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Terms and Conditions

Total Relationship Rewards

1. To qualify for the Total Relationship Rewards, there must be at least one (1) retail spending on the Standard Chartered Priority Banking Visa Infinite Card each calendar month.

2. The Total Relationship Rewards points will be credited into the valid Priority Banking Visa Infinite Card monthly.

3. Standard Chartered Priority Banking Visa Infinite Cards that are invalid, delinquent or closed will not qualify for the Total Relationship Rewards.

4. Total Relationship Rewards are only awarded on personal Current and Savings Accounts, Fixed Deposits, Investments and Home Loans where the Principal Visa Infinite Cardmember is the primary account holder. Current and Savings Accounts, Fixed Deposits, Investments and Home Loans that are closed within the previous calendar month will not earn any points.

5. The Bank reserves the right to award the Total Relationship Rewards to only ONE of the account holders, where the Priority Banking account is jointly owned.

6. The qualifying balance of Current and Savings Accounts is the total monthly net average credit balance of all local and foreign currency accounts of the previous calendar month from the Visa Infinite Card statement. The maximum rewards points that can be granted for Current and Savings Accounts is 1,000 points per month.

7. The qualifying balance of Fixed Deposits is the total monthly average balance of all local and foreign currency Fixed Deposits of the previous calendar month from the Visa Infinite Card statement. The maximum rewards points that can be granted for Fixed Deposits is 1,000 points per month.

8. The qualifying balance of Investments is the total month end balance for Unit Trusts, Premium Currency Investment, Structured Deposits, Medium Term Notes and/or other investment products defined by the Bank from time to time, of the previous calendar month from the Visa Infinite Card statement. The maximum rewards points that can be granted for Investments is 1,000 points per month.

9. The qualifying balance of Home Loan is the outstanding balance of all Home Loans of the previous calendar month end from the Visa Infinite Card statement. Loan amounts that are approved but not disbursed do not qualify. The maximum rewards points that can be granted for Home Loans is 1,000 points per month.

10. Points earned is set at 5 points for every BND10,000 qualifying balance.

11. The period used for balance calculation for all the products in Relationship Rewards is based on calendar month; e.g. 1 January - 31 January, 1 June - 30 June, and etc.

12. The methods used to compute qualifying balances are at the sole discretion of the Bank.

13. The qualifying balance used for the calculation of Total Relationship Rewards for Current and Savings Accounts, Fixed Deposits, Investments and Home Loans in foreign currencies will be converted into Brunei Dollars equivalent at the foreign exchange rate determined by the Bank. Such rates may fluctuate from time to time. The qualifying balance may not be the same as the balances of the respective products’ statement balances.

14. The rewards points accumulated as displayed in the Standard Chartered Priority Banking Visa Infinite Card’s monthly statement is defined as follows:
rewards points on Total Relationship Rewards and active cards brought forward from previous month + rewards points awarded in current month’s credit card statement + rewards points adjustment (if any) – - rewards points used. (This shall only apply where there is at least one Visa Infinite retail transaction made in the month).

15. Only active credit cards during the Visa Infinite Card statement month will be shown in the Total Relationship Rewards.

16. The Bank reserves the right not to reward Total Relationship Rewards on any particular Current and Savings Accounts, Fixed Deposits, Investments, Home Loans, Products or Credit Card at its sole discretion.

17. The Bank may from time to time change the Terms and Conditions for Total Relationship Rewards.

Travel Accident Insurance

Standard Chartered Bank, Brunei (‘the Bank’) has arranged travel accident insurance coverage for the benefit of Standard Chartered Visa Infinite and Platinum Cardmembers in Brunei (‘Cardmembers’) under the Master Policy issued by Insurans Islam TAIB Sdn Bhd (‘Insurer’), to the Bank, the full terms of which may be inspected on request.


THE INSURED

Cardmembers, their legal spouse and dependant children, aged between 3 months to 23 years, unemployed and unmarried at the time of accident.


PUBLIC CONVEYANCE

Any air, land or water conveyance which is duly licensed for the regular transportation of fare-paying passengers excluding any hired or rental car of any conveyance operated for the purpose of amusement or entertainment.


ACCIDENT

An unforeseen and unexpected event which happens suddenly to the Insured and gives rise to a result not anticipated.


INJURY

Any bodily injury caused solely and independently by Accident and not by sickness, disease or gradual, physical or mental wear and tear.


ILLNESS

Any sudden and unexpected deterioration of health of an Insured due to a medical condition contracted, commencing or manifesting during the trip outside Brunei which requires the treatment by a medical practitioner provided the illness is not pre-existing and the nature of the illness is not excluded from this policy.


PRE-EXISTING CONDITION

Any Injury, Illness or condition for which treatment, medication, advice, or diagnosis has been sought or received during the twelve (12) months prior to the commencement of the trip or which was known by the Insured to exist prior to the commencement of the trip whether or not treatment, medication, advice or diagnosis was sought or received.


DURATION OF COVER

This Policy automatically applies to every Insured and will only cease to apply when the Insured is no longer eligible to be insured under the Master Policy or upon the date that the Master Policy terminates, whichever occurs first. Any such termination shall not prejudice any claim arising prior to the termination.


SECTION 1 - PERSONAL ACCIDENT

Where an Insured suffers Injury while:

(a) the Insured is travelling anywhere in the world as a fare-paying passenger in a air, land or water conveyance and where the entire fare for the Insured's travel in that conveyance has been fully charged to the Cardmembers valid Visa Infinite or Platinum Card issued by the Bank;

(b) the Insured is travelling directly to or from an airport immediately preceding scheduled departure or immediately following scheduled arrival of such aircraft, provided that the entire fare for travel has been fully charged to the Cardmembers valid Visa Infinite or Platinum Card issued by the Bank.

which independently of any other cause gives rise to any of the Results (1) to (4) occurring within one year from the date of Accident.


RESULT BENEFIT
    Principal Spouse Child
    Cardholder    
(1) Death BND500,000 BND250,000 BND125,000
(2) Loss of both hands or both feet or sight of both eyes BND500,000 BND250,000 BND125,000
(3) Loss of one hand and one foot BND500,000 BND250,000 BND125,000
(4) Loss of either one hand or one foot and sight of one eye BND500,000 BND250,000 BND125,000
(5) Loss of either one hand or one foot BND250,000 BND125,000 BND62,500
(6) Loss of sight of one eye BND250,000 BND125,000 BND62,500

The term “loss” as used in this policy shall mean with regard to hands and feet, actual severance through or above wrist or ankle joints and with regard to eyes, entire and irrecoverable loss of sight.


Provided always that:


1) If the Insured qualifies for one or more Benefits under any of Results (1) to (6) arising out of one Accident, the Insured shall not qualify for:
a) any specific one of such Benefits if the Result is included in any other specific Result for which a greater Benefit is payable.
b) an aggregate total Benefit in excess of the Benefit payable for Result (1).

2) If the Insured qualifies for a Benefit under any of Results (1) to (6) arising out of one Accident the Insurer will not have any further liability in respect of any subsequent accident happening to that Insured.

3) Should the Insured suffer any of the insured injuries prior to being eligible for Benefits under this insurance, such injury or injuries will be taken into consideration when calculating Benefits under this insurance and such Benefits will be reduced accordingly.

4) No benefits will be payable unless Death or loss occurs within 24 months from the date of Injury.

MEDICAL EXPENSES CLAUSE

The Insurer will reimburse the Insured for necessary medical, surgical, nursing and hospital charges incurred at the direction of a licensed medical practitioner including emergency dental treatment to stop sudden pain but excludes normal or ongoing care of teeth or cosmetic surgery to replace crown or dentures, for Injury or Illness suffered by the Insured during the trip outside Brunei and/or whilst the Public Conveyance in which the Insured is travelling on, leaves or takes off from Brunei for the purpose of the trip outside Brunei, during the period of insurance.

Provided always that the liability of the Insurer in respect of any one claim for any one Insured arising from or attributable to the same Accident or Illness shall not exceed BND2,500.

The Insurer shall not be liable for the first BND50 of each and every claim.


SUFFOCATION BY SMOKE, POISONOUS FUMES, GAS AND DROWNING CLAUSE

Any Result sustained by an Insured as a result of suffocation by smoke, poisonous fumes, gas and drowning shall be deemed to be caused by Injury.


MURDER OR ASSAULT CLAUSE

Any Result sustained by the Insured as a consequence of being an innocent victim of a murder or assault shall be deemed to be caused by Injury, provided that the Insurer shall not be liable for any claim for such Injury arising out of or in connection with the Insured’s own participation in any such act.


HIJACKING CLAUSE

Any Result arising out of or in consequence of the action of an unauthorised person or persons taking command of or attempting to take command of an aircraft owned and/or operated by a recognised airline over an established air route including deviation from such route by virtue of the circumstances and including whilst illegally detained.


DISAPPEARANCE AND EXPOSURE


(a) The Insurer shall presume death to have been suffered by the Insured if he is missing for twelve consecutive months, and sufficient evidence is provided that leads the Insurer to the conclusion that death was caused by disappearance, crashing, sinking or wrecking of the Public Conveyance where the insured was travelling as a fare-paying passenger. If at any time after payment of Benefits under this policy for such death the Insured is found to be living, such Benefits shall be refunded to the Insurer.

(b) If an Insured suffers Injury and then, in consequence of that Accident the Insured suffers death or disablement as a result of exposure to the elements, the Insurer will consider such death or disablement as having been caused by an Accident.

OVERALL COMPENSATION LIMIT

The Insurer’s aggregate liability under this Section in respect of all Insured persons shall not exceed the overall compensation limit of BND5,000,000. If the said aggregate amount exceeds this limit, the Insurers’ liability in respect of each Insured will be a rateable proportion of the Benefit due to that Insured.


EXCEPTIONS APPLICABLE TO SECTION 1


1) Injury caused by

a) suicide, self-injury or wilful exposure to peril (other than in an attempt to save human life)
b) pregnancy or childbirth
c) insanity
d) any pre-existing physical or mental defect or infirmity
e) the Insured being under the influence of drugs (other than those prescribed by a licensed medical practitioner but not when prescribed for the treatment of drug addiction)
f) the Insured being under the influence of alcohol, unless it can be established to the Insurer’s reasonable satisfaction by any claimant that alcohol was not a factor contributing to the happening of the Injury
g) disease of any kind including Acquired Immune Deficiency Syndrome (AIDS) and any sickness or disease caused by or resulting from or related to the Human Immuno-Deficiency Virus (HIV).

If the Insurer alleges that by reason of these Exceptions any claim is not covered by this insurance, then the burden of proving that the claim is covered shall be upon the Insured.


SECTION 2 - BAGGAGE

If all or any part of the Insured’s checked-in personal luggage that accompanies the Insured on board his trip in a Public Conveyance is


a) not delivered to the Insured within 48 hours of the Insured’s arrival at the destination point stated in the Insured’s ticket or
b) delivered in a damaged condition,

the Insurer will pay the cost of replacement or repair of the article(s) or arrange for repair.

The maximum amount the Insurer will pay in respect of each Insured for any single article, pair or set of articles is BND500.

Provided always that:-

1) the whole of the fare for the trip on that Public Conveyance was charged to the Cardmembers valid Visa Infinite or Platinum Card issued by the Bank.

2) the whole of the said baggage shall be insured for a total sum no greater than BND2,500 and if at any point the whole of the Insured’s baggage shall collectively be of greater value than the total sum insured then the Insured shall be considered as being his own insurer for the difference.

3) the Insured shall observe ordinary and proper care for the supervision of his baggage including examination when received and in the event of any destruction loss or damage coming to the notice of the Insured he shall take all requisite steps for safeguarding and recovering his property as if he were not insured and shall give immediate notice to:-

a) the police of any loss or theft.
b) the carriers when loss or damage has occurred in transit. And keep all travel tickets and tags as they will be required if a claim is made.

4) The Insured must provide the Insurer with the signed and dated irregularity report or equivalent issued by the operator.

Exceptions Applicable to Section 2

The Insurer shall not be liable for:-


a) damage or deterioration occasioned by moth or vermin or by any process of cleaning repairing or restoring or by atmospheric or climatic conditions or wear and tear or depreciation.

b) breakage of or damage to fragile articles record players tape recorders wireless or television apparatus musical instruments sewing machines china glass sculpture household goods or equipment unless occasioned by fire or accident to the conveyance in which the Insured’s baggage is being carried.

c) loss of or damage to cash bank or currency notes bonds coupons stamps negotiable instruments title deeds manuscripts securities of any kind or travel tickets.

d) loss of or damage to any property more specifically insured.

e) loss or damage arising from delay confiscation detention requisition or destruction by customs or other officials or authorities.

f) the first BND50 of each and every claim.


SECTION 3 - TRAVEL DELAY, MISSED TRAVEL CONNECTION, DELAYED BAGGAGE


3.1 Travel Delay

In the event the Public Conveyance in which the Insured had arranged to travel is delayed while abroad for at least 8 hours from the time specified in the itinerary due to strike or other industrial action, riot, civil commotion, hijack, bad weather or the mechanical breakdown or derangement of that Public Conveyance, the Insurer will pay BND100 for each full 8 hours of delay up to BND1,000.

Provided that:

i) the Insured must check-in in accordance with the original itinerary and obtain written confirmation from the operator of that Public Conveyance or their handling agents stating the reason and length of delay.

ii) the whole of the fare for the trip on that Public Conveyance was charged to the Cardmembers valid Visa Infinite or Platinum Card issued by the Bank.

iii) the Insured obtains a written confirmation from the operator of the Public Conveyance the duration of delay and the reason for it.

iv) this section does not apply if the Insured is in Brunei when the delay occurs.

3.2 Missed Travel Connection

If the Insured missed the scheduled connecting flight due to the early departure of connecting flight prior to the printed schedule departure time or the late in-coming of the connecting leg, the Insurer will cover any reasonable hotel accommodation, meals and other expenses actually incurred provided that the connecting time at intersecting cities are reasonable spaced.

3.3 Delayed Baggage

The Insurer will reimburse the Insured for emergency purchase of essential clothing or toiletries if the Insured’s accompanying check-in flight baggage is not delivered to the Insured within 8 hours of the Insured’s scheduled flight. Any such payment shall be deducted from the amount payable under Section 2 if the baggage proves to be permanently lost.

Provided that:

i) the Insured must provide the Insurer with a signed and dated property irregularity report or equivalent issued by the operator.

ii) this subsection does not apply if the delay occurs in Brunei.

The maximum payable under this section in respect of each Insured in the aggregate is BND1,000


GENERAL EXCEPTIONS
(Applicable to all Sections)

This Policy does not cover loss caused by or resulting from:-


1a) War, invasion, act of foreign enemy, hostilities or war like operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power or

b) Any claim(s) in any way caused or contributed to by an act of terrorism involving the use or release or the threat thereof of any nuclear weapon or device or chemical or biological agent.

For the purpose of this exclusion an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or ethnic purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public, in fear.

If the Insurer alleges that by reason of this exclusion any claim is not covered by this Policy the burden of proving the contrary shall be upon the Insured.

2. Nuclear weapon materials, ionizing materials contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel and the purpose of this exclusion combustion shall include any self-sustaining process of nuclear fission.

3. Any illegal or unlawful act by the Person Covered or confiscation, detention, destruction by customs or other authorities.

4. Shortage due to error, omission, exchange or depreciation in value.

5. Unexplained losses.

6. Wear, tear, depreciation, the process of cleaning, dyeing, repairing or restoring any article, the action of light or atmospheric conditions, moth, insects, vermin or any other gradually operating cause.

7. The Insured’s willful act or with the connivance of the person covered.

8. Electrical or mechanical breakdown.

9. Consequential loss or damage of any kind.

10. Loss of or damage insured under any other Insurance policy or reimbursed by any other party except for any excess beyond the amount payable under such other insurance.

For the avoidance of doubt, this refers to the Medical Expenses benefit, and Loss/Damage of Luggage benefit.

11. Purchases more specifically insured or covered under a product guarantee or defects warranty provided by the manufacturer or supplier from whom the purchase was made.

12. Livestock, consumables, motor vehicles, business property, money and travellers cheques, cash bank or currency notes, bands, coupons, stamps, negotiable instruments, title deeds, manuscripts, securities of any kind or cash cards.


CLAIMS PROCEDURE

When a claim occurs or is likely to occur, the Insured must advise Insurans Islam TAIB Sdn Bhd Tel: Fax: in writing within 30 days after the occurrence or commencement of any loss covered by this policy and the Insured shall at the Insured’s own expense furnish such documentation, information and/or medical examination as the Insurer shall reasonably require. Where medical advice from a duly licensed medical practitioner is provided, the Insured shall procure and follow such medical advice as soon as possible.


(a) In respect of a claim under Section 1 of the Policy

(i) Any Cardmember shall as soon as possible after the happening of any event in respect of which a claim is to be made procure and follow medical advice from a duly registered medical practitioner.
(ii) Any Cardmember as often as required shall submit to medical examination on behalf of the Insurer at its own expense.
(iii) The Insurer shall in the case of the death of any Cardmember be entitled to have a post mortem examination at its own expense.

(b) In respect of all claims, the Insurer will require to have sight of the original of :

i) The Cardmember’s copy of charge form verifying that the trip in question was charged to a valid Visa Infinite and Platinum Card issued by the Bank.
ii) The ticket issued by the operator of the Public Conveyance concerned.
iii) The relevant boarding pass issued.

FRAUD

If any claim under the policy shall be in any respect fraudulent all Benefits under the Master Policy in respect of that Insured shall be forfeited.


NON-ASSIGNMENT AND DISCHARGE

The Insurer will not recognise or be affected by any notice of trust, charge or assignment relating to this policy. The receipt of the Insured, or his legal personal representatives or of any person(s) to whom any benefit is expressed to be payable shall in all cases effectively discharge the Insurer's liability.


CANCELLATION

Standard Chartered Bank, Brunei reserves the right to withdraw or modify this scheme at any time without any notice to the Cardmembers.


PAYMENT OF CLAIM

Payment of admissible claims will be made to the Insured or that Insured’s legal representatives and receipt of the Insured or that Insured’s legal representative shall discharge the Insurer.


EFFECT

This arrangement by Standard Chartered Bank Brunei for the insurance of its Cardmembers is gratuitous and shall not be treated as creating any legally enforceable obligations against the Bank or directly against the Insurer. Further, the Bank shall in no event be under any liability of any kind however arising by reason of anything done or not done by the Bank or any of its servants or agents under or in pursuance of the cover herein set out or the contents hereof, and the Bank does not accept any responsibility or give any warranty whatsoever as to the validity of the Master Policy in connection with the rights of any person thereunder. Upon becoming or claiming to have become insured under the Master Policy, every Cardmember shall be deemed to have accepted the terms of this insurance and the Master Policy and be bound hereby.

The due observance of the provisions of the Master Policy and this insurance that relate to anything to be done or complied with by the Insured shall be conditions precedent to any liability of the insurer to pay under the Master Policy.


Buyer’s Protection Insurance

Standard Chartered Bank, Brunei (‘the Bank’) has arranged insurance coverage for the benefit of Standard Chartered Visa Infinite and Platinum Cardmembers in Brunei (‘Cardmembers’) under the Master Policy issued by Insurans Islam TAIB Sdn Bhd (‘Insurer’), to the Bank, the full terms of which may be inspected on request.


COVERAGE

In the event of any accidental loss or damage to any property or goods purchased by a Cardmember with a valid Standard Chartered Visa Infinite or Platinum Card other than livestock, consumables, perishables, money, motor vehicles and business property (‘Property Insured’), the Insurer shall, subject to the terms and conditions of the Master Policy indemnify the Cardmember up to a maximum sum insured of


(a) BND5,000 for total purchase made in a single receipt; and
(b) BND2,500 for any one item/pair or set

subject to such loss or damage occurring within


(i) 15 days from date of purchase for local purchases; and
(ii) 30 days from date of purchase for overseas purchases

provided that the Cardmember observes ordinary and proper care for the purchases including taking all requisite steps to safeguard and recover the purchases as if the Cardmember was not insured and by giving immediate notice to:


(i) the police of any loss or theft;
(ii) the carriers when loss or damage has occurred in transit; and/or
(iii) the Insurer of the occurrence and later to provide evidence and proof of purchase

SET & PAIR CLAUSE

Where any insured item consists of articles forming part of a pair or set, the Insurer shall not be liable to pay more than the value of any particular part or parts which may be lost or damaged without reference to any special value which such part or parts may have as forming a pair or set, nor exceeding a proportionate part of the sum insured in respect of the pair or set.


EXCLUSIONS

These include

1. Livestock, consumables, motor vehicles, business property, money and travellers cheques, cash bank or currency notes, bands, coupons, stamps, negotiable instruments, title deeds, manuscripts, securities of any kind or cash cards

2. War and kindred risks of any act of terrorism

3. Radioactivity or nuclear risks

4. Theft or any attempted theft

5. Confiscation, detention, destruction by customs or other authorities

6. Shortage due to error, omission, exchange or depreciation in value

7. Unexplained losses

8. Wear and tear or depreciation or gradual deterioration

9. Willful act or willful negligence

10. Electrical or mechanical breakdown

11. Consequential loss or damage of any kind

12. Loss or damage insured under a more specific policy

13. Loss or damage covered by a product guarantee or defects warranty

14. Fragile articles, electronic or musical instruments

15. Exclusion of Rights under The Contracts (Rights of Third Parties) Act


CLAIMS PROCEDURE

Cardmember shall give written notice of a claim to Insurans Islam TAIB, Address: Bangunan Suria, Unit 6 &7, Kiulap BSB, BE1518 Tel: 222 2232/222 3004 Fax: 223 7729 within 30 days after the occurrence or commencement of any loss, or as soon thereafter as is reasonably possible. Cardmember shall provide such particulars and evidence and do all such acts and things as the Insurer shall reasonably require in support of the claim.


CANCELLATION

Standard Chartered Bank, Brunei reserves the right to withdraw of modify this scheme at any time without any notice to the Cardmembers.


EFFECT

This arrangement by Standard Chartered Bank, Brunei for the insurance of its Cardmembers is gratuitous and shall not be treated as creating any legally enforceable obligations against the Bank or directly against the Insurer. Further, the Bank shall in no event be under any liability of any kind however arising by reason of anything done or not done by the Bank, or any of its servants or agents under or in pursuance of the Cover herein set out or the contents hereof, and the Bank does not accept any responsibility or give any warranty whatsoever as to the validity of the Master Policy in connection with the rights of any person thereunder. Upon becoming or claiming to have become insured under the Master Policy, every Cardmember shall be deemed to have accepted the terms of this insurance and the Master Policy and be bound hereby.

The due observance of the provision of the Master Policy and this insurance that relate to anything to be done or complied with by the Insured shall be condition precedent to any liability of the insurer to pay under the Master Policy.

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