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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 hoursUp to 1,000 |
150 per 6 hoursUp to 1,500 |
150 per 6 hoursUp 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 |
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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
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