Home Guard  
An Insurance cover specially designed to indemnify you againts loss of damage cause by fire, lightning, explosion, aircraft damage, image damage, bursting or overflowing of water tanks or pipes, hurricane cyclone, typhoon, windstorm, earthquake, volcanic eruption and flood to your household goods and personal effects. This insurance also extends to the following covers...
  • Full Theft
  • Liability to Third Party up to RM300,000.00
  • Riot Strike and Malicious Damage
  • Cash up to RM500/-
  • Subsidence and Landslip
  • Replacement of External Locks up to RM500/-
  • Breakage of Mirrors up to RM500/-
  • Worldwide Personal Accident cover up to RM25,000.00
  • SOS Domestic Assistance
  • Frozen and Perishable Food up to RM500/-

SOS Dosmestic Medical Assistance

A breakthrough in our house contents Insurance. For the first time owning a contents insurance - HOMEGUARD - opens your door to special medical assistance within the country during in EMERGENCY through the Domestic Medical Assistance (DMA) programme.

What is DMA ?

DMA is a special service in a form of medical assistance provided by International SOS? Assistance with a 24 hour access to medical officers who will provide adequate medical care in emergencies to the policyholder.

What are the benefits of DMA?

24-Hour SOS? Hotline for Referrals To Doctors And Hospitals
You can access to any SOS? Alarm Centres within Malaysia manned by multilingual staff on duty 24 hours a day who will advise you on medical referrals and services.

Emergency Medical Evacuations

When medical facilities are inadequate at original place of occurrence of illness/injury a medically supervised evacuation of facilitate adequate medical care at the nearest facility within Malaysia is made available to you.

Medically Supervised Repatriation

If you are hospitalised outside your home state, and it is determined (by SOS? physician together with attending physician), after stabilisation, that treatment should continue while recuperating in your home state, SOS? will arrange for repatriation which is medically supervised at no cost.

Despatch of Medicine

SOS? will also send essential medicine that is not available locally but you will have to pay for the cost of the medicine.

Hospital Deposit Guarantee

When you are caught in an emergency needing hospitalization at odd hours or circumstance with no funds at hand, SOS? stands by you, with a guarantee not exceeding RM2,500 to ensure medical facility is provided. All hospital bills must be settled upon discharge and SOS? shall be reimbursed for cash advancement within 45 days from the date of payment at no interest.

Interest Insured

On all household good and personal effects of each and every description subject to the total value platinum, gold and silver, jewelry and furs being deemed not to exceed one third (1/3) of the Total Sum Insured. No one article (furniture, pianos, organs, household appliances, radios, televisions, video recorders, hi-fi equipment and the like excepted) shall be deemed of greater value than five percent (5%) of the Total Sum Insured unless such article is specially declared as a separate item.

Sum Insured

  • All Buildings relating to the above insurance must be constructed of brick/concrete wall and roofed with tiles/asbestos. It must be solely for the purpose of dwelling.
  • This policy does not cover loss or damage to deeds, bonds, bills of exchange, promissory notes, cheques, securities for money, stamps, documents, manuscripts, medals and antique coins, motor vehicles and accessories or livestock.