70 years old.

If I wish to increase my coverage at a later date, is that possible?

Presently, we offer one (1) plan only for this product.

Can my Spouse be covered, too?

Yes, you can take up the Individual and Spouse plan.

Overseas coverage means worldwide coverage?

This Takaful plan covers you anywhere in the world, including outside of Malaysia.

Isn't coverage like this expensive?

Quite the contrary, this Plan was designed with affordability in mind. It is better to be protected to help you cope with other expenses when untimely accidents occur. Moreover, it provides extensive value added benefits like card protection, mobile phone protection and emergency travel services/

Product Question

Card Loss, Fraud & Theft, and ATM Protection

What is the 'Lost and Stolen Card Assistance'?

OnGuard helps protect you against possible fraudulent use of all your credit, debit, cash, prepaid and ATM cards should they ever be lost or stolen, regardless in Malaysia or overseas. Not only will OnGuard help you through the steps to recover from this experience, the OnGuard customer service reps will be on standby 24/7 to assist you in reporting the loss or theft of these cards to your card issuers, so that further fraudulent transactions could be blocked.

Does 'Fraudulent Card Transaction Protection' cover all cards from all issuers?

Yes, OnGuard helps protect you against possible fraudulent use of all your credit, debit, cash, prepaid and ATM cards should they ever be lost or stolen and by all issuers.

Mobile Phone Protection

How do I enjoy the mobile phone protection features?

The features are packed in the OnGuard mobile app which is available for download for all OnGuard subscribers.

What types of mobile phones is the OnGuard mobile app compatible with?

Currently, the OnGuard app is supported on the following operating systems:

  • Android 4.0 and above
  • iOS 5.0 and above (iPhone)
  • Blackberry 5.0 and above (excluding Blackberry 10)
  • Windows Phone 8

Note: Supported features vary by phone types and platforms. New versions of operating system will be assessed and updated accordingly.

What do I do if I have lost my mobile phone?

If your mobile phone is lost or stolen, it is important to send the lock command immediately. You can do so by logging in to the online vault and activate lost mode. When you are logged in the vault, you can view your phone's last detectable location, backup the contacts in your phone or view the pictures captured by your phone when the lost mode was activated.

You can also be assured that there is a simple and convenient process for a finder to return your mobile phone to you. If your mobile phone is lost or stolen, not only does the OnGuard mobile app provide comprehensive protection to deter the thief by locking your phone and securing your personal data, it also provides a contact function where the finder can get in touch with us who can recover and deliver the phone back to you at no additional charge.

Can the OnGuard mobile app help me locate my mobile phone if it's switched off?

If your mobile phone is off, you can still view your phone's last location before it was turned off, by logging in to the online vault. As soon as it is turned back on, all of the mobile app's valuable features turn back on with it!

I lost my mobile phone – how does the OnGuard mobile app help me get it back?

If your mobile phone is lost, upon locking the phone, a message will be displayed on the locked screen for the finder to easily contact us. We will then arrange for its pick-up and safe return to you at no cost!

Emergency Cash Advance & Other Assistance Services

How do I request emergency cash advance and travel arrangement services?

If you have contacted us to report your lost or stolen cards or wallet, we would assist you with the blocking of the cards by contacting your card issuers first. Thereafter, we would check if you require emergency cash to be advanced or any travel arrangements to be made. As long as you are at least 160 km away from home, we will arrange for an emergency wire transfer of up to RM6,000 to be made available to you at a nearby Western Union outlet or remittance centre.

Our OnGuard customer service reps will get in touch with your family member / loved one to explain the situation. Once your family member or loved one has successfully transferred the cash advance amount to our designated account (evidence of cash transfer must be produced), we would make the necessary arrangements for that amount of cash for your pickup. With the emergency cash, you could then pay for emergency travel expenses without waiting for the card issuer to send you a replacement credit / debit / ATM card.

In addition, in the event of an emergency or a sudden need to return to your country of residence, our trained customer service staff can assist you in making new arrangements and reservations for air ticket, hotel accommodation and other travel-related services.

For the full list of FAQs, click here.

Read this Product Disclosure Sheet on Takaful OnGuard Card Protection Plan. Be sure to also read the general terms and conditions.

What is this product about?

OnGuard is a unique Card Protection product which also combines Personal Accident coverage with Mobile Phone Protection and Emergency Travel Services (details of which as set out in the Takaful Certificate) into a comprehensive solution which is highly relevant to your lifestyle.

The participant is covered against loss of funds due to fraudulent transactions on his / her lost or stolen credit, debit and ATM cards, as well as robberies at any ATM around the world. The participant will also receive compensation if he / she experiences any type of accident resulting in death and/or hospitalization in the course of business or pleasure. In addition, OnGuard provides a suite of value-added features around the participant's lifestyle, such as recovery of mobile phone when misplaced, reimbursement of cost of replacing important documents, emergency assistance when traveling abroad, and many more.

What are the Shariah concepts applicable?

Takaful is a concept of mutual guarantee which is in compliance with Shariah principles. Contributions collected from participants are pooled together to provide for the benefits in the event of losses suffered by any of its members or participants. Hong Leong MSIG Takaful (HLM Takaful) as a Takaful Operator is entrusted to properly manage this mutual fund.

Iltizam bi Al-Tabarru'
Shall mean the commitment to make Tabarru'.

Tabarru'
Shall mean a certain portion of the contribution that the participant agrees to donate upon occurrence of events approved by Shariah Committee of HLM Takaful, thus enabling him to fulfill his obligation of mutual help and joint guarantee should any of his fellow participants suffer a defined loss where his donation is meant to help others and others' donations are meant to help him

Wakalah
Shall mean an arrangement appointing HLM Takaful to manage the overall services provided under the Certificate. HLM Takaful will take a portion of the contribution as Wakalah Fee in return of the services rendered.

Ju'alah
Shall mean a contract in which the Participant agrees to reward HLM Takaful for its achievement or good performance in managing the Risk Fund.

Qardh
Qardh means an interest-free financing provided by the Operator in the event of deficit in the general takaful fund.

Note:
Distribution of surplus
Any surplus (i.e. Gross Contribution (net of Wakalah Fee), exceeding claims, claims-related expenses, Retakaful, Reserves and other deductions as endorsed by the management and Shariah Committee of the Takaful Operator) from the General Takaful Fund may be distributed between eligible Participants and the Takaful Operator on 50:50 ratio based on Jualah.

What are the covers/benefits provided?

OnGuard provides the following benefits and additional services:

No
Benefits
Coverage
Sum Covered
1 Personal Accident
a. Accidental Death
RM50,000

b. Accidental medical expense reimbursement (maximum 1 incident per year)
RM1,500

c. Hospital Cash due to Accident (up to the maximum of 30 days per incident, and up to 180 days per certificate year
RM 100 per day

d. Double Coverage for all Personal Accident benefits due to ATM robbery

2 Card Loss, Fraud, Theft Protection
a. Fraudulent transaction on all Credit, Debit, ATM cards (due to fraudulent retail purchases, altered lost/stolen cards, skimming, phishing and ATM mechanical tampering)
RM 3,000.00 (RM 1,500 per incident)

b. Cash robbed during ATM withdrawal (maximum of 2 incidents per year)
RM 3,000.00 per incident

c. Online Banking and Mobile Banking Fraudulent Protection (maximum 1 incident per year)
RM7,500.00

d. Fraudulent payment through unauthorised use of mobile phone
RM 3,750.00 (RM 1,500 per incident)

e. Fraudulent transaction due to robbery of mobile remittance device
RM 3,000.00 (RM 1,500 per incident)

f. Cost of replacemnet documents due to robbery (maximum 1 incident per year)
RM750.00

 

Additional Services^

    Emergency Travel Assistance Services
  • Emergency Cash Advance
  • Emergency Travel Arrangement
  • Post Card Loss, Theft and Fraud Assistance
  • Lost Passport Assistance and Consulate / Embassy Referral
  • Emergency Phone Connection
  • Global Medical and Legal Referrals

  • Mobile Phone Protection (only for smartphones operating on Android, iOS, Windows and BlackBerry platforms)
  • Remote Tracking and Location Mapping
  • Remote Locking and Unlocking of Phone
  • Remote Data Backup, Restore and Wipe
  • Picture Capture of Phone's Location
  • 24/7 Helpdesk Support
  • Recovery of Lost Phone
  • Various Lock Functions (SIM Change Lock, International Dial / Roaming Lock)
Note:
*Please refer to the scale of benefits for the coverage above in the takaful certificate.
^ Sigma Loyalty Marketing Sdn Bhd ("Sigma") has been appointed to provide the Additional Services shall be solely responsible for the performance of the Services by Sigma.

 

How much contribution do I have to pay?

Contribution is only RM47 per month excluding Goods & Services Tax of 6%.

What are the fees and charges I have to pay?

Type Amount
Stamp duty N/A
Wakalah fees (include management fee and commission) 85% of contribution or RM39.95 of which:
- Commission paid to takaful intermediaries – 20% or RM9.4
- Goods & Services Tax – 6% or RM2.82

 

What are some of the key terms and conditions I should be aware of?

Age limit:
Between 18 years old and 65 years old at the time of issuance of Takaful Certificate. Once cover is taken, the participant may renew the certificate until he is 70 years old.

Eligible Participant:
This plan can be offered to a Malaysian citizen or a Permanent Resident in Malaysia, including those holding iPass, who is between 18 years to 65 years next birthday. We will not be liable for the same claim under more than one Takaful Certificate for the same Person Covered relating to the same Period of Cover issued by us.

Cash Before Cover: It is a fundamental and absolute Special Condition of this contract of Takaful that the Contribution due must be paid and received by the Takaful Operator before Takaful cover is effective.

Claims Notification: Notify us immediately for any event that may give rise to a claim under your certificate. Notification can be done by calling our Claims Department at 03-7650 1800 or writing in to us.

NOTE This list is not exhaustive. Please refer to the Master Takaful Certificate - for the full list of terms and conditions.

What are some of the major exclusions I should be aware of?

This plan does not cover:

  • Suicide or any attempt at suicide or intentionally self-inflicted injury or any attempt at intentionally self-inflicted injury;
  • Sickness, disease or infections of any kind; except bacterial infections due to an accidental cut or wound, botulism or ptomaine poisoning directly caused by a Robbery;
  • The Participant's commission of or attempt to commit a felony;
  • Declared or undeclared war, or any act of declared or undeclared war.
  • Influenced by drugs, liquor and narcotics.
  • HIV or AIDS or any other venereal disease.
  • Provoked murder or assault.
  • Childbirth, pregnancy and miscarriage.
  • Any pre-existing physical or mental defect or infirmity.
  • Whilst traveling in an aircraft as a member of the crew other than as a fare-paying passenger in an aircraft licensed for passenger service.
  • Involvement in unlawful activities
  • Hazardous sports
Note:
This list is non-exhaustive. Please refer to the Master Takaful Certificate for the full list of exclusions under this certificate.

 

Can I cancel my certificate?

You may cancel your certificate by mailing a written notice to us. However, there will be no refund of contribution allowed where contribution is paid on a monthly basis.

Where cancellation is notified after monthly contribution payment has been deducted/billed but before expiry of current term, the coverage will be extended in tandem with the deduction. Customer has the option for refund rather than extended cover but will be required to submit the refund request directly in person to the company.

What should I do if there are changes to my contact details?

It is important that you inform us of any change in your contact details to ensure that all correspondences reach you in a timely manner.

Where can I get further information?

Should you require further information on our OnGuard Protection Plan, or any other types of takaful product, you can contact us or visit our website at www.hlmsigtakaful.com.my

Hong Leong MSIG Takaful Berhad
Level 5, Tower B, PJ City Development
No. 15A, Jalan 219, Seksyen 51A
46100 Petaling Jaya, Selangor.
Telephone: +603 7650 1800
Fax : +603 7620 6730

Other types of Personal Accident takaful available?

Please ask the Takaful Operator on other types of plans offered by the Takaful Operator.

IMPORTANT NOTE

YOU ARE ADVISED TO NOTE THE SCALE OF BENEFITS FOR DEATH IN YOUR TAKAFUL CERTIFICATE. YOU MUST NOMINATE A NOMINEE AND ENSURE THAT YOUR NOMINEE IS AWARE OF THE PERSONAL ACCIDENT TAKAFUL CERTIFICATE THAT YOU HAVE PARTICIPATED. YOU SHOULD READ AND UNDERSTAND THE TAKAFUL CERTIFICATE OR CONTACT THE TAKAFUL OPERATOR DIRECTLY FOR MORE INFORMATION.

Who do I contact to make a claim?

Call us at our customer service hotline number 03-7650 1800.
Operating hours: Monday to Friday from 9.00 am to 6.00 pm
Alternatively you can reach us at the following address.

Hong Leong MSIG Takaful Berhad

Level 5, Tower B, PJ City Development
No. 15A, Jalan 219, Seksyen 51A
46100 Petaling Jaya,
Malaysia
Tel : +603 7650 1800
Fax : +603 7620 6730

Or email us at ReachUs@takaful.hongleong.com.my

4 Steps Claim Process - How do I make a claim?

Step 1 - Claim Notification

You should immediately notify the us by writing in, giving indication as to the nature and extent of loss or damage.
Notify the police immediately.

Step 2 - Claim Form Requisition

Claim forms are available at our office

Step 3 - Completion of Claim Form

All information required in the claim form must be answered and signed by the claimant or third party covered person.
Please refer to the claim supporting document checklist and submit the necessary original document(s).

Step 4 - Claim Submission

All claims must be submitted with the necessary original supporting documents to us as soon as possible.

When do I need to inform HLMT of an accident that I intend to claim upon?

Within 20 days of the accident occurring. In the case of accidental death or injury, HLMT has to be notified immediately

What happens next?

Once you have contacted us on your intention to claim, we shall supply you with forms for filing proof of loss within a month.