- Accidental Death and Permanent Disablement
Your sum covered as stated in your Certificate of Takaful will be paid in the unfortunate event of death or permanent disablement due to accidental injury during your journey within PLUS Expressways.

- Accidental Hospital Income
Supplementary coverage that provides daily cash allowance of up to RM50 while you are hospitalised due to accident during your journey within PLUS Expressways, up to a maximum period of thirty (30) days.

- Traffic Congestion Cashback
Supplementary coverage that provides compensation if you are suffering from unexpected and unusual traffic congestion caused directly and solely by Major Accident, flood, landslip, and bridge collapse during your journey within PLUS Expressways.
Please note that the definition of Major Accident is limited to accident that involves at least one (1) serious injury or one (1) fatality or activation of Mandatory Exit or Contra Flow (as a result of Mandatory Exit activation procedure) as reported by PLUS Expressways.

- Hotel Accommodation Benefit
If you suffer from vehicle accident/breakdown during your journey within PLUS Expressways, and require overnight accommodation at a hotel as a direct result of that incident, the certificate will provide compensation for such hotel accommodation expenses for up to RM300.

- Car Replacement Allowance
If you suffer from vehicle accident/breakdown during your journey within PLUS Expressways, and require your vehicle to be sent to a workshop for necessary repair, the certificate will provide compensation for car rental expenses that is incurred by you for up to RM100, and up to a maximum period of 5 days.

Please refer to the certificate wording for full coverage information.

You have to participate in this takaful product at least one (1) day before your journey begins.

You can choose either a Weekly or Monthly coverage plan that suits your travel plans and budget. The Weekly plan has a coverage period of seven (7) days, while the Monthly plan has a coverage period of one (1) month.

Yes, there is a waiting period for Traffic Congestion Cashback. The eligibility for Traffic Congestion Cashback starts 24 hours after the effective date of your Certificate of Takaful.

1. War, Civil War
2. Pre-existing condition
3. Suicide while sane or insane
4. Provoked Murder or Assault
5. Any kind of racing other than on foot
6. Radiation, Nuclear
7. Riding/driving without a valid license

Please be informed that under the Traffic Congestion Cashback, the following Special Exclusions (in addition to the standard certificate exclusions) will apply:

1. Claims within the first twenty-four (24) hours Waiting Period from the effective date of Certificate of Takaful
2. Road closure or road clearance was on emergency lane only
3. The Certificate of Takaful will exclude any claimable event(s) (i.e. unexpected or unusual traffic due to Major Accident, flood, landslip, bridge collapse) five (5) hours after the occurrence of the said event as reported by PLUS Expressways. This means if you entered PLUS Expressways (by tapping your TNG card or using RFID tag at PLUS Entry Toll Plazas) five (5) hours after the event has occurred, you will not be eligible to claim for this benefit.

1. Only one (1) Traffic Congestion Cashback claim is allowed throughout the Period of Coverage, and it can be submitted at https://pluscare.plus.com.my/policy . Proof/evidence of the unexpected and unusual traffic at any PLUS Expressways shall be provided by PLUS Expressways Berhad;
2. Road closure or road clearance as a result of Major Accident, flood, landslip, or bridge collapse must be more than three (3) hours;
3. You have to provide proof of your affected journey at PLUS Expressways by providing official toll transaction records that set out toll tap-in & tap-out time, name of the entry & exit toll plaza, and TNG Card/RFID Tag identity number attached to your affected journey. Such official toll transaction records/details can be obtained via Touch n Go official transaction statement (for TNG Card user), or Touch n Go e-wallet apps (for RFID user), or PLUSMiles portal/PLUS App for PLUSMiles member;
4. You must submit the claim for this Traffic Congestion Cashback within five (5) days from the date of the incident;
5. Eligibility for this benefit starts twenty-four (24) hours after the Effective Date of the Certificate of Takaful.

1. For vehicle breakdown, the breakdown must occur at least one hundred (100) km away from your residential address that you are permanently residing in Malaysia;
2. Necessary towing is incurred in the event of vehicle breakdown;
3. Labour work for repairing of the vehicle must take more than forty-eight (48) hours and must be reasonably repaired, in the event of vehicle breakdown;
4. The hotel accommodation receipt must be issued under your name. RM 300 is the maximum cap amount for the booking of a hotel; and
5. In respect to the same covered event during the Journey, you can only claim from either Hotel Accommodation Allowance Benefit or Car Replacement Allowance Benefit, but not both.

1. Necessary towing is incurred in the event of vehicle breakdown;
2. Labour work for repairing of the vehicle must be taken more than forty-eight (48) hours and must be reasonably repaired, in the event of vehicle breakdown;
3. Car Replacement Allowance Benefit is payable up to the maximum of RM100 per day; and
4. In respect to the same covered event during the Journey, you can only claim from either Hotel Accommodation Allowance Benefit or Car Replacement Allowance Benefit, but not both.

No, you can only claim either Hotel Accommodation Benefit or Car Replacement Allowance Benefit and not both following the same covered event.

For Closed Toll System: The coverage shall commence from the moment you enter any of PLUS Expressways using your registered TNG card or RFID tag to pay for the toll rates at PLUS Expressways, and shall cease immediately upon your exit (at the exit toll plaza) using the same registered TNG card or RFID tag.

For Open Toll System: The coverage shall commence from the moment you drive through the toll booth at any of PLUS Expressways open toll system using your registered TNG card or RFID tag to pay for the toll rates at PLUS Expressways, and shall automatically cease ninety (90) minutes thereafter, or once you exit from the PLUS Expressways, whichever is earlier.

Closed Toll System PLUS Expressways shall mean PLUS Expressways with toll charges that are based on the vehicle class and the distance traveled by the vehicle when enter into and exit from the toll plaza of the PLUS Expressways. Payment of toll rate is only done at the exit of toll plaza. Below are belong to Closed Toll System PLUS Expressways.

1. North-South Expressways except Jitra Toll Plaza, Kempas Toll Plaza, Bangunan Sultan Iskandar Toll Plaza
2. North-South Expressways Central Link
3. New Klang Valley Expressway

Open Toll System PLUS Expressways shall mean PLUS Expressways with toll charges that have been set based on the vehicle class, where you only pay the toll rates upon enter to the PLUS Expressways toll plaza.

1. North-South Expressway (Jitra Toll Plaza, Kempas Toll Plaza, Bangunan Sultan Iskandar Toll Plaza)
2. Seremban-Port Dickson Highway
3. Malaysia-Singapore Second Link
4. Butterworth-Kulim Expressway
5. Penang Bridge

No, coverage will not be provided if you are travelling on other expressways that are not operated by PLUS Expressways Berhad. This product only provides coverage whilst you are travelling within any PLUS Expressways as following: -

1. North-South Expressway
2. New Klang Valley Expressway
3. Seremban-Port Dickson Highway
4. North-South Expressway Central Link
5. Malaysia-Singapore Second Link
6. Butterworth-Kulim Expressway
7. Penang Bridge

You can make a contribution via FPX or Debit Card / Credit Card (Visa or MasterCard) on PLUSMiles digital platform.

If the payment is not successful, the Certificate of Takaful will not be issued and you will be redirected to the Main Page. Do ensure the debit card / credit card / FPX information is accurate prior to making payment.

You can make your payment via FPX or Debit Card/Credit Card (Visa or MasterCard).

Once your Certificate of Takaful is issued, no cancellation / return of contribution is allowed.

You can log in directly to lodge for a claim at PLUSCare portal https://pluscare.plus.com.my/policy or via the PLUS app.

For all type of claims:

1. Copy of police report on the alleged accident (if any)
2. My Journey Statement/media transaction records through the PLUS app
3. Photos depicting the damages/events (if any) as a proof or a copy of a dashcam recording (if applicable).

Additional documents required for
Benefit A - Accidental Death and Permanent Disablement

1. Certified True Copy of Death Certificate (for death claim)
2. Certified True Copy of Post-Mortem Report (for death claim)
3. Certified True Copy of claimant's identity card and proof of relationship i.e. birth certificate / marriage certificate (for death claim)
4. Medical specialist report and assessment of the disability done within 12 months after the date of accident (for permanent disablement claim)
5. Photos for total loss by physical severance / amputated (for permanent disablement claim)
6. Medical report and any other documents to support the claim

Benefit B - Accidental Hospital Income

1. Medical report and any other documents to support the claim
2. Copy of the admission bill

Benefit C - Traffic Congestion Cashback

1. Proof/evidence of the unusual traffic at any PLUS Expressways shall be provided by PLUS Malaysia Berhad like:
   1. Assessment report from PlusRonda on the respective accident incurred.
   2. Time spent for Road Closure or Road Clearance by PLUS. (from start to end).
2. Proof/evidence that the Person Covered suffered from unusual traffic at any PLUS Expressways.

Benefit D - Hotel Accommodation Allowance

1. Police report of the accident (if it is an accident)
2. Towing receipt for proof of towing
3. If it is a breakdown, the location of the breakdown (as the condition must be one hundred (100) km away from the Person Covered’s residential address) (ZGTMB may ask for utility bills for address verification)
4. Hotel receipt (must be under the name of the Person Covered)

Benefit E - Car Replacement Allowance

1. Police report of the accident (if it is an accident)
2. Towing receipt for proof of towing
3. Car repair invoice

Zurich General Takaful Malaysia Berhad will revert within seven (7) working days from the last document received.

Status of your claim can be checked via the PLUS app or PLUSCare portal at https://pluscare.plus.com.my/policy

For these benefits below, you can only claim once within your current plan:
Benefit A - Accidental Death and Permanent Disablement
Benefit C - Traffic Congestion Cashback

For the following benefits, you can submit multiple claims within your current plan, subject to the terms and conditions stated in the Certificate Wording:
Benefit B - Accidental Hospital Income, up to thirty (30) days, as per the limit stated in the Certificate Wording.
Benefit D - Hotel Accommodation Benefit, as per the limit stated in the Certificate Wording.
Benefit E - Car Replacement Allowance, up to five (5) days, as per the limit stated in the Certificate Wording.

However, please note that you can only claim either Benefit D (Hotel Accommodation Benefit) or Benefit E (Car Replacement Allowance Benefit) at any covered event occurred on same incident date.