Terms & Conditions: Insurance Program
  1. Introduction & Nature of Benefit
    1. This document outlines the terms and conditions ("Terms") governing the complimentary insurance program ("Program") offered by Setlary. Participation is subject to acceptance of these Terms and the underlying insurance policy terms.
    2. Discretionary Benefit: The Program offers an optional, gratuitous insurance benefit provided solely at Setlary's discretion. Setlary reserves the unilateral right to modify, suspend, or terminate the Program, its benefits, or any user's participation at any time without prior notice and without liability.
    3. No Guarantee of Insurance: Setlary's facilitation of this Program does not constitute an offer of insurance and does not guarantee policy issuance, coverage, or successful claim approval. All underwriting, claims, and coverage decisions rest solely with the insurance provider(s), Generali Insurance Malaysia Berhad, Great Eastern Life Assurance (Malaysia) Berhad and/or other insurer appointed by Setlary from time to time ("Insurer").
  2. The Insurance Plan & Key Documents
    1. Plan Underwriter: The insurance plan is underwritten by Generali Insurance Malaysia Berhad, Great Eastern Life Assurance (Malaysia) Berhad and/or other insurer appointed by Setlary from time to time.
    2. Governing Documents: The full terms, including coverage, benefits, exclusions, limitations, and the claims process, are exclusively detailed in the official Product Disclosure Sheet (PDS) and Policy Wording issued by the Insurer.
    3. User Responsibility: It is the user's sole responsibility to read, understand, and agree to the PDS and Policy Wording before enrollment. User shall also refer to varieties of plan(s) detail as attached herein. Setlary is not responsible for the content of these documents or for any coverage disputes.
  3. Eligibility & Methods of Entry
    1. To qualify, a user must be a Malaysian citizen, be at least 21 years of age and must meet all requirements of one of the following entry methods.
    2. Method A: New User Redemption Available to new users upon first successful login to the Setlary App. Redemption Period: Must be redeemed within seven (7) calendar days of first login. Requests after this period are void and cannot be reinstated.
    3. Method B: Subscription Entitlement Available to active users whose employer maintains a valid, paid Setlary subscription during the enrollment month.
    4. User is fully responsible in choosing or deciding if he/she wants to subscribe to the complimentary insurance program offered. In cases where User chooses to subscribe this Program, it is the User's prerogative and choice to do so and Setlary shall not be held responsible at any time for any reason whatsoever for such a choice made by the User.
  4. Common Program Requirements (All Methods)
    1. Group Activation Requirement: The insurance policy will only be issued once a minimum of ten (10) eligible employees from the same company have successfully enrolled. Individual enrollments submitted before this threshold is met will be held in a "Pending" status. The policy effective date will be set only after the 10th eligible enrollment. Setlary reserves the right to postpone or cancel enrollments if this requirement is not fulfilled.
    2. Annual Limit: Each eligible user is strictly limited to one (1) insurance product under this Program per calendar year, regardless of entry method or eligibility changes.
    3. Insurer's Final Approval: All enrollments are subject to final verification, underwriting, and approval by the Insurer. Setlary does not control or influence this process.
    4. Non-Transferability: This benefit is strictly personal, non-transferable, non-exchangeable, and has no cash value.
  5. Enrollment, Delivery & Policy Term
    1. Policy Delivery & Activation: The insurance policy will be delivered and activated only after Setlary and the Insurer have jointly verified and confirmed (a) individual eligibility, and (b) fulfillment of the Group Activation Requirement.
    2. Policy Term: Upon successful issuance, the insurance policy is valid for a fixed term of one (1) year from the effective date. For Method B, this term is fixed and continues regardless of any subsequent change in the employer's subscription status with Setlary.
    3. Testimonial Requirement: As a condition for participation or renewal, Setlary may require selected companies or users to provide a testimonial. Failure to provide a testimonial upon request may result in disqualification from the Program or future benefits.
  6. Data Privacy & Communication
    1. By participating, you explicitly consent to Setlary collecting, using, and disclosing your personal data to the Insurer and its administrators for the purposes of managing your enrollment, administering the Program, and as described in Setlary's Privacy Policy. You consent to receive all policy-related communications electronically.
  7. User Responsibilities & Liabilities
    1. Tax Liability: You are solely responsible for any personal tax liabilities or government charges arising from your receipt or use of this insurance benefit.
    2. Claims & Inquiries: All inquiries regarding policy details, coverage, and all claims-related matters must be directed exclusively to the Insurer via its official customer service channels. Setlary is not an insurance agent or broker and cannot provide advice or manage claims.
    3. Compliance: Participation is contingent upon compliance with Setlary's general Terms of Use and subscription policies. Setlary may deny or withdraw this benefit from any user or company failing to meet operational, payment, or verification requirements.
  8. Post-Employment & Policy Continuity
    1. Once the insurance policy has been successfully issued to an employee, Setlary's complimentary benefit is considered fulfilled. If the employee leaves the company, the policy remains with the employee until its natural expiry date. Setlary has no obligation to renew the policy, provide a substitute benefit, or offer any compensation due to the employee's separation.
  9. Other Benefit - Jimat Essential
    1. Jimat Essential is another benefit provided by Setlary together with the Insurance Program which shall also subject to the requirement(s) and term(s) & condition(s) mentioned herein. Kindly refer to the varieties of plan(s) detail as attached herein.
  10. Limitation of Liability & General Terms
    1. Setlary's Liability: To the fullest extent permitted by law, Setlary, its affiliates, and partners shall not be liable for any loss, damage, injury, or claim whatsoever arising from or in connection with: (i) your participation in this Program; (ii) the insurance product, including denial of claims or coverage; (iii) any errors in enrollment information; or (iv) any actions or omissions of the Insurer. Setlary shall not be liable for any misinterpretation or misrepresentation of facts by any unauthorised third party in respect of the Program offered and published in any media, marketing or advertising materials.
    2. Modification & Termination: Setlary reserves the right to cancel, withdraw, suspend, extend or terminate the Program prior to the expiry of the Program period, wholly or in part, at any time, without prior notice. For the avoidance of doubt, cancellation, withdrawal, suspension, extension or termination by Setlary of the Program shall not entitle the User to any claim or compensation against Setlary for any and all losses or damages suffered or incurred by the User whether as a direct or indirect result of such cancellation, withdrawal, suspension, extension or termination, unless due to Setlary's gross negligence or wilful misconduct specifically related to this Program.
    3. Setlary reserves the right to add, amend, delete, suspend or vary the Terms and Conditions of this Program, from time to time, wholly or in part, by providing prior notice to the User via the platform, official website, email or any other manner as determined by Setlary from time to time. If the User does not agree with the variations, they must within seven (7) days from the date of Setlary notification write to us indicating their preference, failing which the User will be deemed to have accepted and bound by such variations.
    4. Continued participation after amendments or variations constitutes acceptance of the new Terms.
    5. Fraud & Abuse: Any suspected fraudulent activity, misrepresentation, or abuse of these Terms will result in immediate disqualification, termination and/or may lead to legal action.
    6. Governing Law & Severability: These Terms shall be governed by and construed with the laws of Malaysia and the User agrees to submit to the exclusive jurisdiction of the courts of Malaysia. If any provision is found invalid, the remaining provisions shall remain in full force and effect.
    7. Language: This Agreement is executed in the English language. In the event of any discrepancy or conflict between the English version and any translation thereof, the English version shall prevail for all purposes.
For any inquiries related to this insurance program, please contact [email protected].