INDICATIVE GROSS INSURANCE PREMIUM (MYR)
SCHEDULE OF BENEFITS
INTERNATIONAL TRAVEL PERSONAL ACCIDENT (in MYR)
|
Benefits |
Plan 1 (MYR) |
Plan 2 (MYR) |
Plan 2 (MYR) |
| Section 1 : Personal Accident | |||
| Accidental Death | |||
|
Adult – Child – Senior Citizen – Pays compensation in the event of death of the Insured Person due to accident. |
200,000 100,000 100,000 |
300,000 150,000 150,000 |
500,000 250,000 250,000 |
| Permanent Disablement | |||
|
Adult – Child – Senior Citizen – Pays compensation in the event of permanent disablement of the Insured Person due to accident. |
200,000 100,000 100,000 |
300,000 150,000 150,000 |
500,000 250,000 250,000 |
| Section 2 : Medical Benefit | |||
| Overseas Emergency Medical or Hospitalization Expenses | |||
|
Adult – Child – Senior Citizen – Pays for the cost of medical, surgical or hospital charges if you suffer injury or illness whilst traveling overseas. |
300,000 150,000 150,000 |
500,000 250,000 250,000 |
700,000 350,000 350,000 |
|
Emergency Dental Expenses Pays for the cost of dental treatment due to an accident injury. |
500 |
500 |
500 |
| Follow-up Treatment | |||
|
Adult – Child – Senior Citizen – Pays for the cost of continue medical treatment in Malaysia after return to Malaysia. |
30,000 15,000 15,000 |
50,000 25,000 25,000 |
70,000 35,000 35,000 |
|
Alternative Treatment Pays for the treatment of an injury by herbalist, acupuncturist, chiropractor and/or similar traditional treatment in Malaysia. |
1,000 |
1,500 |
2,000 |
|
Hospital Income Pays a daily allowance if you suffer injury or illness and are hospitalized. |
250 /day Maximum 7,500 |
300 /day Maximum 9,000 |
350/ day Maximum 10,500 |
|
Compassionate Visit by Family Member Pays for the hotel accommodation and travel expenses for one (1) person to visit and stay with Insured Person during his/her confinement in the hospital. |
5,000 |
7,000 |
10,000 |
|
Child Care If Insured Person is hospitalized and there is no other adult to accompany the dependent child and children, we will pay for additional hotel accommodation and travel expenses incurred for one (1) person to accompany Insured Person’s child/children back to Malaysia. |
5,000 |
7,000 |
10,000 |
|
Despatch of Essential Medicine Pays for the despatch of necessary medicine not available locally in case of emergency and when local laws, rules and regulations allow such despatch. |
3,000 |
3,000 |
3,000 |
| Section 3 : Emergency Evacuation and Repatriation | |||
|
Emergency Medical Evacuation and Repatriation In the event that Insured Person is hospitalized abroad and it is medically necessary for Insured Person to be evacuated to the nearest qualified medical facility, we will pay for the expenses incurred for the medical evacuation and the cost of repatriating Insured Person back to Malaysia. |
Unlimited |
Unlimited |
Unlimited |
|
Repatriation of Mortal Remains If Insured Person suffered accidental death overseas whilst traveling, we will arrange and pay for the return of the mortal remains to Malaysia. |
Unlimited |
Unlimited |
Unlimited |
| Section 4 : Travel Inconvenience | |||
|
Loss of Luggage and Personal Effects Reimbursement for loss or damage to baggage and personal effects during the trip |
5,000 |
7,000 |
10,000 |
|
Loss of Documents Reimbursement for travel and accommodation expenses including cost of obtaining replacement passports, travel tickets and other relevant travel documents. |
5,000 |
7,000 |
10,000 |
|
Loss of Personal Money Pays for loss of money and travellers cheque due to theft. |
750 |
800 |
1,000 |
|
Travel Delay Pays if the scheduled carrier is delayed, cancelled, rescheduled from the scheduled departure time due to adverse weather conditions, industrial strike, mechanical breakdown or structural defect of the carrier. |
250 /6 hours Maximum 2,000 |
300 /6 hours Maximum 3,000 |
350 /6 hours Maximum 4,200 |
|
Luggage Delay Pays if your checked-in baggage is delayed upon arrival at your destination abroad |
250 /6 hours Maximum 1,000 |
300 /6 hours Maximum 1,200 |
350 /6 hours Maximum 1,400 |
|
Travel Overbooked Pays due to overbooked common carrier and no alternative transportation is made available to you. |
500 |
1,000 |
1,500 |
|
Travel Reroute Pays if the arrival of the scheduled carrier is delayed for at least 6 hours due to rerouting. |
500 |
1,000 |
1,500 |
|
Missed Departure Reimburses for additional accommodation and travel expenses necessarily and reasonably incurred in returning to Malaysia, as a result of mechanical breakdown or public transport services, to get you to the departure port, airport or train station, as stated in your ticket |
500 |
1,000 |
1,500 |
|
Travel Misconnection Pays due to common air carrier misconnection and no alternative transportation is made available to you within 6 hours. |
250 /6 hours Maximum 1,000 |
300 /6 hours Maximum 1,500 |
350 /6 hours Maximum 1,750 |
|
Travel Curtailment Reimbursement the unutilized portion of cost of air tickets that you have paid of the same or similar class, if you have to curtail your Trip for immediate return to the Malaysia. |
20,000 |
25,000 |
30,000 |
|
Travel Cancellation |
20,000 |
25,000 |
30,000 |
|
Hijacking Pays in the event of hijacking of the carrier in which you are travelling as a passenger, causing interruption of your journey and flight delay for more than 6 (six) hours of your scheduled flight. |
250 /6 hours Maximum 1,000 |
250 /6 hours Maximum 1,000 |
250 /6 hours Maximum 1,000 |
|
Personal Liability Indemnifies you for legal liability towards third parties or damage to their property due to your negligence. |
500,000 |
1,000,000 |
1,000,000 |
| Section 5 : Additional Benefits | |||
|
Home Care Compensate for loss and damages to Insured Person’s home contents as a result of fire and/or burglary. |
1,000 |
2,000 |
3,000 |
|
Fraudulent usage of Credit Card Compensate financial loss whilst overseas due to unauthorized charges being made from Insured Person’s credit payment card. |
1,000 |
2,000 |
3,000 |
|
Car Rental Excess Charges Compensate for any excess charges which Insured Person is liable due to the loss or damage caused by an accident to the rental car. |
1,000 |
1,500 |
2,000 |
|
Pet Care Compensate for the cost of Pet Hotel for which Insured Person is unable collect the pet due to delay of scheduled carrier or Insured Person is hospitalized. |
300 |
500 |
800 |
|
Terrorism Covers for bodily injuries, death and permanent disablement sustained as a result of an act of terrorism and the Insured Person has no direct or indirect participation in the act. |
As Per Relevant Sections of Benefits | ||
|
Special Extended Period In the event of delay beyond your control as a ticket holding passenger on a scheduled public transport as a result of: 1. Your serious illness or accidental bodily injury, or 2. The public transportation services in which you are travelling being unavoidably delayed during your trip and the return journey cannot be completed within the Period of Insurance indicated in the Policy Schedule. |
The Period of insurance shall be automatically extended for up to 7 days without additional premium for such period as is reasonably necessary for the completion of the journey, provided that either of the above events is admissible under this insurance in the first instance and you have documented proof of the reasons for the delay. |
||
| Section 6 : 24 Hour Emergency Assistance Services | |||
|
24 Hour Travel Assistance |
Included |
Included |
Included |
|
24 Hour Medical Assistance |
Included |
Included |
Included |