Travel Insurance In Malaysia Online

Travel insurance In Malaysia Online is a comprehensive insurance plan for domestic and overseas travel. The major benefits provided are medical-related, 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 equipment and your participation in special sports such as winter sports activities & scuba diving.

• How do I buy my travel insurance In Malaysia Online?

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

  1. Buy online on our website.
  2. Locate and agent an agent to buy.

• Who is eligible to purchase travel insurance online Malaysia??

An individual who travels domestically within Malaysia or overseas for leisure and/or business. However, we do not cover directly or indirectly from planned or actual travel in, to, or through Cuba, Iran, Syria, North Korea, or Crimea Region.

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

• What are some of the key terms and conditions that I should be aware of?
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.

• Benefit of travel insurance online Malaysia:-

Comprehensive coverage

We provide you with coverage for overseas medical expenses, trip cancellation, travel interruptions, and delays, emergency medical expenses, medical evacuation costs, and lost, damaged, or delayed baggage.

Trip cancellation cover

Don’t worry about the costs of transport & accommodation due to your trip cancellation. We’ll reimburse you the non-refundable expenses if your trip is canceled due to specific events, within a specific time before your departure date.

Travel Inconvenience

We provide you coverage for travel inconveniences such as travel delays, loss, or damage to your personal belongings, including your checked-in baggage.
Medical & personal accident cover
You can get up to RM1 million for overseas medical expenses and up to RM300,000 for personal accidents, depending on the product and plan you purchase. Our travel assistance team is on call by phone to provide you emergency travel assistance, ensuring you receive appropriate medical care.

Natural disasters

We will pay for travel inconveniences related expenses against natural disasters such as earthquakes, floods, and volcano eruptions, occurring in the country of travel.

Our own global assistance service

We have a fast and efficient 24-hour Emergency Assistance Team available to assist you in the event of injury following an accident or if you are ill and require hospital attention abroad.

• Best Travel Insurance Online Malaysia Offers:

•Allianz Travel Care Travel Insurance
•SOMPO Travel Plus Basic Travel Insurance
•SOMPO Travel Plus Elite Travel Insurance
•Zurich TravelPAC Silver Plan Travel Insurance
•AXA Affin Smart Traveller Plan Classic Travel Insurance
•Pacific Insurance Travel Pro Insurance Silver Travel Insurance
•AIG Student Assist Classic Travel Insurance
•AIG Student Assist Premier Travel Insurance

• How Does Travel Insurance Work?

Buying a travel insurance policy means you pay a premium to the insurance company to be covered against specific events for a fixed period (i.e. your travel period).

Travel insurance usually functions on a claims and reimbursement basis. You need to file a claim to the insurance company, which will then reimburse you for the amount you are covered for. To file a claim, you will have to submit proof of whichever event you are claiming for (delayed flights, lost luggage, medical treatment receipts, etc). The insurance company will then get it verified and reimburse you according to what your purchased travel insurance policy covers.

Travel insurance is designed to cover unforeseeable events. However, the timing of your travel insurance purchase is crucial.

Let’s say you’ve made plans to travel to a destination and made the necessary reservations and payments including travel insurance. Suddenly, an announcement is made that a tropical storm will hit your destination during your travel dates, resulting in flight cancellations and rendering all reservations and bookings you’ve made for the trip burned. But, since you bought travel insurance before the announcement of the storm, you will be covered for all costs of the holiday. If you bought travel insurance after the storm was announced, you won’t be covered for any storm-related losses whatsoever.

• Why Should I Get Travel Insurance?

Having travel insurance is like having a safety net to make sure that you’re covered financially if something goes wrong while you’re traveling. With travel insurance, you will receive financial compensation to help you with things like buying a new flight ticket, or for medical care overseas, which is usually costly. All things considered, travel insurance offers substantial benefits that outweigh the premiums you pay.

•How to Choose A Travel Insurance online Malaysia Plan?

The technical jargon found in insurance policies can be overwhelming and confusing, so here is a guide to help you understand some of the commonly used terms:

  1. Duration of travel – Annual Plan or Single Trips
  2. Destination – Domestic or Overseas
  3. Number of Insured Persons – Individual or Family
  4. Coverage & Exclusions – What is Covered and Not Covered?

• Medical Expenses Arising from Accident or Illness

The probability of falling sick is higher when you are traveling due to differences in temperature, environment, food, and water. If you get seriously sick or hurt in another country, your travel insurance will cover your medical bills. Furthermore, some travel companies also provide around-the-clock 24-hour telephone assistance. You could use this helpline to locate the nearest medical facility and more.

Do note that travel insurance policies usually function on a reimbursement basis where it is a “pay first, claim after” policy. This means that you have to foot the medical bills first, then submit your claim to the insurance company once you return to Malaysia. However, some travel insurance offers cashless hospitalization, such as Etiqa TripCare 360 Takaful. Cashless hospitalization means that the insurer will provide a guarantee letter with just one phone call to their hotline so that you can be admitted to the hospital without having to fork out any payment from your pocket. Every insurance policy is different, so do read your insurance policy terms carefully.

• Emergency Medical Evacuation and Repatriation

In the event, you get seriously sick or hurt overseas and you need to be taken via helicopter or other emergency transportation to the nearest hospital due to the lack of appropriate care and facilities – you’re looking at a very hefty medical bill. But if you purchase a travel insurance policy that has such coverage, the travel insurance will cover this cost. However, it is important to read up on your insurance policy terms as in most cases, travel insurance such as AXA Affin Smart Traveller Annual Gold requires the insurer to be contacted in advance and the insurer also reserves the right to decide on the hospital to which you shall be transported to.

• How To Make A Travel Insurance online Malaysia Claim??

Do remember that travel insurance policies almost always function on a reimbursement basis. To get compensated for your loss or damages, you will have to submit proof of your losses, then the insurance company will get it verified and reimburse you according to what your purchased travel insurance policy covers.

That said, you must make sure that you contact your travel insurance’s 24-hour hotline service as soon as the incident takes place.

• How Do I Find the Right Travel Insurance online Malaysia Policy?

Travel insurance policies vary by plan. A great place to start is to focus on specific items which are important for your travels (apart from the standard coverage a travel insurance policy would provide). For example, if you are going to be renting a car for long road trips, you may want to consider buying a travel insurance plan that covers car rental excess charges so that you do not have to buy this cover separately.

Next, you can decide on how much premium you want to be paying. With a diverse range of policies available, you have room to select one that has the best balance between cost and coverage. So the cost of insuring your trip is entirely up to you.

To find and compare the best travel insurance plans available in Malaysia, you can check out our travel insurance page, where we have an extensive list of travel insurance policies available which is sorted by premium price. On top of that, we provide you with all the details you need to know and the option to apply for travel insurance right away too!

• Can I Cancel My Policy?

Insurers usually allow cancellation of the travel insurance at any time by giving them written notice. Termination will become effective on the date the notice is received or on the date specified in the notice, whichever is later. There usually won’t be any refunds, nonetheless, it is subjected to the terms and conditions of the travel insurance.

Travel Insurance Glossary:-

Accident – A sudden unforeseen and fortuitous event.

Certificate of Insurance – A certificate, which is issued after the applicable premium has been paid.

Premium – Payment which shall be deemed proof of the insurance coverage provided under this policy.

Child/Children – Unemployed and unmarried person under the age of 18 years old or up to 23 years old, if he/she is studying full-time in a recognized institution of higher learning.

Common Carrier – Any licensed registered public transportation services for people who travel as fare-paying passengers in vehicles as listed below:

a) Airport limousine, bus, coach, taxi, ferry, hovercraft, hydrofoil, ship, train, tram, or underground train; and

b) Any certified fixed-wing aircraft operated by a licensed airline or Chartered Flights and helicopters operating only between established and recognized commercial airports or licensed commercial heliports.

Epidemic – Any contagious disease outbreak which is classified by the World Health Organization (WHO) or Malaysia’s Ministry of Health.

Family – This refers to You, Your legal spouse, and any number of Your legal Children insured under the same Certificate of Insurance.

Hijack – Any unlawful violence and control of public transportation from the regular crew.

Home Contents – All belongings, household fittings, and fixtures you, your family, and your domestic helper who is permanently residing with you own (not your landlord’s). This excludes deeds, bonds, bills of exchange, promissory notes, cheques, travelers’ cheques, securities for money, documents of any kind, cash, currency notes.

Illness – This refers to the event when you get sick while traveling and shall exclude any Pre-Existing Medical Condition.

Immediate Family Member – This refers to Your spouse, Child, son-in-law, daughter-in-law, parent, parent-in-law, grandparent, grandparent-in-law, grandchild, brother, sister, brother-in-law, sister-in-law.

Injury – This is when you got yourself injured because of an Accident, excluding any Illness or Medical Disorder.

Loss of Limb – Severe physical loss of a hand at or above the wrist or a foot at or above the ankle.

Loss of Sight – Total and irreversible loss of sight.

Medical Practitioner – A qualified, licensed, and registered western medical practitioner who practices within the scope of his/her licensing and training in the geographical area of practice.

Mountain Sickness – This refers to an event also known as Acute Mountain Sickness (AMS), altitude illness, hypobaropathy, or soroche which is a pathological effect of high altitude on humans, caused by acute exposure to the low partial pressure of oxygen at high altitude.

Natural Disaster – This refers to an event that is due to natural causes and that has catastrophic consequences.

Overseas – Destination outside of Malaysia.

Overseas Travel – Travel either for leisure or business purpose to any destination outside of Malaysia.

Period of Insurance – Period specified in the Certificate of Insurance.

Permanent Total Disablement – Injury which lasted continuously for 12 calendar months from the date of the Accident, which entirely prevents employment or any hope of recovery.

Pre-Existing Medical Condition – Existing condition where you have received medical treatment within 12 months before the effective date of your travel insurance policy.

Serious Injury or Serious Illness – This refers to when you require medical treatment in the hospital and are certified by a Medical Practitioner as unfit to travel or continue with your planned trip.

Trip – The journey once you leave your house or office (whichever is later) to the airport in Malaysia for your flight to your intended destination. Remember to start your journey not more than 24 hours before booked departure time and that the trip ends on whichever of the following occurs first

The expiry of the Period of Insurance specified in the Certificate of Insurance;
Return to your home or office (whichever is earlier) in Malaysia; or
24 hours after arrival in Malaysia
Travel Agent – Licensed and registered travel agent in Malaysia with the relevant authorities.

We/Our/Us/Insurer – this refers to the travel insurance company.

You/Your/Insured Person – this refers to the Insured Person(s) shown in the Certificate of Insurance.

Hopefully, this article helped you learn more about travel insurance and finding the best travel insurance in Malaysia.

NOTE:- All the details on this page are collected from the internet, we do not claim 100% surety in this article, We haven’t provided these things from us, all are from the internet only. Thanks

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1 thought on “Travel Insurance In Malaysia Online”

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