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Travel Insurance Plan for Malaysian Travelers

Essentially, a standard travel insurance policy is a hybrid product containing various insurance benefits, such as personal accident benefit, medical & hospitalisation benefit, personal liability benefit and repatriation benefit. However, a travel policy would come with features that will also covers various travel-related risk and inconveniences.

Here’s a list of travel-related benefits commonly found in a travel insurance policy:

  • Travel Cancellation
  • Travel Curtailment
  • Travel Postponement
  • Travel Delay
  • Travel Reroute
  • Travel Overbooked
  • Travel Misconnection
  • Baggage Delay
  • Baggage Damage During Air Common Carrier Travel
  • Damage or Loss of Personal Effects
  • Replacement of passport/visa, accomodation, etc
  • Lost of Air Ticket
  • Loss of Money
  • Credit Card Indemnity
  • Emergency Medical Evacuation & Repatriation of Mortal Remains
  • Compassionate Visit (Due to Hospitalisation or Death)

Although some may argue that travel insurance benefits overlap with their existing insurance coverage (such as Medical & Hospitalisation benefits and Personal Accident Benefits), I would add that such concerns are not justified since premium for travel insurance policies are not very expensive. This is especially true for frequent travelers, since getting an annual travel plan is much more affordable than travel plans for specific travel period.

By getting a travel policy on top of your existing coverage, in the event of a medical & hospitalisation claim, you can claim the expenses from your travel policy and leave your existing medical coverage’s limit unscathed. Also, comparatively, most travel insurance companies are much more well-equipped with international medical claims and are more resourceful in assisting you with your inconveniences overseas. Depending on the claim types, most insurers would provide cashless benefits to ease your financial damages. For outpatient treatments, claims are normally on reimbursement basis. In my experience, it’s very important for the policyholders to immediately contact the insurers in the event of a possible claims before any payments are made.

Most airlines also provide options for you to bundle travel insurance coverage when you buy air tickets online. However, do bear in mind that if you purchase airline-bundled travel insurance packages, you will need to go through the claim procedures yourself. If you are purchasing your insurance policy through experienced travel agencies or travel insurance agents who are already experienced and well-versed with every nook and cranny of the claim procedures. Today, you can even purchase travel insurance online.

Travel Insurance Buying Guide

Compiled via NST Travel Online

  • Part 1: Need for Travel Insurance
  • Travel-savvy Malaysians today go all over the country to the various resorts as well as to other countries. There is nothing like visiting new places to broaden our minds and have fun at the same time.

    But no matter how exciting travel may be, there are still certain precautions we should take as we will be stepping into new and unfamiliar places.

    A good way to protect yourself should you encounter problems that crop up during your travels is to buy travel insurance.

    Continue reading Part 1: Need for Travel Insurance…

  • Part 2: Claims You Can Make
  • What kind of losses can you claim from your travel insurance?

    The coverage and limitations under the policy vary depending on the insurance company. Here are some of the benefits offered in most travel insurance policies:

    Medical Expenses: Falling sick while travelling can be a very scary and expensive experience. In case of accident or illness, hospitalisation, medical and surgical expenses and outpatient medical expenses are payable under this benefit.

    Continue reading Part 2: Claims You Can Make…

  • Part 3: Not Covered
  • Last week, we talked about the claims you can make from your travel insurance. This week, you will learn that not everything is covered by travel insurance. What kinds of losses are not covered by travel insurance?

    War risks: These include loss or damage that may be attributed to civil war, revolution, riot or civil commotion.

    Suicide, mental disorder, self-inflicted injury: The resultant injury, illness or death arising out of these conditions are not sudden, accidental or caused by external factors. These acts may be considered against public policy and there is also the element of moral hazard.

    Continue reading Part 3: Not Covered…

  • Part 4: The Eligibility
  • What criteria do you need to fulfil to be eligible for travel insurance?

    Travel insurance policies are generally assessed by age, destination, length of stay and any pre-existing condition. Age may affect the eligibility of the elderly but it also depends on the other factors mentioned above.

    Continue reading Part 4: The Eligibility…

  • Part 5: Compensation and Satisfaction
  • You need to protect you and your family in case of unexpected emergencies during your travel. However, you may not be satisfied with the offer made by your insurance company. How do you deal with this?

    First, you have to submit the claim form with supporting documents such as medical reports and police reports together with the details or a copy of your original policy. Check the time frame stipulated in your policy for filing claims.

    Continue reading Part 5: Compensation and Satisfaction…

Malaysia Travel Insurance Plan Providers

You can apply your travel insurance online at InsuranceOnline.my or choose directly from any of the following travel package below:

 
Domestic

Within East Malaysia only

or Within West Malaysia only,

beyond 50km from your place of residence or stay

 
Region 1

East to West Malaysia or vice-versa

Australia, Brunei, Cambodia, China, Dubai, India, Indonesia, Japan, Korea, Laos, Macau, Maldives, Myanmar, New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand, Vietnam
     
     
     
 
Region 2
Worldwide excluding
Africa, Bangladesh, Canada, Middle East, Nepal, Tibet, USA
 
Region 3
Worldwide including
Africa, Bangladesh, Canada, Middle East, Nepal, Tibet, USA
     

Here’s a list of Travel Insurance Providers in Malaysia and their 24-hour Assist hotlines.

Chartis Travel Guard
CHARTIS HOUSE, NO. 99 JALAN AMPANG, 50450 KUALA LUMPUR, P.O. BOX 11768, 50756 KUALA LUMPUR.
Tel: 1 800 88 8811
Email: CMICare@chartisinsurance.com

24 Hours Worldwide Travel Assist: +603-2772 5600




logo-air-asia-go-insure
AirAsia GoInsure
Multi-Purpose Insurans Bhd., 9th Floor, Menara Multi-Purpose, Capital Square, No.8, Jalan Munshi Abdullah, 50100 Kuala Lumpur.
Tel: 03-20349888
Fax: 03-26945758
E-mail: enquiry_gi@mpib.com.my

24-hr Emergency Medical Assistance: +603-7628 3630 or +603-7841 5770

Claims Form: Download here.

General Inquiries
For general inquiries about the AirAsia GoInsure Travel Protection program, e-mail Guest Support at enquiry_gi@mpib.com.my

For all inquiries related to insurance claims, e-mail enquiry_gi@mpib.com.my




logo-msig
MSIG TravelRight Plus Insurance
MSIG Insurance (Malaysia) Bhd. (46983-W)
Customer Service Centre: Level 22
Head Office: Levels 21-23 & 27-29, Menara Weld
No. 76, Jalan Raja Chulan, 50200 Kuala Lumpur, Malaysia
Tel: +603-2050 8228 Fax: +603-2026 8086
Customer Service Hotline: 1-800-88-MSIG (6744)
E-mail: myMSIG@my.msig-asia.com

MSIG Assist 24-hour Emergency Hotline: +603-2166 3080

Claims Form: Download Here




logo-axa
AXA Smart Traveller
AXA Affin General Insurance Berhad (23820-W)
Head Office: Ground Floor Wisma Goldhill 67 Jalan Raja Chulan
50200 Kuala Lumpur Tel: (603) 2170 8282 Fax: (603) 2031 7282
E-mail: customer.service@axa.com.my
Website: www.axa.com.my

24-hour AXA Travel Assistance Hotline: +603-76283636

Claims Email: claims@axa.com.my

Claims Forms: SmartTraveller, SmartSafe Traveller

Submit Claims Online: https://www.eservices.axa.com.my/public/onlineclaims/




logo-bh-insurance
BH Insurance eZ Travel
BH Insurance (M) Bhd. 29962-V
(Formerly known as Royal & Sun Alliance Insurance (M) Bhd.)
(A member of Boustead Group)
Wisma Boustead, 71 Jalan Raja Chulan, 50200 Kuala Lumpur. P.O. Box 12192, 50770 Kuala Lumpur.
Telephone: 03-2141 0233 Facsimile: 03-2142 9219 Website: www.bhinsurance.com.my

Emergency Medical Evacuation & Repatriation Hotline: +603-2711 2899

Claims Form: Download Here




logo-rhb-insurance
RHB TravelProtector
RHB Insurance Berhad, Level 8, Tower One, RHB Centre, Jalan Tun Razak, 50400 Kuala Lumpur
Tel: +603-9281 2731
Fax: +603-9281 2729
E-mail: rhbi_general@rhbinsurance.com.my




logo-aec
ACE Insurance TravelMate
Level 26 Menara Weld 76 Jalan Raja Chulan 50200 Kuala Lumpur
Tel 03 2058-3000
Fax 03 2058-3333
www.aceinsurance.com.my

Claims Helpline: +603-2058 3220

Claims Form: Download here!




logo-etiqa
Malaysia Airlines MHInsure
Etiqa Insurance Berhad (9557T), Level 19, Tower C, Dataran Maybank, No. 1 Jalan Maarof, 59000 Kuala Lumpur, Malaysia
Tel: 1-300-13-8888 (for calls originating from outside of Malaysia, please call 603-2780-4500)
Fax: 03-2296 1799
Email: info@etiqa.com.my

24-hours Emergency Assistance Hotline: +(60) 3 6207 4115 (reverse charge call from overseas), or at 1800 806 377 for toll-free hotline within Malaysia.

Claims Email: MHinsure-claims@mondial.assistance.com.my

Claims Form: Download here




logo-hsbc-amanah-takaful
HSBC TravelSafe
HSBC Amanah Takaful (Malaysia) Sdn. Bhd. (731530-M),
3rd Floor, Wisma Hamzah-Kwong Hing,
No. 1 Leboh Ampang, 50100 Kuala Lumpur.
Product Enquiries: 1300-80 2428 (From Malaysia) or +603-2054 8686 (From overseas)

Email: contacttakaful@hsbc.com.my

Common Mistakes when Making Travel Insurance Claims

Mistake 1: Did not contact the Insurer during an emergency
Let’s face it, we all panic during an emergency. That’s why it’s called an emergency, a state for us to justify our panic-driven behavior. And it is during such a time that a calm and collected mind would provide the best solution to get us out of the emergency, with the most minimal damage or loss.

And so it is when you are traveling out there in a foreign land. Mistake number one is of course, not having any proper travel insurance coverage. I’s not saying you should pay through your nose for travel insurance, but unlike traveling domestically, getting stranded in an emergency while traveling overseas can really complicate things. So getting some basic coverage can at least minimize the psychological burden, while it buys you some time to analyze the situation.

However, one of the most common mistake for people who are covered with travel insurance is that they often did not notify their insurer immediately. They do not realize that the travel insurance also comes with advice on how to get the most effective treatment or solution for their emergency. Also, by contacting the Travel Insurer immediately, you can also get the necessary information on what paperwork you must obtain from the relevant authorities to ensure a speedy claim when you are back to your home country. Most people just assume that by filling up a claim form provided by the Travel Insurer, they will get their reimbursement. This is definitely not the case- all claims must be backed by authentic and relevant documents.

Yes, it’s also true that the travel insurance do not cover every emergencies, but one should utilize the facility provided by the Travel Insurer where you can ask for the best course of action.

Mistake 2: Did not submit original documents when making a claim
Most if not all Travel Insurer only accepts original receipts for claim submission. Yes, if you have lost your original receipts, you will have some problem verifying the authenticity of your claim. The alternative is to probably request for a copy of receipt from the relevant party and have them verified by either the party involved. Some Travel Insurer might also allow you to use your original credit card statement, verified by the card issuing bank.

However, by not providing the original bills or receipts for the payments you have made, you are just putting yourself in between a rock and a hard place. Don’s take it as an insult on your character when the Travel Insurer says that they will not reimburse you until you show up with the original documents. No one is saying your dishonest, it’s just that, to proceed with the claim, photocopy of your payment documents are not going to make it through the Claims Department, period.

There is a reason why Travel Insurers insist on original documents, in fact, it is the practice of all Insurer that all monetary claims that is to be reimbursed to the policyholder must be furnished with original and authentic payment receipts. This is to ensure that policyholders do not claim the bills from other Insurers and try to profit from the claim.

So, no matter what policy is being practiced by the country you have traveled to, you must insist on the original copy of all the payments you have made. Do not settle for photocopy or carbon-copy. You have the right to receive original receipts as proof of your payments.

Mistake 3: Did not submit the claim within the stipulated time period
Most people would think that as long as they have the proper documentations in place, they can submit their claim anytime. Nonetheless, it’s a good idea to check the details of your travel insurance policy before making any assumptions on the time given for you to submit your claims. A ‘sotice of Claim’sclause in a standard Travel Insurance policy might look like this:

NOTICE OF CLAIM: Notice of claim must be given to the Company within thirty (30) days after the Date of Loss/Accident. The Policyholder and/or Insured Person hereunder shall produce for the Company’s examination pertinent documents at such reasonable times and shall co-operate with the Company in all matters pertaining to any loss and/or claims. Failure to comply with this condition may prejudice the claim. Notice of claim given by or on behalf of the Policyholder and/or Insured Person to the Company, or to any authorized official of the Company providing information sufficient to identify the Policyholder and/or Insured Person shall be deemed notice to the Company.

In some cases, it might not be feasible to send in or fax a written notification to the Travel Insurer. Hence, it’s a good idea to always keep the Travel Insurer’s 24 hours emergency assistance hotline number and your travel insurance policy number when you are traveling. Check out this link for a list of Malaysia Travel Insurance Provider’s emergency hotline numbers.

For example, let’s say that you’se lost your passport the moment you’se arrived in your destination. Under most travel insurance, the loss of travel documents entitles you for a claim. And it would be another 2 months before you are heading back to Malaysia. Under this circumstance, it would be wise for you to call up the Travel Insurer and inform them about the loss and then have them advise you on the steps you need to take to ensure a speedy claim. If you wait till you come back to Malaysia, which is more than 30 days after your loss, you might need to furnish all the reasons of you not being able to notify the company and all the unnecessary ping-pongs with the Travel Insurer’s Claim Department.

So, to make your life easy, always contact your Travel Insurer whenever you have an emergency, regardless of whether you are entitled for a claim or not.

Travel-related Health Advice

doctor-diagnosing-patient

The following is some health tips which can be useful for travelers who want to make sure they are physically prepared for their trips:

Medical Advice
Before travel, consult your health professional to discuss:

  • Itinerary
  • Duration of Travel
  • Mode of Travel
  • Past Medical History
  • Vaccination Requirements
  • Pregnancy
  • Allergies
  • Medications
  • Pre-existing Conditions
  • Disease Prevention

Tips for long distance travellers:

  • Do frequent leg exercise and take deep breaths regularly while seated
  • Drink plenty of non-alcoholic beverages to prevent dehydration

The three R’s of Travel Vaccination

1) Routine Vaccinations are regularly administered during childhood / adulthood:

  • Tetanus / Diphtheria
  • Polio
  • MMR
  • Pneumococcal
  • Varicella
  • Meningococcal

2) Required Vaccinations may be legally required when crossing international borders:

  • Yellow Fever
  • Cholera
  • Meningococcal

3) Recommended Vaccinations may be recommended depending on your specific travel destination:

  • Hepatitis A
  • Hepatitis B
  • Typhoid
  • Japanese Encephalitis
  • Poliomyelitis
  • Rabies
  • Cholera

Please see your doctor to idenfity your specific needs.

A Sample Travel Insurance Policy Benefits

Here are some basic benefits that are offered in a standard travel insurance coverage. This list is used as a reference only.

travel-insurance-policy1) PERSONAL ACCIDENT

1. Medical and Accidental Dental Expenses
If the Insured Person suffers from a Covered Condition during his/her Trip or Domestic Trip, the Company will reimburse the Medically Necessary Expenses (which are Reasonable and Customary) incurred:
(a) within fifty two (52) weeks from the Date of Loss/Accident or upon an Emergency Medical Evacuation, whichever is earlier; and
(b) at the country where the Insured Person was evacuated to due to an Emergency Medical Evacuation; and/or
(c) at the country where the loss occurred.

up to the amount specified in item A1a) for an Insured Person up to the age of seventy (70) or up to the amount specified in item A1b) for an Insured Person above the age of seventy (70) of the Schedule of Benefits as attached hereto.

2. Treatment in Malaysia (excluding travel from East to West Malaysia and vice versa)
If the Insured Person suffers from a Covered Condition during his/her Trip and seeks treatment in Malaysia within 7 days from the date of return to Malaysia , the Company will reimburse the Medically Necessary Expenses (which are Reasonable and Customary), incurred up to the number of days specified in item A2a) for an Insured Person up to the age of seventy (70) or up to the number of days specified in item A2b)
for an Insured Person above the age of seventy (70), of the Schedule of Benefits as attached hereto.

In the event of Hospitalization for item A1 and A2, where permissible, the Insurer will advance payment to a Hospital.

3. Alternative Medicine
If the Insured Person suffers from a Covered Condition during his/her Trip and seeks treatment from a traditional medicine practitioner, osteopath, physiotherapist and/or a chiropractor, the Company will reimburse the expenses incurred for such treatment up to the amount specified in item A3 of the Schedule of Benefits as attached hereto. This benefit excludes treatment prescribed by someone who is the Insured Person himself/herself or an Immediate Family Member of the Insured Person.

The sum payable for item A2 and A3 forms part and parcel of the amount stated in Item A1 of the Schedule of Benefits as attached hereto.

In the event an Insured Person becomes entitled to or receives: (1) refund; (2) reimbursement; (3) subsidy; and/or (4) gratuity, of all or part of any part of the total expenses incurred within the ambit of this section from any other source, the Company shall only be liable for the remaining unpaid amount.

4. Daily Hospital Income
If the Insured Person suffers from a Covered Condition during his/her Overseas Trip and is Hospitalized , the Company will pay a Daily Hospital Income for every complete day he/she is Hospitalized up to the amount specified in Item A4 of the Schedule of Benefits as attached hereto.

5. Double Hospital Income Benefit
If the Insured Person suffers from a Covered Condition during his/her Overseas Trip and is Hospitalized in an Intensive Care Unit (ICU), the Company will pay double the Daily Hospital Income Benefit for every complete day he/she is confined to the ICU up to the amount and number of days specified in Item A5 of the Schedule of Benefits.

This policy will only pay for any claim either under item A4 or A5 but not both for each day of hospitalization.
Exclusions: -

For the purpose of item 1 to 5, this insurance excludes any one of the following events or situations. The Insured Person shall, if so required, and as a condition precedent to any liability of the Company, prove that the loss did not in any way arise under or through any of the exclusion set out below: -

1. treatment in Malaysia except as described above;
2. diagnosis, X-ray examination, general physical or medical examinations, not incidental to treatment or diagnosis of a Covered Condition or any treatment which is not Medically Necessary;
3. pregnancy or childbirth, miscarriage, abortion and prenatal and postnatal care and surgery, mechanical or chemical contraceptive methods of birth control or treatment pertaining to infertility. Erectile dysfunction and tests or treatment related to impotence or sterilisation;
4. treatments specifically for weight reduction or gain;
5. investigation and treatment of sleep and snoring disorders, hormone replacement therapy and alternative therapy except those stated in item A2 above.
6. any eye examination, refractive surgery, dental treatment or oral surgery unless they are direct consequences of an Accident;
7. external prosthetic appliances or devices such as artificial limbs, hearing aids, implanted pacemakers, contact lenses, lenses, glasses and prescription thereof;
8. costs and expenses which are of non medical nature such as television, telephones, telex services, radios or similar facilities, admission kit/pack and other ineligible non-medical items;
9. circumcision unless Medically Necessary or expenses incurred for sex change;
10. vaccinations and their complications;
11. expenses incurred for donation of any body organ by an Insured Person and costs of acquisition of the organ including all costs incurred by the donor during organ transplant and it’s complications;
12. any Trip or Domestic Trip undertaken against the advice of a Doctor, Physician or Surgeon, or when the purpose of such travel was to obtain any form of medical treatment, consultation or advice;
13. if the first treatment of a Covered Condition occurs thirty (30) days after the Date of Loss/Accident;

6. Emergency Medical Evacuation and Repatriation of Mortal Remains

Emergency Medical Evacuation
If the Insured Person suffers from a Covered Condition during his/her Trip or Domestic Trip and if in the opinion of the Insurer, an Emergency Medical Evacuation is Medically Necessary, the Insurer will arrange for the Emergency Medical Evacuation:
(a) by any means or manner deemed by the Insurer to be most suitable for the Insured Person; and
(b) based on the severity of the Insured Person’s Covered Condition.

The Company shall reimburse the Insured directly for the Covered Expenses up to the amount specified in Item B6 of the Schedule of Benefits as attached hereto save and except for the following:
(a) any expenses incurred for services provided by another party for which the Insured Person is not liable to pay; or
(b) any expenses for a service not approved and arranged by the Insurer. This exception may be waived in the event the Insured Person is unable, for reasons beyond his/her control, to notify the Insurer during an emergency medical situation. In any event, the Company reserves the right to reimburse the
Insured Person only for those expenses incurred for services which the Insurer would have provided under the same circumstances and up to the amount described in Item B6 of the Schedule of Benefits as attached hereto.

Repatriation of Mortal Remains
If the Insured Person dies as a result of a Covered Condition during his/her Trip or Domestic Trip, the Company shall:
(a) reimburse the Insured for expenses incurred to transport the Insured Person’s mortal remains to Malaysia; and
(b) reimburse the Insured Person’s estate the expenses incurred for services and supplies provided by a mortician or undertaker, including but not limited to the standard cost of a casket, embalming and/or cremation, if applicable, up to the amount specified in Item B6 of the Schedule of Benefits as attached
hereto.

Exclusions:-
For purposes of this section, the Company shall not be liable to pay for and/or reimburse the following:-
(a) any expenses incurred for services provided by another party for which the Insured Person is not liable to pay; and
(b) any expenses for a service not approved and arranged by the Insurer.

7. Compassionate Visit (due to Hospitalization of the Insured Person)

(a) if as a result of a Covered Condition during the Insured Person’s Trip, the Insured Person is Hospitalized for five (5) or more consecutive days; and
(b) if his/her medical condition does not allow an Emergency Medical Evacuation to be carried out; and
(c) if no adult member of his/her Immediate Family Member is present, the Company shall reimburse the reasonable expenses for:
- accommodation;
- communication;
- economy class travel fare and travel expenses at the place of loss; and
- meals.

necessary incurred by one (1) Immediate Family Member or a friend to
visit and stay with the Insured Person during the Insured Person’s stay in
a Hospital, as advised by a Doctor, Physician or Surgeon up to amount
specified in item B7 of the Schedule of Benefits as attached hereto.

8. Compassionate Visit (due to the Insured Person’s death)
(a) if as a result of a Covered Condition during the Insured Person’s Trip, the Insured Person dies; and
(b) if no adult member of his/her Immediate Family Member is present, the Company shall reimburse the reasonable expenses for:
- accommodation;
- communication;
- economy class travel fare and travel expenses at the place of loss; and
- meals.

necessary incurred by one (1) Immediate Family Member or a friend to assist in the final arrangement at the place of death up to amount specified in item B8 of the Schedule of Benefits as attached hereto.

This policy will only pay for any claim either under item 7 or 8 but not both.

9. Child Guard
If the Insured Person:
(a) is Hospitalized as a result of a Covered Condition during his/her Trip; and
(b) is accompanied by a child below the age of nineteen (19) and
(c) there is no adult present to look after the well being of the child.

the Company shall reimburse the Insured for the expenses incurred for an economy class travel fare for one (1) Immediate Family Member to accompany the child back to the Country of Origin up to the amount specified in item B9 of the Schedule of Benefits as attached hereto.

10. Accidental Death and Permanent Disablement
When, as the result of an Accident occurring during his/her Trip or Domestic Trip, an Insured Person dies or suffers from the conditions set out in the Compensation Table provided below, within three hundred and sixty five (365) days from the Date of Loss/Accident, the Company will pay up to the amount specified in item in item C10 of the Schedule of Benefits as attached hereto subject to the applicable percentage of
payable insured sum as set out in the said Compensation Table.

Compensation Table here…

In the event of any Permanent Disablement not otherwise provided for under the Compensation Table, the Company reserves the right to adopt such percentage as in the Company’s opinion which is not inconsistent with the indemnities provided under the Compensation Table.

COMPENSATION LIMIT: Compensation limit shall apply in respect of each Insured Person. Compensation for each Insured Person shall not be payable for more than once in respect of each event in the Compensation Table in respect of the same Accident. The admission of any one benefit (item 1 to 12 in the Compensation Table) will exhaust that particular benefit coverage for a particular Insured Person. The policy will continue as if that coverage benefit had been cancelled for that Insured Person. Total compensation payable for each Insured Person during the Period of Insurance is limited to 100% of the Accidental Death and Permanent Disablement coverage benefit.

Should this 100% limit be reached before the expiry of the Period of Insurance, the coverage for the Insured Person will lapse at the moment the last event giving rise to the 100% benefit or that difference making up the balance of the 100% benefit occurs.

11. Child Education Fund
When, as the result of an Accident occurring during his/her Trip, an Insured Person dies within three hundred and sixty five (365) days from the Date of Loss/Accident and at the Date of Loss/Accident has a Child, the Company will pay the amount specified in item in item C11 of the Schedule of Benefits as attached hereto.

12. Travel Cancellation
If the Insured Person cancels his/her Trip or Domestic Trip due to :
(a) the death; or
(b) the Permanent Total Disablement; or
(c) the Hospitalization as a result of a Covered Condition;
of the Insured Person, his/her Immediate Family Member and/or Travel Companion.
or
(d) serious damage to the Insured Person’s principal residence from fire, flood or similar natural disaster occurring one(1) week from prior to the commencement of Trip or Domestic Trip , which requires the Insured Person’s presence on the premises ;or
(e) serious damage to the Insured Person’s Vehicle substantiated by a police report in the 48 hours prior to the commencement of the Trip or Domestic Trip and to the extent this Vehicle cannot be used to travel to the point of departure if the Insured Person had planned to use the Vehicle for the Trip or Domestic Trip; or
(f) the unexpected outbreak of Strike, Civil Unrest ,Riot, Commotion occurring fourteen (14) days prior to the commencement of Trip or Domestic Trip which is beyond the Insured Person’s control at the planned destination that will put the Insured Person’s life in danger;

the Company shall reimburse the Insured Person the cost of travel and/or accommodation expenses :
- paid in advance; and
- for which the Insured Person is legally liable; and
- which are not recoverable from any other source.
up to the amount specified in item D12 of the Schedule of Benefits as attached hereto.

13.Travel Curtailment
If the Insured Person curtails his/her Trip and returns directly to Malaysia due to:
(a) the death; or
(b) the Permanent Total Disablement; or
(c) the Emergency Medical Evacuation; or
(d) the Hospitalization for forty eight (48) consecutive hours as a result of a Covered Condition;
of the Insured Person, his/her Immediate Family Member and/or Travel Companion.
or
(e) denied entry at the Overseas country due to a Covered Condition which requires Hospitalization for forty eight (48) consecutive hours;
(f) serious damage to the Insured Person’s principal residence from fire, flood or similar natural disaster, which requires the Insured Person’s presence on the premises;
(g) the unexpected outbreak of Strike, Civil Unrest ,Riot, Commotion occurring during the Trip which is beyond the Insured Person’s control at the planned destination that will put the Insured Person’s life in danger;
(h) hijacking of the Common Carrier in which the Insured Person is traveling.

The Company shall reimburse the Insured Person the :
- cost of travel and/or accommodation expenses incurred; and
- unused and non refundable part of the Trip paid in advance.
for which the Insured Person is legally liable and which are not recoverable from any other source up to the amount specified in item D13 of the Schedule of Benefits as attached hereto.

This policy will only pay for any claim either under item D12 or D13 but not both.

Exclusions:-
For purposes of item 1 to 13, this insurance excludes any one of the following events or situations. The Insured Person shall, if so required, and as a condition precedent to any liability of the Company, prove that the loss did not in any way arise under or through any of the exclusion set out below: -
1. any Pre-Existing Conditions;
2. any Congenital Conditions;
3. driving or riding in any kind of race, competition or contest whether casual or otherwise involving motorized land, water or air vehicles including any related activities;
4. engaging, practicing or participating in a sport in a professional capacity or when the Insured Person would or could earn income or remuneration from engaging in such sport;
5. suicide or intentional self-inflicted injuries or any attempted act in connection thereof whether sane or insane;
6. alcoholism, drug abuse or any other complications arising therefrom;
7. psychotic, mental and nervous disorders (including any neuroses and their physiological or psychosomatic manifestations);
8. pregnancy, miscarriage or childbirth, or any treatment relating to birth control or treatment pertaining to infertility or any other complication arising therefrom.

14. Travel Postponement
If the Insured Person’s Trip is postponed due to any of the reasons (a) to (f) stated in item D12, the Company will reimburse the resulting cost of rebooking charged by the airlines and/or Travel Agent up to amount specified in item D14 of the Schedule of Benefits as attached hereto.

15. Loss Of Travel Deposit and/or Fares
If the Insured Person’s Trip or Domestic Trip is cancelled due to the insolvency of an:-
(a) airline; or
(b) cruise-line; or
(c) tour operator; or
(d) Travel Agent from whom the Insured Person has purchased the Trip or Domestic Trip.
the Company shall reimburse the Insured Person for the loss of irrecoverable travel deposits or travel fares paid in advance up to amount specified in item D15 of the Schedule of Benefits as attached hereto provided always that any losses are not :
1. caused directly or indirectly by any government regulations or control;
2. caused by cancellation by the airline, cruise-line, tour operators or Travel Agent in relation to the planned Trip or Domestic Trip;
3. that is covered by any other existing insurance scheme or government program;
4. which will be paid or refunded by a hotel, airline, industry compensation scheme, Travel Agent or any other travel services or accommodation provider;
5. Insolvency which occurred, or for which a petition for bankruptcy was filed before the effective date of this policy; or
6. caused by failure of any airline, cruise-line, tour operator or Travel Agent, person or agency to provide the travel arrangements for reasons other than Insolvency.

In the event a family plan is taken up, the total liability of the Company shall not exceed 300% of this benefit.

16. Travel Delay
If the Insured Person’s covered scheduled Common Carrier during his/her Trip or Domestic Trip is delayed for six (6) hours consecutively from the original scheduled departure time as specified in his/her printed itinerary, the Company shall pay the Insured Person Ringgit Malaysia Two Hundred (RM200.00) only for the first six (6)
consecutive hours of delay, followed by the sum of Ringgit Malaysia Two Hundred (RM200.00) for the next six (6) consecutive hours of delay and so on, up to the amount stated in item D16 of the Schedule of Benefits as attached hereto save and except for:
(a) the Insured Person missing a scheduled Common Carrier as a result of the Insured Person’s failure to check in within the stipulated time as specified in his/her printed itinerary supplied to him/her;
(b) any Strike or industrial action by the scheduled Common Carrier existing on the date his/her Trip or Domestic trip is arranged; or
(c) the Insured Person’s late arrival to a Common Carrier terminal where his/her covered scheduled Common Carrier is to depart from save and except when such late arrival is caused by a Strike or an industrial action.

17. Travel Reroute
If the Insured Person’s covered scheduled Common Carrier during his/her Trip is delayed for six (6) hours consecutively from the original scheduled arrival time as specified in his/her printed itinerary due to the rerouting of the scheduled Common Carrier, the Company shall pay the Insured Person the amount stated in item D17 of the Schedule of Benefits as attached hereto.

18. Travel Overbooked
If the Insured Person is denied boarding on a scheduled Common Carrier during his/her Trip due to overbooking and no alternative Common Carrier is made available within six (6) hours consecutively from the original scheduled departure time as specified in his/her printed itinerary, the Company shall pay the Insured Person Ringgit Malaysia Five Hundred (RM500.00) only for the first six (6) consecutive hours of delay,
followed by the sum of Ringgit Malaysia Five Hundred (RM500.00) for the next six (6) consecutive hours of delay and so on, up to the amount stated in item D18 of the Schedule of Benefits as attached hereto save and except for:
(a) a journey arranged through an unlicensed travel agent
(b) absence of written confirmation from the Common Carrier or their handling
agents showing the ticket is over booked.

19. Travel Misconnection
If the Insured Person’s covered scheduled confirmed onward travel connection Common Carrier during his/her Trip or Domestic Trip is missed at the transfer point due to the late arrival of the incoming connecting scheduled Common Carrier and no onward Common Carrier is available or made available for six (6) hours consecutively from the original scheduled departure time as specified in his/her printed itinerary, the
Company shall pay the Insured Person the amount stated in item D19 of the Schedule of Benefits as attached hereto save and except for:
(a) the Insured Person missing a scheduled confirmed onward travel connection Common Carrier as a result of the Insured Person’s failure to check in within the stipulated time as specified in his/her printed itinerary supplied to him/her;
(b) cancellation made by the Insured Person

This policy will only pay for one claim made either under item D16 or D17 or D18 or D19.

20. Baggage Delay
If the Insured Person’s accompanying checked-in baggage during his/her Trip or Domestic Trip, is delayed for six (6) hours consecutively from the time of the Insured Person’s arrival at the baggage pick-up point, the Company shall pay the Insured Person Ringgit Malaysia Two Hundred (RM200.00) only for the first six (6) consecutive hours of delay, followed by the sum of Ringgit Malaysia Two Hundred (RM200.00) for the next six (6) consecutive hours of delay and so on, up to the amount stated in item D20 of the Schedule of Benefits as attached hereto save and except for claims not declared to a personnel of the Common Carrier authorized to receive such a report, as soon as the Insured Person is aware that the baggage is delayed.

21. Baggage Damage during Air Common Carrier Travel
If the Insured Person’s accompanying checked-in baggage in a Air Common Carrier during his/her Trip, is damaged to the extent that it is no longer useable, the Company shall pay the Insured Person the amount stated in item D21 of the Schedule of Benefits as attached hereto save and except for claims not declared to a personal of the Common Carrier authorized to receive such a claim, as soon as the Insured Person is
aware that the baggage is damaged.

22. Damage or Loss of Personal Effects (including Laptop)
If the Insured Person’s personal effects taken or purchased during his/her Trip or
Domestic Trip are lost or damage due to the following causes, the Company will
reimburse the original purchase cost of the loss item(s) subject to the amount specified
in Item D22 of the Schedule of Benefits as attached hereto:
(a) Burglary;
(b) Robbery;
(c) Snatch Theft; or/and;
(d) the negligence of a Common Carrier.

provided always that:
(1) such loss must be reported to the police or other relevant authorities having jurisdiction at the place of loss within twenty four (24) hours from the Date of Loss/Accident;
(2) the Company shall not be liable for more than Ringgit Malaysia Five Hundred (RM500) only in respect of any one (1) article or pair or set of articles; and/or Ringgit Malaysia One Thousand(RM 1,000.00) only in respect to Laptop.
(3) cover on baggage damage, Jewelry and electronic items are only in respect of Burglary, Robbery and /or Snatch Theft.

Exclusions:-
(A) For purposes of this section, the Company shall not be liable to pay for and/or
reimburse the following classes of property including its accessories and
peripherals if applicable:
a) motor vehicles, motorcycles, boats, motors, any other conveyances;
b) sport equipments excluding golfing equipment;
c) perishable and consumable items;
d) Household Contents, antiques, artifacts, paintings, objects of art or intrinsic value;
e) manuscript, financial securities of any kind, Money, stamps, travel documents, credit cards, bonds, coupons, negotiable instruments, title deeds, driving license and identity cards;
f) external prosthetic appliances or devices which includes but is not limited to artificial limbs, hearing aids, implanted pacemakers, contact lenses, lenses, glasses, artificial teeth and dental bridges;
g) musical instruments and;
h) fragile articles

(B) This insurance excludes any one of the following events or situations. The Insured Person shall, if so required, and as a condition precedent to any liability of the Company, prove that the loss did not in any way arise under or through any of the exclusion set out below: -
a) loss or damage caused by wear and tear or damage due to any process of repair, gradual deterioration, moths, vermin, inherent vice or damage sustained due to any process or while actually being worked upon or
resulting therefrom;
b) loss or damage to hired or leased equipment and loss of or damage to property resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, or action taken by governmental authorities in hindering, combating or defending against such an occurrence, seizure or destruction under quarantine or customs regulations, confiscation by order of any government or public authority or risk of contraband or illegal transportation or trade;
c) loss or damage to property insured under any other insurance policy or reimbursed by any other carrier, hotel or any other party;
d) loss to Insured Person’s baggage sent in advance, mailed or shipped separately;
e) loss to Insured Person’s baggage left unattended in any Public Place or as a result of the Insured Person’s failure to take due care and precautions for the safeguard and security of such property or left with a person that the Insured Person does not know;
f) loss of business goods or samples or equipment of any kind;
g) loss of data recorded on tapes, cards, discs or otherwise;
h) loss of or damage to golf balls and clubs and golf equipment whilst actually in the course of play or practice;
i) loss or damage caused by fragile items;
j) loss in respect of shortage due to error, omission, exchange transactions or depreciation in value; and
k) mysterious disappearance.

This policy will only pay for any claim either under item D21 or D22 but not both.

23. Loss of Travel Documents

a) Loss of Passport/Visa
If the Insured Person losses his/her passport or visa during his/her Trip as a result of Burglary, Robbery or Snatch Theft, the Company will reimburse the additional reasonable expenses for:
- the replacement of passport and/or visa;
- accommodation;
- communication ;
- travel at the place of loss; and
- meals.
incurred by the Insured Person up to the amount specified in item D23a)of the
Schedule of Benefits as attached hereto.

b) Loss of Air Ticket
If the Insured Person losses his/her air ticket during his/her Trip as a result of Burglary, Robbery or Snatch Theft, the Company shall pay the Insured Person the amount stated in item D23b) of the Schedule of Benefits as attached hereto

24) Loss of Money
If the Insured Person losses his/her Money during his/her Trip as a result of Burglary, Robbery or Snatch Theft, the Company will pay the Insured Person the amount stated in the police report subject to the maximum amount specified in item D24 of the Schedule of Benefits as attached hereto.

Exclusion for item D23 and D24: -
For the purpose of item 23 and 24, this insurance excludes any one of the following events or situations. The Insured Person shall, if so required, and as a condition precedent to any liability of the Company, prove that the loss did not in any way arise under or through any of the exclusion set out below: -
1. loss in respect of shortage of currency due to error, omission, exchange transaction or depreciation in value;
2. loss which is not reported to the police within twenty four (24) hours after the discovery of such loss;
3. loss as a result of detention or confiscation by any lawfully constituted authorities;
4. mysterious disappearance; and
5. loss of personal money and/or passport left unattended in any Public Place or as a result of the Insured Person’s failure to take due care and precautions for the safeguard and security of such property or left with a person whom the Insured Person does not know.

25. Personal Liability
If the Insured Person is held legally liable to a third party as a result of any of the following listed incidents which takes place during his/her Trip or Domestic Trip, the Company will reimburse the Insured Person for up to the amount specified in item E25 of the Schedule of Benefits as attached hereto. This would include all costs and expenses incurred with the written consent of the Company in connection with the defense of any claims made against the Insured Person which is the subject of indemnity under this cover.
(a) death or Accidental bodily Injury caused to a third party; and/or
(b) Accidental loss of or damage to property belonging to any third party.

provided always that the Insured Person must not:
(a) make or attempt to make any offer of settlement; or
(b) promise of payment; or
(c) admit liability to any party; or
(d) become involved in any litigation without the Company’s prior written approval.

Exclusions: -
This insurance excludes any one of the following events or situations. The Insured Person shall, if so required, and as a condition precedent to any liability of the Company, prove that the loss did not in any way arise under or through any of the exclusion set out below: -
1. any claims arising out of the Insured Person’s criminal, malicious or deliberate acts;
2. employer’s liability, contractual liability or liability to a member of an Insured Person’s family;
3. acts of animals belonging to, or in the care, custody or control of an Insured Person or any person for whom the Insured Person is legally responsible;
4. pursuit of trade, business or profession;
5. damaged caused by or to buildings or part of buildings owned, rented or occupied by the Insured Person;
6. ownership, possession or use of any mechanically propelled vehicles, aircraft or water craft by the Insured Person or anyone for whom the Insured Person is legally responsible;
7. legal costs resulting from any criminal proceedings;
8. the Insured Person’s participation in any motor rallies or motor racing of any kind;
9. any claim arising out of the Insured Person being insane or under the influence or affected by drugs, alcohol or solvents;
10. judgment(s) that is/are not in the first instance delivered by or obtained from a court of competent jurisdiction within Malaysia;
11. sexual molestation, physical or mental abuse;
12. golfing either in the course of play or practice; and/or
13. any punitive, aggravated or exemplary damages awarded by any courts.
14. any non pecuniary loses;
15. property belonging to or held in trust or in the care, custody or control of the Insured Person or his/her employees or any member of his/her household;
16. liability for which indemnity is provided under any other contract of insurance under the Insured Person’s name.

26. Credit Card Indemnity
When, as the result of an Accident occurring during his/her Trip or Domestic Trip, an Insured Person dies or suffers from Permanent Total Disablement within three hundred and sixty five (365) days from the Date of Loss/Accident , the Company will pay for the Insured Person’s outstanding credit card expenses incurred during the Trip or Domestic Trip (less any arrears payments from prior months before the commencement of the Trip) incurred by the Insured Person during the Trip or Domestic Trip up to the amount specified in item E26 of the Schedule of Benefits as attached hereto.

27. Home Guard
If the Insured Person during his/her Trip suffers a physical loss or damage to his/her Household Contents within his/her residence in Malaysia that was left vacant, caused by Burglary the Company will pay the Insured Person the amount specified in item E27 of the Schedule of Benefits as attached hereto .

Exclusions
This insurance excludes any one of the following events or situations. The Insured Person shall, if so required, and as a condition precedent to any liability of the Company, prove that the loss did not in any way arise under or through any of the exclusion set out below: -
1) any loss or damage occasioned through the willful act of the Insured Person or with the involvement of the Insured Person.
2) loss (whether temporary or permanent) of the insured property or any part thereof by reason of confiscation, requisition, detention or legal or illegal occupation of such property or of any premises, vehicle or thing containing the same by any government authorities.
3) consequential loss or damage of any kind.
4) business or professional use in respect of photographic and sports equipment and accessories and musical instruments.
5) motor vehicles, boats, livestock, bicycles and any equipment or accessories relating thereto.
6) loss or damage insured under any other insurance policy, or reimbursed by any other party.

28. 24 Hours Worldwide Travel Assistance
The Insurer’s Travel Team shall provide the following services for the benefit of the Insured Person. These services are provided by multilingual travel assistance coordinators via telephone and such assistance provided shall not include the costs incurred to solicit these services.
A. Emergency Assistance Services
a) Medical reference to medical service providers;
b) Advance payment or guarantee for payment of Medical Expenses;
c) Emergency Medical Evacuation;
d) Repatriation of Mortal Remains.

B. Technical Services
a) Coordination with relevant parties to recover or locate lost/stolen baggage and personal effects.
b) Coordination with relevant parties to recover, locate and replacement of travel documents.
c) Provision of reference to legal advisors.

C. Pre-Trip General Services
a) Advise on procuring travel documentation.
b) Advise on immunizations, epidemics and available preventive measures.
c) Information on local government offices and political and environmental condition Overseas.
d) Information on currency exchange rate, location of major banks and public holidays.
e) Information on weather condition.

The above stated travel assistance services shall be provided by the Insurer and the Company shall use its best endeavors to ensure that the Insurer uses every effort to provide the services save and except for circumstances beyond its control.

Tips to Expedite Your Travel Insurance

Besides notifying your Insurer or the Agent immediately, here are some procedures that will help you in ensuring a faster and more efficient claim process.

In general, most Insurers would require you to furnish the following critical documents before any claims can be processed:

1) Fully completed Travel Claim form (incomplete form may cause delay in processing)
2) Original Insurance Certificate & Proposal Form
3) Original used air ticket & boarding pass

So, it’s always to your advantage to keep all your insurance documents filed and organized.

For each type of claims, preparing the following supporting documents will help a lot in the claim process. However, each Insurer will have a different set of requirements, so it’s best that you adhere strictly to their request to avoid any delays.

Medical Expenses
a) Original Medical Bills/Invoices
b) Original Payment Receipt issued by the clinic/hospital
c) Original Medical Report/Diagnosis note duly certified by the attending Physician

Flight Delay
a) Letter from airline confirming the delay duration (in number of hours), actual departure time and reason for the delay.

Flight Misconnection
a) Letter from airline confirming the actual time of arrival at the airport of the transit point and actual departure time of the connecting flight.
b) Original receipts for hotel accommodation, restaurant meals or refreshment.

Baggage Delay
a) Property Irregularity Report
b) Letter from airline confirming the delay duration (in number of hours), the reason for the delay and their offer of compensation.
c) Original receipts for emergency purchases of essential clothing & toiletries during the delay duration.

Baggage Loss
a) Property Irregularity Report
b) Letter from airline confirming the loss and their offer of compensation
c) Original receipts for items claimed

Baggage Damage
a) Property Irregularity Report
b) Letter from airline confirming the damage and their offer of compensation
c) Photographs depicting the damage
d) Original quotation or receipt for repair
e) Original purchase receipt of the damaged luggage

Trip Cancellation & Trip Curtailment
a) Original invoice and payment receipts confirming the full amount paid
b) Tour Fare breakdown charges & travel itinerary
c) Letter from Travel agent confirming the refund amount. If nil refund, to state reason
d) If the cause of cancellation/curtailment is due to medical condition of an immediate family member, to provide Proof of relationship, e.g. birth certificate or marriage certificates. If due to death, also enclose the Death Certificate.
e) Medical Report and to provide details of all normal attending physicians.

Loss of Travel Document
a) Original receipts for additional hotel accommodation, land transportation cost & communication expenses
b) Original police report & official translated copy of the report, if report is not in English
c) Insured’s account on the exact description of the incident
d) Loss of Money
e) Original Police report obtained at the place of loss
f) Official translated police report, if report is not in English.
g) Insured’s account on the exact description of the incident

Are You Fit to Fly?

The Malaysian Society of Infectious Diseases and Chemotherapy has published a very informative booklet on preventive measures for travelers.

Fit to Fly by Malaysian Society of Infectious Diseases & Chemotheraphy

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