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Travel
Insurance Info |
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TRAVEL INSURANCE |
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SmartTraveller is designed the way travellers want a travel insurance
to be - with immediate activation,
comprehensive coverage and 24 hour
emergency assistance wherever you
are in the world.
- You can choose between
the VIP and Classic Plans
or enjoy greater savings
under the Family Plan
when you travel with your
loved ones.
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| SUMMARY OF BENEFIT |
LIMIT
PER
PERSON/
EVENT |
SUM INSURED (RM) |
|
VIP PLAN |
|
| PERSONAL
ACCIDENT |
Individual |
Family |
Individual |
Family |
Accidental
death
Permanent
disablement |
Per
adult
Per child
Per family
Per
adult
Per child
Per family |
200,000
25,000
-
200,000
200,000
-
|
200,000
25,000
450,000
200,000
200,000
450,000
|
100,000
10,000
-
100,000
100,000
-
|
100,000
10,000
220,000
100,000
100,000
220,000
|
| MEDICAL
& OTHER EXPENSES |
Medical,
Hospital & Treatment
Expenses
Reimburses expenses (including
cost of emergency dental treatment)
incurred during accident or
sickness |
Per
adult/ child
Per family |
300,000
- |
|
|
|
|
Excess each and every claim: Area 1 - RM50 Area
2 & 3 - RM100 |
Repatriation
of Mortal Remains
Pays for the cost of burial
or cremation in the locality
where death occurs or the
expenses of transporting the
mortal remains back to Malaysia |
Per adult/ child
Per family
|
5,000
-
|
5,000
15,000
|
5,000
-
|
5,000
15,000
|
|
Subject
to Medical, Hospital &
Treatment Expenses limit |
Compassionate
Visitation Benefit
Pays for additional expenses
of one relative or friend
required on medical advice
to travel or remain behind
with you |
Per adult/ child
Per family |
5,000
- |
5,000
15,000
|
5,000
-
|
5,000
15,000
|
|
Subject
to Medical, Hospital &
Treatment Expenses limit |
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Child
Care Benefit
Pays for additional
expenses of one relative
or friend required on medical
advice to travel or remain
behind with you |
Per day
Per event
|
500
5,000
|
500
15,000
|
500
5,000
|
500
15,000
|
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Subject
to Medical, Hospital &
Treatment Expenses limit |
Follow-up
Treatment
Reimbursement for follow-up
treatment within 3 months
upon return to Malaysia |
Per adult/child
Per family |
30,000
-
|
30,000
90,000
|
30,000
-
|
30,000
90,000
|
|
Subject
to Medical, Hospital &
Treatment Expenses limit |
Emergency
Medical Evaluation/
Repatriation
Emergency transportation
and medical care en route
to move you (in a medical
critical condition) to the
nearest hospital |
Per event |
Unlimited |
Unlimited
|
Unlimited
|
Unlimited
|
| HOSPITAL
ALLOWANCE |
| Pays
for each complete day you
are confined in a hospital
on top of medical costs incurred
(RM350 per day) |
Per
adult/ child
Per Family |
7,000 |
7,000
21,000
|
- |
- |
| TRAVEL INCONVENIENCE |
Baggage and Personal Effects
Pays for loss of or damage
to your baggage, including
articles worn or carried (up
to RM500 for any one article
or pair or set of articles)
|
Per adult/ child
Per family
|
5,000
|
5,000
15,000
|
-
|
-
|
|
Excess
each and every claim: RM50 |
Personal
Money & Documents
Pays for travel and accommodation
expenses including cost of
obtaining replacement passports,
travel tickets and other relevant
travel documents. Loss of
money due to theft is covered
up to RM750 |
Per adult/ child
Per child |
5,000
-
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5,000
15,000
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-
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-
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Excess
each and every claim: RM50 |
Baggage
Delay
Reimburses for purchase
of essential items if your
baggage is delay for 8 consecutive
hours |
Per adult/ child
Per family |
500
-
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500
1,500
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-
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-
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Personal
Liability
Indemnifies you for legal
liability towards third parties
or damage to their property
due to your negligence |
Per adult/ child
Per family |
1 million
-
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1 million
3 million
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-
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-
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Travel
Delay
Pays if your conveyance
is delayed from the scheduled
departure time for each
full 8 consecutive hours
delay (RM200 per hours)
Reimburses
on top of the above limits
for irrecoverable deposits
or charges paid for the
cancelled parts of the trip
due to the above |
Per adult/ child
Per family
Per
adult/ child
Per family |
|
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-
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-
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Loss
of Deposit or Cancellation
Reimburses for unrecoverable
travel and accommodation expenses
paid in advance. Cover is
effective upon issuance of
certificate |
Per adult/ child
Per family |
15,000
-
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15,000
45,000
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-
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-
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Curtailment
Reimburses for forfeited
prepaid travel cost or additional
travel and accomodation expenses
incurred, if it is necessary
and unavoidable to curtail
your trip |
Per adult/ child
Per family |
15,000
-
|
15,000
45,000
|
-
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-
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Overbooked
Flight
Reimburses for expenses
incurred for additional accomodation,
meals or refreshments |
Per adult/ child
Per family |
200
-
|
200
600
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-
|
-
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Flight
Misconnection
Reimburses for expenses
incurred for additional accomodation,
meals or refreshments |
Per adult/ child
Per family |
200
-
|
200
600
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-
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-
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Hijacking
Inconvenience
Pays for each full 24
consecutive hours of hijack
(RM300/ 24 hours) |
Per adult/ child
Per family |
900
-
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900
2,700
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-
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-
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Home
Care Benefit
Pays for your damages
to your home contents as a
result of fire when your house
is left vacant while you are
travelling |
Per adult/ child
Per family |
1,000
-
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1,000
3,000
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-
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-
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VIP Plan
|
DAYS |
AREA
1 |
AREA
2 |
AREA
3 |
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Family
(RM) |
Individual
(RM) |
Family
(RM) |
Individual
(RM) |
Family
(RM) |
| 1 to 5 |
29 |
69 |
40 |
99 |
50 |
130 |
| 6 to 10 |
44 |
107 |
59 |
139 |
80 |
194 |
| 11 to 18 |
60 |
167 |
90 |
229 |
116 |
300 |
| 19 to 31 |
70 |
218 |
108 |
320 |
161 |
415 |
| Each additional week thereafter |
18 |
40 |
30 |
75 |
40 |
100 |
Classic Plan
|
Days |
AREA
1 |
AREA
2 |
AREA
3 |
|
|
Family
(RM) |
Individual
(RM) |
Family
(RM) |
Individual
(RM) |
Family
(RM) |
| 1 to 5 |
17 |
41 |
25 |
60 |
31 |
76 |
| 6 to 10 |
26 |
62 |
36 |
84 |
49 |
116 |
| 11 to 18 |
36 |
91 |
53 |
125 |
71 |
167 |
| 19 to 31 |
43 |
131 |
69 |
175 |
103 |
239 |
| Each additional week thereafter |
14 |
30 |
22 |
50 |
28 |
70 |
Travel from Malaysia to:
Area 1: Singapore, Brunei, Thailand,
Indonesia, Philippines, Myanmar,Cambodia,
Laos China, India, Japan Korea,
Pakistan, Sri Lanka, Taiwan, Vietnam,
Hong Kong or Macau and travel from
Peninsular Malaysia to East Malaysia
or vice versa.
Area 2: Worldwide excluding USA/Canada
Area 3: Worldwide including USA/Canada
- Special Coverage
Terrorism (except use of chemical
and or biological substances),
scuba diving and winter sports
are covered.
- 24-hour Free hotline service
- (603) 2053 5771
Medical and emergency assistance
hotline is available for you to
call on reserve charge anywhere
in the world - we are just a phone
call away!
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| Click here to read our SmartTraveller Policy
Wording. |
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- Who is eligible to apply?
All Malaysians, Permanents Residents,
Employments Pass/Work Permit Holders
and Dependents(s) of Pass Holders.
- Who
is eligible to be covered under
the family plan?
The plans includes you, your spouse
and all your children.
- What
is the maximum age limit?
As long as you are 80 years old
and below, you are eligible to
enrol. A child must be below 18
years old or up to 23 years old,
if he/she is a full time student
in a recognised institution of
higher learning.
- Can a
child buy a separate Individual
Plan even if he is accompanied
by an insured adult?
Yes, 50% of the individual plan
premium will be charged for him.
- Is there
a maximum period of cover?
The maximum period of cover is
180 days.
- Under
what circumstances is an applicant
allowed to take up a 'One Way'
trip?
It is
only applicable to those who are
emigrating or students going oversea
for education. Any stop overs
should not exceed one month.
- When
will my insurance terminate on
a 'One Way Trip?
The 'One Way' trip will terminate
72 hours (3 days) from the scheduled
time of arrival at the final destination.
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| SmartTraveller Annual is designed the way travellers want a travel insurance
to be for business and leisure
trips - with immediate activation,
comprehensive coverage and
24 hour emergency assistance
wherever you are in the world.
|
|
 |
|
SUMMARY OF BENEFITS
|
SUM INSURED
(RM) |
| PERSONAL
ACCIDENT |
Accidental
death
Permanent disablement |
200,000
200,000 |
| MEDICAL
& OTHER EXPENSES |
Medical,
Hospital & Treatment Expenses
Reimburses expenses (including
cost of emergency dental treatment)
incurred during accident or
sickness |
300,000
|
|
Excess each and every claim: Area 1 - RM50 Area
2 & 3 - RM100 |
Repatriation
of Mortal Remains
Pays for the cost of burial
or cremation in the locality
where death occurs or the
expenses of transporting the
mortal remains back to Malaysia |
5,000
|
|
Subject
to Medical, Hospital &
Treatment Expenses limit |
Compassionate
Visitation Benefit
Pays for additional expenses
of one relative or friend
required on medical advice
to travel or remain behind
with you |
5,000
|
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Subject
to Medical, Hospital &
Treatment Expenses limit |
|
Child
Care Benefit
Pays for additional
expenses of one relative
or friend to take care of
your children whilst you
are hospitalised |
500 per day
5,000 per
event
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Subject
to Medical, Hospital &
Treatment Expenses limit |
Follow-up
Treatment
Reimbursement for follow-up
treatment within 3 months
upon return to Malaysia |
30,000
|
|
Subject
to Medical, Hospital &
Treatment Expenses limit |
Emergency
Medical Evaluation/Repatriation
Emergency transportation
and medical care en route
to move you (in a medical
critical condition) to the
nearest hospital |
Unlimited per event
|
| HOSPITAL
ALLOWANCE |
| Pays
for each complete day you
are confined in a hospital
on top of medical costs incurred
(RM350 per day) |
7,000 |
| BAGGAGE AND PERSONAL EFFECTS |
| Pays
for loss of or damage to your
baggage, including articles
worn or carried (up to RM500
for any one article or pair
or set of articles)
|
5,000 |
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Excess each and every claim: RM50 |
|
PERSONAL
MONEY & DOCUMENTS |
Pays
for travel and accommodation
expenses including cost of
obtaining replacement passports,
travel tickets and other relevant
travel documents. Loss
of money due to theft is covered
up to RM750 |
5,000 |
|
Excess each and every claim: RM50 |
| BAGGAGE
DELAY |
| Reimburses for purchase of essential items if
your baggage is delay for
8 consecutive hours |
500 |
| PERSONAL
LIABILITY |
Indemnifies
you for legal liability towards
third parties or damage to
their property due to your
negligence
|
1 million |
| TRAVEL
DELAY |
|
Pays
if your conveyance is delayed
from the scheduled departure
time for each full 8 consecutive
hours delay (RM200 per 8
hours)
Reimburses
on top of the above limits
for irrecoverable deposits
or charges paid for the
cancelled parts of the trip
due to the above |
2,000
500 |
| LOSS
OF DEPOSIT OR CANCELLATION |
| Reimburses
for unrecoverable travel and
accommodation expenses paid
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