FAQ – Your Questions Answered

HAPPI 是一个数字平台，旨在让保险更简单、更有奖励，也更安心。我们结合必要保障与精彩生活福利，为您的日常生活带来安心和额外价值。

通过 HAPPI，您可在一个顺畅平台中享受即时保障、透明资讯和增值奖励，也能累积 HAPPIcoin，兑换生活与商户伙伴的优惠。

HAPPI 提供 Bronze、Silver、Gold 和 Platinum 四种会员计划。每个计划包含不同保险保障额度和 HAPPIcoin 奖励，请选择符合您生活方式和保障需求的计划。

只需从 App Store 或 Google Play 下载 HAPPI 手机应用，打开应用后选择会员、填写资料并付款即可加入。您也可浏览 happi.com.my，网站会引导您下载应用。

如果遇到任何问题，请在应用内点击 Contact Us，我们的团队会尽快协助您。

购买或续订 HAPPI 会员即可赚取 HAPPIcoin。不同会员或产品计划提供不同数量的 HAPPIcoin，您也可推荐亲友加入 HAPPI 赚取更多。

会。除非另有说明，HAPPIcoin 自发出日起最长可在一（1）年内兑换。

不可以。HAPPIcoin 不可兑换现金，只能通过我们认可的商户伙伴兑换商品或服务。

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.

旅游保险为旅途中发生的意外事件提供财务保障，例如事故、医疗紧急情况、旅程延误、行李遗失或行程取消。

典型福利可包括个人意外保障、医疗费用、紧急医疗撤离与送返、回马后续治疗、行李/文件/现金损失、旅程延误或取消，以及 24/7 协助服务。

是，保单在符合条件下包含 COVID-19 相关医疗费用、旅程取消、行程缩短和住院收入等福利。

常见除外责任包括既有病症、自残或自杀、药物或酒精相关事件、高风险运动、非法活动，以及未受计划保障的战争、恐怖主义或疫情相关索赔。

单次旅行计划保障一趟旅程；全年旅行计划在一年内保障多趟旅程，通常每趟旅程有天数限制。

申请资格取决于保险商承保指引，包括年龄和居留身份等因素。详情请参阅具体保单条款。

建议在预订旅程后尽快购买，以便享受出发前行程取消保障和紧急医疗保障。

多数计划可为遗失、被盗或损坏的行李、便携电子设备、旅行文件或现金提供赔偿，受限额和条件约束。

具有高度固有危险的运动或体育活动通常不受保障。

是，邮轮旅行包含在此保险内。您可支付额外保费选择 Cruise Pack 附加保障，享有岸上活动取消、缩短和邮轮改道等额外福利。

汽车保险根据保单条款，为您的车辆因意外损坏、盗窃、火灾和第三方责任提供财务保障。

两个计划都包含车辆损坏和第三方责任的基本保障。

保障包括事故、火灾、爆炸、盗窃、恶意行为、撞击损坏、挡风玻璃破裂，以及运输途中事故，具体受条款约束。

常见除外责任包括无法使用车辆、自然损耗、机械故障、间接损失、特定自然灾害和电子数据损失。请参阅完整保单。

如果车辆不具维修经济性，或被盗后未寻回，保险商可能支付市值或投保金额中较低者，付款后保单终止。

若维修使用全新原厂零件并改善车辆状况，您可能需根据车龄承担部分费用。

若驾驶者未满 21 岁、持临时/学习驾照，或未列名于保单，可能会额外扣除 RM400。

车辆市值根据损失发生时的 ISM 估值计算，有助避免投保不足和索赔金额争议。

Manulife Easy 5 is a standalone, non-participating critical illness plan that provides coverage against 5 advanced stage critical illness and Intensive Care Unit (ICU) admission.

It offers:

• Lump sum payout upon diagnosis of early, intermediate, or advanced stage critical illness

• ICU admission benefit

• Guaranteed survival benefit every 5 years

• Bereavement benefit upon death

Manulife Easy 5 is a non-participating term plan with a coverage duration of up to age 70 next birthday.

You can choose a coverage amount based on the plan options:

• RM50,000

• RM100,000

• RM150,000

• RM200,000

You can apply if you are from 17 to 50 years old, subject to underwriting assessments and your health declaration.

No. You just need to answer a few simple health questionnaires after selecting your desired plan, and approval is subject to underwriting assessment.

No, you are only allowed to purchase one Manulife Easy 5 policy per life via HappiSafe, subject to underwriting assessments.