Introduction:
These Terms & Conditions govern the purchase and use of the Allianz Shield Plus personal accident insurance plan (“the Plan”) offered by CK Wealth Solution (“the Company”). The Plan is underwritten by Allianz General Insurance Company (Malaysia) Berhad (“Allianz”).
Eligibility:
Users must be at least 21 years old to purchase the Plan.
Purchase Process:
Users can purchase the Plan during checkout before making payment.
Account Registration:
No account registration is required for purchasing the Plan online. Upon purchase, an application will be sent to Allianz for approval and the policy will be sent to the insured via email.
Unlawful Activities:
Users are prohibited from using the platform for fraudulent or unlawful purposes.
Policy Issuance:
After payment, users will receive an e-invoice via email.
Policy issuance will take 1 working day for bank transfer payments and 3 working days for credit card or FPX payments.
Claims and Disputes:
Claims will be handled by Allianz General Insurance Company (Malaysia) Berhad.
Disputes can be directed to Allianz.
Disclaimer:
The Company, CK Wealth Solution, is an authorized agent selling the Plan. The Company is not Allianz and acts solely as an intermediary. The Company’s agent code is KL22692.
Limitation of Liability:
The Company is not liable for any issues related to the Plan or its coverage. Users must contact Allianz for policy-related queries or claims. CK Wealth Solution is not liable for any claims or pay-outs related to the Allianz Shield Plus personal accident insurance plan.
Updates:
The Company reserves the right to update these Terms & Conditions at any time.
Purpose of Updates:
Updates to the Terms & Conditions may be made for various reasons, including but not limited to regulatory changes, improvements to services, or updates to company policies.
Notification of Updates:
Users will be notified of any updates to the Terms & Conditions via email. It is the user’s responsibility to review and accept the updated Terms & Conditions.
Intellectual Property Ownership:
All intellectual property rights related to the platform and services provided by CK Wealth Solution are fully owned by CK Wealth Solution.
Promotional Codes:
Coupons for discounts on policies will be provided in the form of promo codes or QR codes. Users can redeem these codes during the purchase process to receive a percentage off from the policy price.
Third-Party Websites:
The platform operated by CK Wealth Solution will not contain links to third-party websites. Users are encouraged to exercise caution when navigating external websites.
Representation of Allianz General:
CK Wealth Solution acts as the authorized representative of Allianz General Insurance Company (Malaysia) Berhad. Our role includes providing claims advice and facilitating the renewal process. CK Wealth Solution is not liable for any claims or pay-outs related to the Allianz Shield Plus personal accident insurance plan.