{"id":7879,"date":"2026-01-04T14:03:31","date_gmt":"2026-01-04T06:03:31","guid":{"rendered":"https:\/\/louisthai.com\/?p=7879"},"modified":"2026-01-04T19:34:32","modified_gmt":"2026-01-04T11:34:32","slug":"louis-thai-announces-2026-insurance-partner-program-and-client-e-credit-promotion","status":"publish","type":"post","link":"https:\/\/louisthai.com\/hk\/louis-thai-announces-2026-insurance-partner-program-and-client-e-credit-promotion\/","title":{"rendered":"LOUIS THAI Announces 2026 Insurance Partner Program and Client e-Credit Promotion"},"content":{"rendered":"<h2 class=\"wp-block-heading\"><strong>Insurance Partner Program Announcement<\/strong><\/h2>\n\n\n\n<p>LOUIS THAI International Group hereby announces the launch of its 2026 Insurance Partner Program, accompanied by a limited promotional e-Credit incentive applicable to eligible clients.<\/p>\n\n\n\n<p>This announcement is made in the interest of transparency and public disclosure.<\/p>\n\n\n\n<p>This page contains advertisements and promotional content.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>About the Insurance Partner Program<\/strong><\/h2>\n\n\n\n<p>The LOUIS THAI Insurance Partner Program is designed to collaborate with approved insurance partners in facilitating structured insurance advisory and policy renewal processes for clients.<\/p>\n\n\n\n<p>Under this program, eligible clients who successfully renew an existing insurance policy or purchase a qualifying insurance plan through a recognised LOUIS THAI Insurance Partner platform may be entitled to receive a promotional e-Credit incentive, subject to applicable terms and conditions.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>2026 e-Credit Promotion Overview<\/strong><\/h2>\n\n\n\n<p>The current promotional arrangement includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A promotional e-Credit incentive of up to 50%<\/li>\n\n\n\n<li>Applicable to a subsequent purchase with LOUIS THAI or its subsidiaries<\/li>\n\n\n\n<li>Limited to two (2) redemptions per client per calendar year<\/li>\n\n\n\n<li>Subject to eligibility, verification, and internal approval<\/li>\n<\/ul>\n\n\n\n<p>This promotion does not constitute a rebate, cash payout, or guaranteed financial return.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>Eligibility &amp; Conditions<\/strong><\/h2>\n\n\n\n<p>Eligibility for the promotional e-Credit incentive is subject to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Successful renewal of an existing insurance policy or<\/li>\n\n\n\n<li>Purchase of a qualifying insurance plan through a LOUIS THAI Insurance Partner<\/li>\n\n\n\n<li>Compliance with internal rules, verification procedures, and applicable regulations<\/li>\n<\/ul>\n\n\n\n<p>LOUIS THAI reserves the right to amend, suspend, or withdraw the promotion without prior notice, in accordance with its Rules &amp; Regulations (R&amp;R).<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>Advisory &amp; Consultation<\/strong><\/h2>\n\n\n\n<p>All insurance-related consultations remain advisory in nature.<\/p>\n\n\n\n<p>Clients are encouraged to review policy terms carefully and make informed decisions.<\/p>\n\n\n\n<p>Consultation services are available by booking only, subject to availability.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>Important Disclosure<\/strong><\/h2>\n\n\n\n<p>This announcement is published for informational and promotional purposes only.<\/p>\n\n\n\n<p>It does not constitute financial advice, investment advice, or an inducement to purchase any insurance product.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>About LOUIS THAI<\/strong><\/h2>\n\n\n\n<p>LOUIS THAI International Group delivers specialist insurance consultancy and financial advisory services through structured partner programs, governed by internal service standards, ethical principles, and hospitality-driven client service frameworks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><\/h2>\n\n\n\n<h2 class=\"wp-block-heading\"><br><br><strong>Memorandum of Memorandum of Discount and Rebate Mechanism<\/strong><strong><\/strong><\/h2>\n\n\n\n<h2 class=\"wp-block-heading\"><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a><strong>Insurance Partner Rebate \u2014 50% e-Cash Credit (How It Works)<\/strong><\/h3>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a><strong>Eligibility<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Purchase i-Premium 2Y (RM350) to activate eligibility.<\/li>\n\n\n\n<li>Sign a policy with our Insurance Partner and complete verification.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a><strong>Benefit<\/strong><\/h3>\n\n\n\n<p>Once verified, you will receive a 50% Rebate e-Cash Credit that can be used to offset your purchases at LOUIS THAI.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a><strong>Example (Invoice Breakdown)<\/strong><\/h3>\n\n\n\n<p>Item: Witthi 9 Chan<br>Original Price: RM 1,800.00<br>Less: 50% Rebate e-Cash Credit: (RM 900.00)<br>Net Payable (Cash\/Bank Payment): RM 900.00<\/p>\n\n\n\n<p><strong>Meaning: You receive RM900 e-Cash Credit, and you only need to pay the remaining RM900.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a><strong>Redemption Limit<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Each customer may redeem the 50% e-Cash Credit promotion up to 2 times per calendar year.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a><strong>Notes (recommended to include)<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>e-Cash Credit is not exchangeable for cash and is non-transferable.<\/li>\n\n\n\n<li>e-Cash Credit may be used to offset up to 50% of the bill amount per redemption (unless stated otherwise).<\/li>\n\n\n\n<li>LOUIS THAI reserves the right to approve, verify, and reject any claim if requirements are not met.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>3) Internal Accounting Journal Entries (Simplified &amp; Most Common)<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">(1) Customer purchases i-Premium 2Y for RM350 (cash received)<\/h3>\n\n\n\n<div style=\"  max-width:800px;  margin:24px auto;  padding:0 16px;\">\n<pre style=\"  background:#f2f2f2;  color:#2b2b2b;  padding:12px 16px;  border-radius:8px;  font-family:'Courier New', monospace;  font-size:14px;  line-height:1.2;  overflow-x:auto;  border:1px solid #ddd;\">\n<span style=\"color:#6f42c1;\">02 Jan 2025<\/span> <span style=\"color:#6c757d;\">\/* Cash Received Date *\/<\/span>\n<span style=\"color:#FF4000;\">Dr. Cash\/Bank RM 350.00<\/span> <span style=\"color:#6c757d;\">\/* Dr. *\/<\/span>\n<span style=\"color:#FF4000;\">    Cr. Sales \u2014 i-Premium 2Y RM 350.00<\/span> <span style=\"color:#6c757d;\">\/* Cr. *\/<\/span>\n<\/pre>\n<\/div>\n\n\n\n\n<h3 class=\"wp-block-heading\">(2) Customer qualifies; e-Cash RM900 is granted (recorded as a redeemable credit liability)<\/h3>\n\n\n\n<div style=\"  max-width:800px;  margin:24px auto;  padding:0 16px;\">\n<pre style=\"  background:#f2f2f2;  color:#2b2b2b;  padding:12px 16px;  border-radius:8px;  font-family:'Courier New', monospace;  font-size:14px;  line-height:1.2;  overflow-x:auto;  border:1px solid #ddd;\">\n<span style=\"color:#6f42c1;\">05 Jan 2025<\/span> <span style=\"color:#6c757d;\">\/* Approval Date *\/<\/span>\n<span style=\"color:#FF4000;\">Dr. Marketing Expense \u2014 e-Cash Promotion RM 900.00<\/span> <span style=\"color:#6c757d;\">\/* Dr. *\/<\/span>\n<span style=\"color:#FF4000;\">    Cr. e-Cash Credit Liability (Customer Wallet) RM 900.00<\/span> <span style=\"color:#6c757d;\">\/* Cr. *\/<\/span>\n<\/pre>\n<\/div>\n\n\n\n\n<h3 class=\"wp-block-heading\">(3) Customer purchases Witthi 9 Chan for RM1,800; uses RM900 e-Cash credit and pays RM900 cash<\/h3>\n\n\n\n<div style=\"  max-width:800px;  margin:24px auto;  padding:0 16px;\">\n<pre style=\"  background:#f2f2f2;  color:#2b2b2b;  padding:12px 16px;  border-radius:8px;  font-family:'Courier New', monospace;  font-size:14px;  line-height:1.2;  overflow-x:auto;  border:1px solid #ddd;\">\n<span style=\"color:#6f42c1;\">06 Jan 2025<\/span> <span style=\"color:#6c757d;\">\/* Redeem Date *\/<\/span>\n<span style=\"color:#FF4000;\">Dr. Cash\/Bank RM 900.00<\/span> <span style=\"color:#6c757d;\">\/* Dr. *\/<\/span>\n<span style=\"color:#FF4000;\">Dr. e-Cash Credit Liability RM 900.00<\/span> <span style=\"color:#6c757d;\">\/* Dr. *\/<\/span>\n<span style=\"color:#FF4000;\">    Cr. Sales \u2014 Witthi 9 Chan RM 1,800.00<\/span> <span style=\"color:#6c757d;\">\/* Cr. *\/<\/span>\n<\/pre>\n<\/div>\n\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>Insurance Partner Programme Terms and Conditions<\/strong><\/h2>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>2026 LOUIS THAI \u2014 Special e-Cash (e-Cash Credit Rebate)<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a><strong>INSURANCE PARTNER PROGRAMME TERMS AND CONDITIONS (\u201ce-Cash Credit Rebate T&amp;Cs\u201d)<\/strong><\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Programme Name<\/strong><\/td><td>2026 LOUIS THAI Special e-Cash for you (Insurance Partner e-Cash Credit Rebate)<\/td><\/tr><tr><td><strong>Issued By<\/strong><\/td><td>LOUIS THAI International Group (Malaysia) Sdn Bhd (\u201cCompany\u201d \/ \u201cUs\u201d \/ \u201cWe\u201d \/ \u201cOur\u201d)<\/td><\/tr><tr><td><strong>Insurance Partner Representative (optional display)<\/strong><\/td><td>Henry Heng Kai Lun (Certified Agent Code: 6837341)<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\"><a><\/a><strong>PART I<\/strong><\/h1>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>1. Programme Period &amp; Acceptance<\/strong><\/h2>\n\n\n\n<ol start=\"1\" style=\"list-style-type:lower-alpha\" class=\"wp-block-list\">\n<li>This <strong>2026 LOUIS THAI Special e-Cash for you<\/strong> programme (the \u201cProgramme\u201d) is valid from <strong>01 January 2026 to 31 December 2026<\/strong>, both dates inclusive (\u201cProgramme Period\u201d), unless otherwise stated in a written confirmation issued by the Company.<\/li>\n\n\n\n<li>By participating in this Programme, you agree to be bound by these <strong>e-Cash Rebate T&amp;Cs<\/strong>.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a><strong>1.1 Eligibility<\/strong><\/h3>\n\n\n\n<p>This Programme is only open to customers (\u201cCustomer\u201d \/ \u201cYou\u201d) who:<\/p>\n\n\n\n<p>a. are <strong>at least eighteen (18) years old<\/strong> on the date shown on your Identity Card \/ Driving Licence \/ relevant government-issued document;<\/p>\n\n\n\n<p>b. are <strong>Malaysian citizens<\/strong> (unless the Company states otherwise in writing); and<\/p>\n\n\n\n<p>c. during the Programme Period, have completed a <strong>Successful Insurance Transaction<\/strong> (defined below) through the platform \/ arrangement of <strong>LOUIS THAI Insurance Partner<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>2. Personal Data &amp; Consent<\/strong><\/h2>\n\n\n\n<p>Prior to applying \/ claiming this Programme, you must:<\/p>\n\n\n\n<p>2.1 consent to us collecting, using, and (where necessary) disclosing your personal information (including but not limited to <strong>name, birth date, NRIC\/passport number, contact number, and insurance policy details<\/strong>) for the purpose of verifying eligibility, processing rewards, audit, and customer support;<\/p>\n\n\n\n<p>2.2 ensure any personal data you provide to us is accurate, complete, and you have the right and consent to provide it;<\/p>\n\n\n\n<p>2.3 inform and obtain your consent for our representative, manager, Customer Service Officer (CSO) or Person-In-Charge (PIC) to contact you via <strong>WhatsApp application \/ messenger application \/ phone call \/ email<\/strong> for follow-up; and<\/p>\n\n\n\n<p>2.4 agree that the processing is made in compliance with the <strong>Personal Data Protection Act 2010 (PDPA)<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>3. Successful Insurance Transaction &amp; Reward Entitlement<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a><strong>3.1 Successful Insurance Transaction<\/strong><\/h3>\n\n\n\n<p>A promotion claim will be considered <strong>successful<\/strong> when all conditions below are fulfilled:<\/p>\n\n\n\n<p>3.1.1 the renewal \/ purchase is made during the Programme Period; and<\/p>\n\n\n\n<p>3.1.2 the insurance application is <strong>successfully issued \/ renewed and confirmed<\/strong> by the relevant insurer (including completion of underwriting, if applicable); and<\/p>\n\n\n\n<p>3.1.3 the <strong>required premium \/ first payment<\/strong> has been successfully paid and not reversed \/ disputed; and<\/p>\n\n\n\n<p>3.1.4 the policy is <strong>not cancelled<\/strong> during any free-look \/ cooling-off period (if applicable) or within <strong>thirty (30) days<\/strong>from the policy issuance date (unless the Company decides otherwise in writing); and<\/p>\n\n\n\n<p>3.1.5 it is made in compliance with these e-Cash Rebate T&amp;Cs and applicable laws.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a><strong>3.2 Important Insurance Disclaimer<\/strong><\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>The Company \/ LOUIS THAI Insurance Partner provides marketing, referral, and\/or facilitation services only.<\/li>\n\n\n\n<li>Final acceptance, underwriting decisions, and issuance of any insurance policy are <strong>solely determined by the insurer<\/strong>.<\/li>\n\n\n\n<li>The Company does <strong>not<\/strong> guarantee that any customer will be accepted by the insurer.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a><strong>3.3 e-Credit Cash Rebate (Special e-Cash)<\/strong><\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Each eligible Customer who has made a Successful Insurance Transaction will receive <strong>one (1) e-Credit Cash Rebate<\/strong> (\u201ce-Credit\u201d) for that transaction, subject to the caps and rules below.<\/li>\n\n\n\n<li>The e-Credit is applicable to your <strong>second purchase<\/strong> with <strong>LOUIS THAI and its subsidiaries<\/strong>, subject to eligibility of products\/services and any exclusions determined by the Company.<\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a><strong>3.3.1 Rebate Percentage &amp; Basis (Fixed at 50%)<\/strong><\/h4>\n\n\n\n<p>a. The rebate percentage is <strong>fifty percent (50%)<\/strong> of the <strong>Eligible Premium Amount<\/strong> (as defined below) (\u201cRebate Percentage\u201d).<\/p>\n\n\n\n<p>b. \u201cEligible Premium Amount\u201d means the premium amount actually paid and successfully posted\/confirmed by the insurer for the Successful Insurance Transaction, excluding any taxes\/fees\/charges unless stated otherwise.<\/p>\n\n\n\n<p>c. If any advertisement artwork, social media post, or verbal statement differs from the Company\u2019s written confirmation, the <strong>Company\u2019s written confirmation<\/strong> shall prevail.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a><strong>3.3.2 Redemption Limit<\/strong><\/h4>\n\n\n\n<p>The e-Credit reward may be granted and redeemed for a maximum of <strong>two (2) times per client in a calendar year<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a><strong>3.3.3 Reward Issuance Timeline<\/strong><\/h4>\n\n\n\n<p>The e-Credit will be issued on a date falling on or about <strong>thirty (30) working days<\/strong> after the Successful Insurance Transaction is confirmed, unless otherwise stated.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a><strong>3.3.4 Validity Period<\/strong><\/h4>\n\n\n\n<p>The e-Credit validity period is <strong>twelve (12) months<\/strong> from the date it is issued\/credited, unless otherwise stated in writing. Expired e-Credit will be void.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>4. Not Entitled \/ Disqualification<\/strong><\/h2>\n\n\n\n<p>A Customer is not entitled to this Programme if the Customer:<\/p>\n\n\n\n<p>4.1 is blacklisted from the LOUIS THAI customer list, banned partnership list, or has terminated the relationship with the Company before \/ during the Programme Period; or<\/p>\n\n\n\n<p>4.2 has acted fraudulently or dishonestly, conducted in bad faith, or otherwise in an inappropriate manner to gain unfair advantage; or<\/p>\n\n\n\n<p>4.3 upon the occurrence of any event giving rise to a right for the Company to suspend or terminate any (or all) agreement for service, as set out in the Company\u2019s standard customer terms.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>5. Nature of e-Credit<\/strong><\/h2>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>The e-Credit is <strong>non-transferable<\/strong>, non-replaceable, and non-exchangeable for cash.<\/li>\n\n\n\n<li>The e-Credit cannot be credited to any bank account or third-party account, and cannot be converted into \u201ccash rebate\u201d outside the Company\u2019s system.<\/li>\n\n\n\n<li>Unless expressly permitted by the Company in writing, e-Credit cannot be combined with other promotions\/discounts.<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>6. No Automatic Right \/ No Guarantee<\/strong><\/h2>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>The Company may request additional documents for verification (e.g., payment proof, policy schedule, receipt).<\/li>\n\n\n\n<li>If verification fails or information is inaccurate\/incomplete, the Company may withhold, cancel, or reverse the e-Credit.<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>7. Redemption Rules<\/strong><\/h2>\n\n\n\n<p>7.1 Redemption must be made by booking\/arrangement with the PIC and subject to availability of eligible products\/services.<\/p>\n\n\n\n<p>7.2 e-Credit must be redeemed within its validity period; once redeemed, it becomes invalid.<\/p>\n\n\n\n<p>7.3 The Company may impose product\/service exclusions, minimum booking requirements, or operational rules from time to time.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>8. Cancellation, Refund, Chargeback &amp; Clawback<\/strong><\/h2>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>If the Successful Insurance Transaction is later cancelled, reversed, refunded, disputed, charged back, or found to be ineligible, the Company reserves the right to <strong>cancel and\/or claw back<\/strong> the e-Credit (including offsetting against future entitlements).<\/li>\n\n\n\n<li>If the e-Credit has been redeemed prior to clawback, the Company may require repayment or deduct equivalent value from subsequent benefits.<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>9. Liability<\/strong><\/h2>\n\n\n\n<p>To the extent permitted by law, the Company shall not be liable for any losses, damages, costs, or expenses arising from improper\/unauthorised use of e-Credit, wrongful redemption, or misunderstanding in relation to eligibility, except where caused by the Company\u2019s fraud, wilful default, or gross negligence.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>10. No Correspondence<\/strong><\/h2>\n\n\n\n<p>The Company\u2019s determination of all matters relating to this Programme shall be final and conclusive and no correspondence will be entertained.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>11. Company\u2019s Rights<\/strong><\/h2>\n\n\n\n<p>The Company reserves the right to do any of the following at any time without prior notice:<\/p>\n\n\n\n<p>11.1 make any changes to the Programme and\/or replace the rebate percentage with another reward of equivalent or similar value; or<\/p>\n\n\n\n<p>11.2 vary, modify, add, delete or otherwise revise any of these e-Cash Rebate T&amp;Cs, including terminating or withdrawing the Programme, or extend\/shorten the Programme Period at the Company\u2019s sole discretion, with or without prior notice.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>12. Inconsistency<\/strong><\/h2>\n\n\n\n<p>In the event of any inconsistency between these e-Cash Rebate T&amp;Cs and any brochures, marketing, or promotional materials relating to the Programme, these e-Cash Rebate T&amp;Cs shall prevail to the extent of such inconsistency.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>13. Standard Terms<\/strong><\/h2>\n\n\n\n<p>These e-Cash Rebate T&amp;Cs are to be read together with the Company\u2019s standard Customer Terms and Conditions and any policy applicable to the relevant product\/service (collectively, \u201cStandard Terms\u201d). If there is any inconsistency, these e-Cash Rebate T&amp;Cs shall prevail to the extent of such inconsistency.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>14. Third Party Rights<\/strong><\/h2>\n\n\n\n<p>A guest, person, partnership, or any entity who is not a party to these e-Cash Rebate T&amp;Cs has no right under the <strong>Contracts (Rights of Third Parties) Act 1999<\/strong> to enforce any of these terms.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>15. Governing Law<\/strong><\/h2>\n\n\n\n<p>These e-Cash Rebate T&amp;Cs are governed by and shall be construed in accordance with the laws of <strong>Malaysia<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>16. Accuracy Statement<\/strong><\/h2>\n\n\n\n<p>All information is correct at the time of writing. <strong>Latest Alter Date: 01 January 2026.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\"><a><\/a><strong>PART II&nbsp;&nbsp;<\/strong><\/h1>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>1. Project Overview&nbsp;&nbsp;<\/strong><\/h2>\n\n\n\n<p>The scope of work entails the insurance advisory and facilitation arrangement on behalf to ensure the process is completed ethically and professionally. This Programme is related to customer\u2019s insurance policy review, renewal and\/or purchase arrangement through LOUIS THAI Insurance Partner, and the reward entitlement of <strong>Special e-Cash (e-Credit Cash Rebate)<\/strong> as stated in Part I.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>2. Key Deliverables&nbsp;&nbsp;<\/strong><\/h2>\n\n\n\n<p>2.1. Initial review of the customer\u2019s needs and existing coverage (if any), to identify key potential issues and gaps in the first stage of service (insurance consultation).<\/p>\n\n\n\n<p>2.2. Provide basic comparison \/ explanation of suitable plan(s) and\/or renewal option(s) based on information given by customer, and highlight each issue from customer to person-in-charge of insurance submission (agent \/ partner).<\/p>\n\n\n\n<p>2.3. Follow up consultation to discuss the progress of application \/ renewal and address any questions or concerns you may have (subject to insurer processing timeline).<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>3. Scop of Review&nbsp;&nbsp;<\/strong><\/h2>\n\n\n\n<p>3.1. Identification of parties involved (customer, insurer, agent\/partner) and their objective.<\/p>\n\n\n\n<p>3.2. Examination of the customer\u2019s aim (renew \/ purchase \/ improve coverage \/ cost optimisation).<\/p>\n\n\n\n<p>3.3. Review of key factor affecting customer\u2019s insurance decision such as budget, protection needs, exclusions, underwriting requirement (if any), and policy effective date.<\/p>\n\n\n\n<p>3.4. Analysis and resolution proposal based on the previous consult (if any).<\/p>\n\n\n\n<p>3.5. Evaluation of the type of plan applied potential and expected outcome (subject to insurer final approval).<\/p>\n\n\n\n<p>3.6. Recommendations for enhancing the process efficiency, documentation readiness and your personal safety (avoid scams \/ only deal via official channels).<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>4. Processes and Timeline&nbsp;&nbsp;<\/strong><\/h2>\n\n\n\n<p>4.1. The insurance consultation \/ arrangement will be conducted as customer request within the Programme Period stated in Part I, unless otherwise agreed in writing.<\/p>\n\n\n\n<p>4.2. Following is the work phase\u2019s schedule;<\/p>\n\n\n\n<p>4.2.1. Phase 1 \u2014 Consultation &amp; data collection (basic needs, existing policy, budget).<\/p>\n\n\n\n<p>4.2.2. Phase 2 \u2014 Plan proposal \/ renewal option &amp; confirmation.<\/p>\n\n\n\n<p>4.2.3. Phase 3 \u2014 Submission to insurer &amp; follow-up (underwriting\/issuance\/renewal confirmation).<\/p>\n\n\n\n<p>4.3. Work done timeline depends on insurer\u2019s processing; LOUIS THAI \/ Insurance Partner will follow up within reasonable time.<\/p>\n\n\n\n<p>4.4. Ultimately the work done, in certain case of deferment by insurer or missing document, submission will be updated to you in next working hours.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>5. Offering Price and The Products and The Services&nbsp;&nbsp;<\/strong><\/h2>\n\n\n\n<p>5.1. Insurance premium is payable to the insurer and subject to insurer\u2019s official confirmation.<\/p>\n\n\n\n<p>5.2. Unless stated otherwise in writing, <strong>no additional \u201cprogramme fee\u201d<\/strong> is charged by the Company for the e-Cash reward programme itself.<\/p>\n\n\n\n<p>5.3. Any separate LOUIS THAI products\/services purchased (for redemption of e-Credit as \u201csecond purchase\u201d) are subject to the Company\u2019s official invoice and applicable product\/service terms.<\/p>\n\n\n\n<p>5.4. The <strong>Special e-Cash (e-Credit)<\/strong> reward amount is calculated and capped under Part I, with <strong>Rebate Percentage fixed at 50%<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>6. The Terms &amp; Condition&nbsp;&nbsp;<\/strong><\/h2>\n\n\n\n<p>6.1. The above service arrangement is per customer basis and subject to verification\/eligibility requirements under Part I.<\/p>\n\n\n\n<p>6.2. The Company reserves the right to modify programme mechanics, redemption exclusions, timeline, or introduce new requirements with notice, for any reason, at its sole direction (subject to Part I \u201cCompany\u2019s Rights\u201d).<\/p>\n\n\n\n<p>6.3. Customer must provide accurate and complete information; the Company shall not be responsible for delays in reward fulfilment due to inaccurate\/incomplete\/unavailable information provided by customer.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>7. The Call to Action&nbsp;&nbsp;<\/strong><\/h2>\n\n\n\n<p>If you have any further details to meet your requirement, or clarification, you should inform us immediately through our official contact \/ Person In-charge (PIC). Once again, thank you for choosing <strong>LOUIS THAI Insurance Partner Programme<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>","protected":false},"excerpt":{"rendered":"<p>Insurance Partner Program Announcement LOUIS THAI International Group hereby announces the launch of its 2026 Insurance Partner Program, accompanied by a limited promotional e-Credit incentive applicable to eligible clients. This announcement is made in the interest of transparency and public disclosure. This page contains advertisements and promotional content. About the Insurance Partner Program The LOUIS [&hellip;]<\/p>","protected":false},"author":3,"featured_media":7881,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","_joinchat":[],"ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"on","ocean_gallery_id":[],"footnotes":""},"categories":[44],"tags":[],"class_list":["post-7879","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-newsroom","entry","has-media"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/louisthai.com\/hk\/wp-json\/wp\/v2\/posts\/7879","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/louisthai.com\/hk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/louisthai.com\/hk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/louisthai.com\/hk\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/louisthai.com\/hk\/wp-json\/wp\/v2\/comments?post=7879"}],"version-history":[{"count":5,"href":"https:\/\/louisthai.com\/hk\/wp-json\/wp\/v2\/posts\/7879\/revisions"}],"predecessor-version":[{"id":7930,"href":"https:\/\/louisthai.com\/hk\/wp-json\/wp\/v2\/posts\/7879\/revisions\/7930"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/louisthai.com\/hk\/wp-json\/wp\/v2\/media\/7881"}],"wp:attachment":[{"href":"https:\/\/louisthai.com\/hk\/wp-json\/wp\/v2\/media?parent=7879"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/louisthai.com\/hk\/wp-json\/wp\/v2\/categories?post=7879"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/louisthai.com\/hk\/wp-json\/wp\/v2\/tags?post=7879"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}