FAQ – Your Questions Answered

HAPPI is a digital insurance platform that redefines protection by making it simple, accessible and rewarding. Powered by AI and HAPPIcoin, we deliver seamless insurance experiences while enriching everyday life. Through our smart technology and trusted merchant ecosystem, we make insurance a natural fit for modern lifestyles.

HAPPI provides Personal Accident protection alongside lifestyle rewards through HAPPIcoins, offering value in both protection and everyday use. Members may also earn HAPPIcoins when purchasing eligible insurance products through the app.

HAPPI offers four membership plans: Bronze, Silver, Gold and Platinum. Each plan comes with different Personal Accident coverage amounts and HAPPIcoin rewards. Choose the plan that best suits your lifestyle and protection needs.

Download the HAPPI app via the App Store or Google play, choose your preferred plan, complete your details, make payment, and your membership will be activated instantly.

If you face any issues while signing up, just tap Contact Us in the HAPPI App and our team will be happy to help.

HAPPIcoins are rewards you can earn through your HAPPI Membership. The number of HAPPIcoins you receive may vary depending on your membership or product plan. You may also earn additional HAPPIcoins through eligible referral campaigns.

Yes, HAPPIcoins expire 12 months from the date of issuance. The exact expiry date for each coin batch is displayed in your HAPPIcoin wallet within the app.

No, HAPPIcoins cannot be exchanged for cash. They can be used to redeem eligible rewards, vouchers or services from participating HAPPI merchants.

Personal Cyber Insurance is designed to cover direct financial or material losses caused by unforeseen cyber threats or incidents. The coverage is on a 24-hour and worldwide basis.

Coverage includes incidents such as electronic fund transfer fraud, online retail fraud, identity theft, cyber bullying and e-commerce purchase protection.

On the effective date of this coverage, the Insured Person must be a Malaysian citizen aged 18 years or above.

The coverage period is one year, with the option to renew annually to continue enjoying the benefits.

No, you may only purchases one policy under this insurance.

Home Contents Insurance protects your household contents and personal belongings against loss or damage caused by insured events such as fire, theft, flood, and other unexpected incidents - giving you and your family peace of mind.

Covers loss or damage to your household contents and personal belongings due to insured perils like fire, theft, flood, and accidental damage. Also includes protection for money, locks and keys, and occupier's liability - up to the limit of cover.

The building must be classified as Class 1A, constructed with brick or concrete walls, roofed with tiles or asbestos, and used solely for residential purposes.

The coverage period is one year, with the option to renew annually to continue enjoying the benefits.

Choose from 6 flexible plans, with sums insured ranging from RM25,000 to RM100,000. Select the plan that best matches the total value of your household contents.

Travel insurance provides financial protection for unexpected events during your trip, such as accidents, such as accidents, medical emergencies, travel delays, lost baggage, or trip cancellations. It is designed to the offer peace of mind whether you're travelling domestically or internationally.

A typical travel insurance policy may include:

• 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 and sum insured may vary depending on whether it is an international or domestic trip.

Yes, many travel insurance policies offer optional coverage for cruise-related risks. This may include benefits such as cruise cancellation, curtailment, re-routing, and medical emergencies while onboard. Coverage availability and benefit limits may vary by insurer and plan, so please check the specific policy for details and whether a Cruise Pack add-on is required.

Travel insurance does not typically cover:

• 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.

• Single Trip Plan: Covers one journey from the departure date until return.

• Annual Trip Plan: Covers multiple journeys within a year (usually limited to 90 days per overseas journey and 30 days per domestic journey).

Travel insurance is generally available to individuals subject to the insurer's underwriting guidelines. Eligibility may vary based on factors such as age and residency status. Please refer to the specific policy terms for full details.

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.

Yes, most plan offer compensation for:

• Lost, stolen, or damaged baggage

• Portable electronics (limit apply)

• Travel documents or money (subject to sub-limits and conditions)

Any sports or sporting activities that presents a high level of inherent danger is not covered.

Yes, a cruise trip is included in this insurance. You can opt for the optional Cruise Pack add-on by paying an additional premium, which provides extra benefits like Excursion Tour Cancellation, Excursion Tour Curtailment and Cruise Re-route.

Auto insurance provides financial protection for your vehicle against accidental damage, theft, fire, and third-party liabilities, subject to the policy terms.

Both plans include basic protection for damage to your car and third-party liability.

Coverage includes accidents, fire, explosion, theft, malicious acts, impact damage, windscreen breakage, and incidents while in transit. Terms apply.

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.

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.

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).

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.

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.

You may contact your selected or preferred insurer for further product information. The insurer's contact details are available in the Policy Wording or Product Disclosure Sheet (PDS). You may also reach the chatbot for general information, guidance, and further assistance.