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Travel Insurance is a comprehensive insurance plan for domestic and overseas travel. 
The major benefits provided are medical related benefits, personal accidents benefits, travel inconvenience & other travel-related benefits and 24-hours worldwide travel assistance. 
Additionally, you can choose to purchase our optional rider benefit which extends your coverage to include your golfing equipments and your participation in special sports such as winter sports activities & scuba diving.

The premium varies depending on your choice of plan, destination and duration of cover selected. 
Premiums are inclusive of Service Tax (ST) of 8% and is applicable for Domestic trips. 

You can buy your Travel Insurance in any of the following method:

1. Buy online on our website; or
2. Locate & contact an agent to buy

(a) A Malaysian citizen, Malaysian permanent resident, or a holder of a valid work permit or employment pass (of which your place of employment must be in Malaysia during the policy period), dependent pass, student pass or long-term social visit pass not including travelling visa (that is issued by the relevant governmental authority in Malaysia), with full rights to enter into and return to Malaysia regardless of medical status;
(b) You must be returning to your home (primary residence within Malaysia) at the end of your travel, or be intending to return home on completion of your travel;
(c) Your travel pre-arrangements must be made and paid for in Malaysia prior to your trip and your trip must commence in Malaysia; and
(d) You need to be a resident in Malaysia.

Any residents of Cuba, Iran, Syria, North Korea or the Crimea region will not allowed to purchase this policy.

Importance of disclosure: 

i. You must disclose all material facts which will affect the risk profile such as your age and occupation.
ii. Any fraud, deliberate misrepresentation of material facts or non-disclosure of information in connection with the application for this policy or when making a claim will invalidate the policy and any benefit due will be forfeited and any benefit that has previously been paid must be repaid to us in full.

(a) Travel Cancellation Per Trip plan – 24 hours from the purchase of the policy, unless due to an accident in which cover commences from the policy purchase date. Annual plan – 24 hours from the purchase of the policy or after travel is booked whichever occurs later, unless due to an accident in which cover commences from the travel booking date. Cancellation of a scheduled trip due to death, permanent total disablement or hospitalization must occur within 60 days prior to your original scheduled departure and for other covered events, it must occur within 14 days prior to your original scheduled time of departure. 

(b) Travel Delay and Accidental Death & Disablement within 12 hours prior to departure from Malaysia. 

(c) All other benefits upon departure from Malaysia.

Yes. For one-way travel, coverage terminates 5 days upon your departure from Malaysia.

If you are covered by more than one policy, we will cover you based on the policy which provides the highest benefit level.

Our Special Sports rider (optional) extends your coverage if you choose to participate in winter sporting activities & scuba diving (up to 30m), with the proper conduct, guidance and supervision by a licensed operator.*

*Does not involve engaging, practicing or participating in a semi-professional or in a professional capacity or where income or remuneration can be earned from in such sports.

Sum insured listed in the schedule of benefit is payable based on per incident.

Please call our 24 Hours, 7 Days worldwide travel assistance at +603-2772 5600. 
You may reverse charge the call where this service is available. 

If you are unable to do so during an emergency, seek treatment first, and contact our worldwide travel assistance at +603-2772 5600 as soon as possible.

It refers to the legal spouse, child, parent and their siblings, parent-in-law, grandparent, grandparent-in-law, grandchild, sibling, sibling-in-law, niece or nephew of the insured.

If you are traveling to multiple destinations within the same trip, you can be covered under one policy.

No refund of premium is allowed once the policy has been incepted.

Please click here to view our 3 easy steps to make a claim.

It takes 30 working days to process a claim, upon receiving complete documentation and provided that there is no further information or investigation required.

Lodge a report and seek compensation from the airline. You may file in your claim for the loss not compensated by the airline.

No. We do not cover any pre-existing condition occurring within 1 year prior to the policy effective date.

Yes. If you suffer from a disability while travelling on an overseas trip and subsequently seek follow-up treatment in Malaysia, we will reimburse the medically necessary expenses incurred within 30 days upon arrival to Malaysia, subject to the medical expenses limit specified in the schedule of benefit (available for Standard and Deluxe plan only).

Yes, only if the treatment is sought within 24 hours from the date of arrival in Malaysia. We will reimburse the medically necessary expenses incurred within 30 days upon arrival to Malaysia, subject to the medical expenses limit specified in the schedule of benefit (available for Standard and Deluxe plan only).

No, dental expenses and pregnancy-related matters are not covered, unless they are direct consequences of an accident.

You will be covered for additional cost of travel and accommodation up to an amount of RM 1,000 and/or unused and non-refundable expenses which is paid in advance and not recoverable from any relevant parties.

No, we do not cover for loss of baggage left unattended in any public place, as the policy excludes any failure of the insured to take reasonable efforts to safeguard his/her property.

Yes, travel cancellation covers any event below which occurs within 14 days prior to original scheduled departure which:

(a) leads to widespread violence;

(b) is not due to reasons for purposes of asserting sovereign rights and/or operating on behalf of a sovereign state;puts your life in danger; and

(c) following the advise and/or warning of the Malaysian government or the government of the destination country declaring unsafe conditions for travel through or by general mass media. 

However, this policy excludes strikes or events due to an act of war, assertion of sovereignty, insurrection, revolution and use of military power.

Yes. You must make a report to the local police within 24 hours after the incident. Please click here to view our 3 easy steps to make a claim.

Yes. You must make a report to the local police within 24 hours after the incident. Please click here to view our 3 easy steps to make a claim.

Yes. Natural disasters including but not limited to volcanic eruption, flood, earthquake, tsunami, hurricane or wildfire are covered events under our policy.

If you transit in Australia with no stop over, you may purchase a Cluster 2 plan.

If you transit in Australia with a minimum stop over of 1 night because there is no connecting flight, you may purchase a Cluster 3 plan.

A child (aged between 30 days and above and up to 18 years) can purchase an individual policy but the policy must be issued under a parent or legal guardian’s name, i.e. on the life of (OTLO) the child’s name.

For example:

“Jack Tan OTLO Tan Mei Mei”.

The payable premium for a child is the same as for an adult.

Under the Family plan, a child is entitled to 25% of the Accidental Death and Permanent Disablement benefit and all other benefits are payable at 100%.

No. You must purchase the policy prior to your scheduled departure.

Coverage shall be extended at our sole discretion for up to 30 days from the expiry of the period of insurance without payment of any additional premium if you are hospitalized and/or quarantined overseas as recommended by a doctor or as a result of any circumstances beyond your control which is deemed reasonable by us prohibiting your return to Malaysia prior to the insurance expiry.

It covers you for any loss or damage to your golfing equipment and hole-in-one expenses.

Cover is worldwide except for United States of America and/or Canada and to countries where such payment would violate any prohibition or regulation or sanction that has been imposed by the Malaysian Government, the American Government and/or the United Nations.