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It’s a fine day, and you’re out with a friend, gushing over the latest cute video of your toddler. Suddenly, someone appears from the corner of your eye, snatches the smartphone from your hand, and runs away.
A few days later, you hear a story about a colleague, who was robbed and lost his laptop while walking to his car in the parking lot.
Then there are the cases you read in the news about people losing money after falling victim to dodgy scam sites that disguise themselves as ecommerce platforms.
Though unfortunate, these incidents aren’t entirely uncommon to us.
While the frequency of crime is beyond our control, there’s something we can do to protect ourselves and bolster the physical and financial impact these incidents can have on us.
Get yourself insured.
Allianz Lifestyle Protect’s All-in-One plan is a brand-new type of insurance plan in the market. With it, you can maintain your lifestyle while being protected from unforeseen circumstances such as online shopping scams, theft of smartphones and more.
Image via Allianz
Here’s a more thorough breakdown of the variety of benefits that Allianz Lifestyle Protect brings:
#1 Snatch Theft or Attempted Snatch Theft
You can get a lump sum payment for any snatch theft or attempted snatch theft incidents so that you can get back up on your feet quicker, in a figurative sense, after the incident.
#2 Smart Device Protection
Most of us own a smartphone. But, what happens if your phone was snatched away by a thief, stolen during a break-in, or if it broke during a theft attempt? Well, with Allianz Lifestyle Protect, you can get compensated! No need to stress about getting your next phone…
#3 Online Purchase Protection
Online shopping has become the ‘new norm’ for buying new things now, but it’s so frustrating when your packages don’t arrive. Worst of all, what if you get scammed by fake websites? With this, you can claim back the full amount of your loss.
#4 Missed Event
Now imagine you’ve been waiting for this amazing concert you already bought the tickets for and suddenly you’re hospitalised due to an accident, which then forces you to miss out on the concert. Don’t worry, because you can be reimbursed for it. Allianz Lifestyle Protect covers event tickets or registration fees to concerts, theme parks, movies and sporting events.
#5 Lifestyle Modification Expenses
Reimburse the cost of modification to your home and vehicle in case you become disabled and need your house and car to be disabled-friendly.
#6 Credit Card and Loan Indemnity
In case you meet with an accident—which leaves you hospitalised for more than 10 days—and don’t have the means to earn money or are short on income, you can be reimbursed the amount for the credit card, hire-purchase, mortgage, or personal loan repayments.
#7 Rehabilitation Expenses
In the event the unfortunate happens and you meet with an accident and require rehabilitation, you can still be reimbursed for the cost of your rehabilitation treatment, even after being discharged from the hospital.
#8 Study Interruption (Optional)
Missing classes if something bad happens and you end up getting hospitalised after an accident can be a real bummer. But if you have Allianz Lifestyle Protect and opt for this optional benefit, you can claim the entire semester’s worth of fees. Besides that, you can also be reimbursed for the cost of transportation to return home to visit an immediate family member who’s hospitalised or to attend the funeral of an immediate family member.
This coverage can also apply to your child who’s still studying. All you need to do is to purchase a separate policy in his or her name and opt for this study interruption benefit.
With Allianz Lifestyle Protect, you can worry less about going back to your current lifestyle even if an unfortunate incident was to take place.
It’s an affordable protection from as low as RM0.23 per day or RM85 to RM245 per year.
And if you’re an existing policyholder of Allianz Shield Plus, you’ll also be entitled to an exclusive rate when you get Allianz Lifestyle Protect. For more information, visit Allianz’s website.
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