Summary of Domestic Compehensive Benefits

For travellers, travelling to destinations within Malaysia, three levels of travel insurance are available. All three plans are available to residents of Malaysia travelling within Malaysia and include cover for travel accidents, medical expenses and repatriations (due to an accident), as well as travel inconveniences.

Cover for cancellation applies from the moment of policy issuance, while the rest of the benefits become effective immediately upon leaving your home in Malaysia to commence your journey. The policy expires upon the your return to the point of departure, or 30 days after the initial departure, or when you leave Malaysia, whichever is earlier. Cover will be automatically extended, free of charge, until your journey can be completed should your return home be delayed due to injury, illness or delays in public transport.

Cover will be automatically extended, free of charge, until your journey can be completed should your return home be delayed due to injury, illness or delays in public transport.

Please note that product benefits, premium collection, and claim payments are all displayed and transacted in Malaysian Ringgit (MYR), and that no excesses or deductibles apply to the benefits presented below:

Domestic Travel Insurance Benefits (in MYR) Domestic Basic Plan Domestic Value Plan Domestic Premier Plan
MEDICAL AND TRAVEL ACCIDENT BENEFITS
Emergency Medical And Dental Expenses Up to 5,000 Up to 10,000 Up to 20,000
Emergency Medical Assistance Or Medical Evacuation in Malaysia Up to 100,000 Up to 100,000 Up to 100,000
Hospital Confinement Allowance - - 150 per day
Up to 1,500
Repatriation of Mortal Remains Up to 100,000 Up to 100,000 Up to 100,000
Emergency Travel And Accommodation Expenses Up to 500 Up to 1,000 Up to 1,500
Accidental Death And Disablement
Adults (aged 18 to 70 years inclusive)
Seniors (over 70 years)
Children (under 18 years)

Up to 100,000
Up to 50,000
Up to 6,250

Up to 100,000
Up to 50,000
Up to 6,250

Up to 100,000
Up to 50,000
Up to 6,250
TRAVEL INCONVENIENCE BENEFITS
Luggage & Personal Effects Up to 2,000 Up to 2,500 Up to 3,000
Luggage Delay 250 per 6 hours
Up to 250
250 per 6 hours
Up to 500
250 per 6 hours
Up to 750
Travel Delay 150 per 6 hours
Up to 1,000
150 per 6 hours
Up to 1,500
150 per 6 hours
Up to 2,000
Trip Cancellation Up to Airfare Value Up to 2,500 Up to Trip Value
Trip Curtailment Up to Airfare Value Up to 2,500 Up to Trip Value
Personal Liability Up to 500,000 Up to 750,000 Up to 1,000,000
24 HOUR ASSISTANCE ACCESS
24 hour Emergency Assistance Help Line Yes Yes Yes
24 Hour Concierge and Travel Assistance Service Yes Yes Yes
Urgent Message Relay Yes Yes Yes
Legal or Embassy Referral Yes Yes Yes
Emergency Travel Arrangements Yes Yes Yes
Lost Luggage Retrieval Yes Yes Yes
Lost Passport Assistance Yes Yes Yes
Translator / Interpreter Service Arrangement Yes Yes Yes
Arrange Accommodation due to Travel Delay Yes Yes Yes
Emergency Cash Advance Yes Yes Yes
 

The following is a Summary of Benefits, briefly describing what is covered by each benefit and included in each assistance service. Please read the Policy Wording carefully for the complete details of what "We Will Pay" and what "We Will Not Pay". Importantly, please note that exclusions do apply as well as limits to the cover and these are set out in the Policy Wording.

Medical and Travel Accident Benefits

Emergency Medical and Dental Expenses

Covers medical expenses incurred in Malaysia due to an accident or injury. Outpatient and In-patient expenses are covered, including: medical, hospital, surgical, and nursing expenses.

Emergency Medical Assistance or Evacuation

Arrange and pay for the assistance services if you injure yourself during your domestic trips. Includes also the cost of emergency medical assistance transportation and medical costs of your emergency medical transfer if you must be transported to a hospital for emergency medical treatment in Malaysia. Once you are fit to travel cover also includes arranging and paying for the transportation and medical costs to repatriate you back to your home in Malaysia.

Hospital Confinement Allowance

Pays a daily benefit for each complete day you are hospitalized as an in-patient in a medical facility in Malaysia.

Repatriation of Mortal Remains

Covers expenses incurred in returning the remains of the traveller, who suffers loss of life during the trip.

Emergency Travel and Accommodation Expenses

Covers additional travel and accommodation expenses incurred resulting from medical reasons. Benefit includes compassionate return trip back to your home in Malaysia in the event your travelling companion or a relative passed away or is disabled by an injury and compassionate visit by your travelling companion or relative in cases whereby you are suffering from a life threatening injury or sickness.

Accidental Death & Disablement

Covers death and disablement arising from an accident during your journey.

Travellers aged over 70 years and Children travellers aged under 18 years are eligible for up to 50% and 6.25% of the sum insured, respectively.

Travel Inconvenience Benefits

Luggage & Personal Effects

Covers lost and damaged luggage. Items covered under this benefit include clothing, personal effects, golfing equipment, and portable personal computers.

The single article limit is MYR 1,000 for golfing equipment, portable personal computers, cameras and video cameras and MYR 500 for all other items.

Luggage Delay

Pays for the purchase of essential items if your checked-in baggage is delayed for more than 6 consecutive hours from the time of arrival at your destination in Malaysia.

Travel Delay

Pays for each full 6 consecutive hours delay due to strike, adverse weather conditions, or mechanical breakdown.

Trip Cancellation

Covers for lost deposits and cancellation fees for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you, such as sickness, accidents, strikes, and natural disasters.

Trip Curtailment

Covers additional travel or accommodation expenses incurred or forfeited if your trip is disrupted after the commencement of the journey due to circumstances neither expected nor intended by you, such as sickness, accidents, strikes, natural disasters, and hijack.

Personal Liability

Covers the legal expenses and legal liability to third parties or damage to their property caused by your negligence.

24 Hour Assistance Access

24 Hour Emergency Assistance Help Line

24 Hour Concierge and Travel Assistance Service

Urgent Message Relay

Legal or Embassy Referral

Emergency Travel Arrangements

Lost Luggage Retrieval

Lost Passport Assistance

Translator/Interpreter Service Arrangement

Arrange Accommodation due to Travel Delay

Emergency Cash Advance