MRCM Clinic Cover
Your clinic cover quotation
Tell us about your clinic and what it holds. Your fire, burglary, public liability and plate glass premiums, and the total payable, appear once every question is answered.
Need cover for malpractice claims against your clinic? Request a Medical Malpractice quotation.
Perils covered and excess
Section I covers fire and lightning, extended with these perils.
| Peril | Excess |
|---|---|
| Aircraft damage | Nil |
| Storm, tempest | 1% of sum insured or RM 200, whichever is lower |
| Flood | 1% of sum insured or RM 2,500 each and every loss, whichever is lower |
| Explosion (non-industrial, without boilers) | Nil |
| Impact damage, including your own vehicles | RM 250 each and every claim |
| Bursting or overflowing of water tanks, apparatus or pipes | Sum insured above RM 50,000: RM 1,000 each loss. Below RM 50,000: 1% of sum insured, minimum RM 100 |
| Riot, strike and malicious damage | Nil |
Good to know
- Quoted on the basis of no claims in the past 3 years. No backdating of cover.
- Insure at reinstatement value: the cost to replace with property of the same kind, new. If you are under-insured, the Average Clause reduces any claim in proportion.
- Burglary is on a first-loss basis and cannot exceed your fire sum insured. It needs evidence of forcible entry or exit.
- Public liability covers injury to others or damage to their property arising from your premises, anywhere in Malaysia.
- Plate glass covers fixed glass in doors, windows and display cases.
- Fire extinguishers must be accessible and in working order at all times.
- Quotation valid for 14 days. Final terms follow the policy document from Great Eastern General Insurance (Malaysia) Berhad.