FAQ - Your Questions Answered
Explore common queries about our subscription services. We're here to assist you.
Popular Question
What is HAPPI?
What are the benefit of using HAPPI?
What plans does HAPPI offer, and how do I choose?
How do I join HAPPI?
You may also visit our website at happi.com.my which will direct you to download the app.
What if I face issues while signing up?
HAPPIcoin
What are HAPPIcoin?
Do HAPPIcoin expire?
Can I redeem my HAPPIcoin for cash?
Personal Cyber Security
What is the Personal Cyber Insurance (PCI) policy?
What events are covered by the PCI policy?
What is the coverage period for the PCI policy?
Who is eligible to purchase this insurance?
Anyone aged 18 and above who is Malaysian citizen. Non-citizens require special approval before purchasing.
Can I purchase more than one PCI policy?
Home Content
What is the Home Content Insurance policy?
Disclaimer: Please refer to the official policy document at the time of purchase for full terms, coverage details, and exclusions.
What are the events covered under the Home Contents Insurance policy?
The policy covers loss or damage to your home contents caused by various perils such as fire, lightning, explosion, impact from vehicles or animals, burst water tanks, natural disasters (earthquake, hurricane, flood), theft involving forcible entry, vandalism, falling trees, riot, and accidental damage. However, certain exclusions, conditions, and deductibles apply depending on the situation.
Disclaimer: Please refer to the official policy document at the time of purchase for full terms, coverage details, and exclusions.
What benefits are provided in case of an incident?
The policy offers various additional benefits such as compensation for personal liability, loss of money, damaged locks or keys, repair of doors or windows, and even freezer food loss. It also covers expenses like fire brigade charges, debris removal, and government evacuation orders, depending on the situation.
Disclaimer: Benefits and limits are subject to the terms and conditions of the insurance policy in effect at the time of purchase. Please refer to the official policy document for full details.
What are the available plans?
What is the cost of the premium?
Travel Insurance
What is Travel Insurance?
What benefits are included under a Travel Insurance policy?
• Personal accident coverage (death or disability)
• Medical expenses (due to accident or illness)
• Emergency medical evacuation & repatriation
• Follow-up treatment in Malaysia
• Loss or damage to baggage, documents, or money
• Travel delays, misconnection, or cancellations
• Lifestyle disruptions
• Assistance services (24/7 hotline, travel assistance)
Note: Coverage may vary depending on the plan type (e.g., international vs. domestic).
Are COVID-19 related issues covered?
Yes, many travel insurance plans now extend benefits to cover COVID-19 related issues, such as:
• Medical expenses due to COVID-19 illness
• Emergency evacuation and repatriation
Always refer to the policy wording for full terms and coverage conditions.
What are some common exclusions under Travel Insurance?
• Pre-existing medical conditions
• Self-inflicted injuries or suicide
• Drug or alcohol-related incidents
• Participation in high-risk sports or illegal activities.
• Claims related to war, terrorism (unless stated), or pandemics not covered by the plan
Always review the policy’s exclusion clause for details.
What is the difference between a Single Trip and an Annual Trip plan?
• Single Trip Plan: Covers one journey, from the departure date until return.
• Annual Trip Plan: Covers multiple trips within a year (usually limited to 90 days per trip), ideal for frequent travelers.
Who can apply for Travel Insurance?
Travel insurance is generally available to individuals subject to the insurer’s underwriting guidelines. Eligibility may vary based on factors such as age, residency status, and trip duration. Please refer to the specific policy terms for full details.
When should I buy Travel Insurance?
It is recommended to purchase travel insurance immediately after booking your trip to enjoy benefits such as trip cancellation protection and medical coverage in case of emergencies before departure.
Does the plan cover loss or damage to personal items?
• Lost, stolen, or damaged baggage
• Portable electronics (limit apply)
• Travel documents or money (subject to sub-limits and conditions)
Is cruise travel covered under Travel Insurance?
Auto Insurance
What is Auto Insurance?
Auto insurance provides financial protection for your vehicle against accidental damage, theft, fire, and third-party liabilities, subject to the policy terms.
What does the plan cover?
Both plans include basic protection for damage to your car and third-party liability.
What incidents are typically covered?
Coverage includes accidents, fire, explosion, theft, malicious acts, impact damage, windscreen breakage, and incidents while in transit. Terms apply.
What is not covered under the policy?
Common exclusions include loss of use, wear and tear, mechanical failure, consequential losses, convulsions of nature, and loss of electronic data. Please refer to the policy for the complete list.
What happens if the car is declared Beyond Economic Repair (BER)?
If your car is not economical to repair or is stolen and not recovered, the insurer may pay the market value or sum insured, whichever is lower. The policy will terminate once payment is made.
What is Betterment?
If new original parts are used for repairs, and your car is improved as a result, you may need to contribute based on your car’s age. The rate ranges from 0% (for cars less than 5 years old) up to 40% (for cars 10 years or older).
What is Compulsory Excess?
An extra RM400 may be deducted if the driver is under 21, holds a provisional/learner license, or is not named in policy. This is in addition to the standard excess unless exceptions apply.
What is the Market Valuation System?
The Market Value of your car is based on the ISM valuation at the time of loss. This helps avoid under-insurance and disputes over claim amounts.
