Applicants must be active MBF Cards CardMembers.

CardMembers will be offered 3 plans only.

Eligible age is 21 to 65 years old.

MBF Cards (MBFC) Smart Partnership Program membership is for 1 year and will be automatically renewed annually.

Payment must be made through an MBF credit card where subscription is deducted on a monthly basis.

Last 3 months of subscription fee will be waived for the first year as the Sign-on Gift.

Sufficient funds are required in your MBF credit card account for deduction of subscription fee to activate MBFC Smart Partnership Program membership.

A certificate of insurance will be issued by Oriental Capital Assurance Berhad.

Subscriptions paid are not refundable upon cancellation of membership.

The subscription fee waiver, Rebate vouchers for rooms at Equatorial Cameron Highlands Hotel and additional BonusLink Points are valid only for the first year of subscription only.

BonusLink Points are rewarded accordingly after subscription to one of the 3 plans offered under the MBFC Smart Partnership Program.

Oriental Capital Assurance Berhad will be the general insurer participating in this Insurance Programme (to provide insurance coverage to MBF Cards CardMember).

Principal CardMember who intends to be insured shall be at least twenty-one (21) years old and Supplementary CardMember shall be at least eighteen (18) years old. The maximum age limit for both Principal and Supplementary CardMembers is sixty-five (65) years old.

This plan pays out 100%, on top of any other Insurance coverage.

The Insurance Company shall pay for daily allowance as stated in the Certificate for hospital confinement with admission for a minimum period of eight (8) hours upon the recommendation of a Physician provided that the Participant’s confinement is a result of an accident.

Payment for such benefit shall not exceed the maximum days of confinement per accident in a private / government hospital or approved by insurer (panel).

Credit Card Protection pays an amount equal to all authorized transactions made on your insured credit card which remain unpaid prior to the injury due to accident giving rise to Permanent Disability or Death, subject to the maximum sum insured.

In the event of the CardMember’s death, the outstanding balance from the credit card will be paid directly to MBF Cards (M’sia) Sdn Bhd by the Insurance Company in accordance to the plans option.