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Listed below here are the typical coverages in included in a Travel Insurance Package. This list is used as a reference only.

1) PERSONAL ACCIDENT

2) MEDICAL & OTHER EXPENSES
Insurer will reimburse the actual necessary and reasonable medical, surgical or hospital charges and emergency dental treatment charges incurred as result of accidental bodily injuries, illness or death during the journey.

3) HOSPITAL INCOME
If you are admitted to a registered hospital outside your home country due to accidental bodily injury or illness sustained during the journey, Insurer will pay you allowance usually ranging from RM 200 to RM 450 a day, for up to 20-30 days.

4) EMERGENCY MEDICAL EVACUATION AND REPATRIATION
Insurer will arrange evacuation and make the necessary transportation arrangements to the nearest hospital when medically appropriate. Insurer will also arrange repatriation of the mortal remains if death should occur outside the home country.

5) LUGGAGE AND PERSONAL EFFECTS
Insurer will pay or reimburse for loss and/or damage to your luggage and personal effects subject to a maximum limit that varies from insurer to insurer for single article, pair or set of article except notebook, also subject to a pre-agreed limit.

6) LUGGAGE DELAY
If your luggage is delayed for more than 8 hours from the time of travel at scheduled destination outside your home country during the journey, Insurer will reimburse you for purchases of essential items such as toiletries and clothing.

7) PERSONAL MONEY
Insurer will pay for your loss of cash and travellers’ cheques due to robbery or theft during the journey outside your home country.

8) TRAVEL DOCUMENTS
In the event of robbery or theft of your passport and/or travel tickets outside your home country, Insurer will reimburse necessary additional accommodation and travelling expenses incurred in obtaining the new permit to continue your journey.

9) CANCELLATION
Insurer will reimburse your necessary pre-paid (non-refundable) expenses in your home country if your planned trip is cancelled due to illness, accidental bodily injury, death or fortuitous cause beyond your control to you and/or your immediate family.

10) CURTAILMENT
If you need to curtail the trip due to accidental bodily injury, illness or death of your immediate family or travelling companion, Insurer will pay the non-refundable part of your trip in proportion to the unused days paid in your home country.

11) TRAVEL DELAY
In the event of the scheduled carrier in which you are booked to travel is delayed, Insurer will compensate for the delay at each destination, with a pre-agreed limit.

12) MISSED TRAVEL CONNECTION
In the event of your confirmed onward scheduled aircraft, sea vessel or train is misconnected and your next transportation is made available after 8 hours, Insurer will compensate you a certain amount for the inconvenience.

13) TRAVEL OVERBOOKED
If your confirmed scheduled aircraft, sea vessel or train is overbooked, Insurer will compensate you a certain amount if there is no alternative transportation made available to you for more than 8 hours.

14) MISSED DEPARTURE
If as a result of failure of public transport services to get you to the departure port, airport or train station (as stated in your ticket) during the initial departure from home or from the place outside your home country, Insurer will reimburse the necessary and reasonable accommodation and travel costs incurred.

15) ADDITIONAL COSTS OF RENTAL CAR RETURN
If you are unable to return a hired car due to accident or hospitalization, Insurer will reimburse you for additional costs of rental car incurred.

16) PERSONAL LIABILITY
Insurer will pay for your legal liability to third parties for injury and/or loss of or damage to property.

17) 24-HOUR TRAVEL WORLDWIDE ASSISTANCE
Insurer will provide the following benefits:
(i) Pre-travel Advice on visa and vaccination requirements.
(ii) Medical Assistance in an emergency or if an evacuation or repatriation is required.
(iii) Travel Assistance pertaining to lost luggage, passports, money and credit cards.