{"id":5605,"date":"2025-03-27T04:45:52","date_gmt":"2025-03-27T04:45:52","guid":{"rendered":"https:\/\/fmos.org.my\/?p=5605"},"modified":"2026-04-29T15:37:07","modified_gmt":"2026-04-29T07:37:07","slug":"travel-insurance-trip-cancellation-due-to-self-quarantine","status":"publish","type":"post","link":"https:\/\/www.fmos.org.my\/bm\/travel-insurance-trip-cancellation-due-to-self-quarantine\/","title":{"rendered":"Insurans Perjalanan \u2013 Pembatalan Perjalanan kerana Kuarantin Sendiri"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Manjit dan isterinya dijadualkan untuk melancong ke luar negara. Malangnya, Manjit telah disahkan menghidap penyakit berjangkit yang sangat mudah merebak. Memandangkan penyakit itu berjangkit dan isterinya merupakan kontak rapat, doktor yang merawat telah menasihati kedua-duanya untuk menjalani kuarantin kendiri.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Akibatnya, mereka terpaksa membatalkan perjalanan tersebut dan telah mengemukakan  tuntutan kepada syarikat insurans mereka. Namun, tuntutan mereka telah ditolak atas alasan bahawa perlindungan di bawah faedah Pembatalan Perjalanan hanya terpakai sekiranya pembatalan berpunca secara langsung dan perlu daripada \u2018Punca Tertentu\u2019 (Specified Cause), dan kuarantin kendiri berkaitan penyakit berjangkit tidak diliputi di bawah polisi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>PENEMUAN<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Berdasarkan semakan terhadap perkataan dalam polisi, kami mendapati bahawa istilah \u2018Kuarantin Wajib\u2019 tidak ditakrifkan secara khusus dalam polisi. Menurut takrif kamus, kuarantin adalah konsep yang dibangunkan oleh masyarakat untuk melindungi diri daripada penularan penyakit berjangkit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dalam kes ini, pihak pengadu jelas mematuhi nasihat doktor yang merawat untuk menjalani \u2018kuarantin kendiri\u2019.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KEPUTUSAN<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Memandangkan tiada takrif yang jelas bagi istilah \u2018Kuarantin Wajib\u2019 dalam polisi, Pengurus kes ini telah menggunakan kaedah tafsiran kontrak contra proferentem dan mengeluarkan syor yang memihak kepada Manjit. Contra proferentem ialah prinsip tafsiran kontrak yang menyatakan bahawa sebarang kekaburan dalam kontrak harus ditafsirkan terhadap pihak yang menggubal kontrak tersebut.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Syarikat insurans menerima syor kami dan membayar sepenuhnya tuntutan bagi kos pembatalan perjalanan.<strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Manjit and his wife were scheduled to travel overseas when, unfortunately, he was diagnosed with a highly contagious communicable disease. Since it was an infectious disease, and his wife was in close contact, the treating doctor had advised both to self-quarantine. As a result, they had to cancel their trip, and a claim was made [&hellip;]<\/p>","protected":false},"author":1,"featured_media":5410,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[25,27],"tags":[],"class_list":["post-5605","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-case-studies","category-insurance-takaful"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Travel Insurance \u2013 Trip Cancellation due to Self-Quarantine - FMOS<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fmos.org.my\/bm\/travel-insurance-trip-cancellation-due-to-self-quarantine\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Travel Insurance \u2013 Trip Cancellation due to Self-Quarantine - FMOS\" \/>\n<meta property=\"og:description\" content=\"Manjit and his wife were scheduled to travel overseas when, unfortunately, he was diagnosed with a highly contagious communicable disease. 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