Intl' Travel PA - Schedule of Benefits

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INDICATIVE GROSS INSURANCE PREMIUM (MYR)

Single Trip

No. of Days	Plan 1			Plan 2			Plan 3
No. of Days	Individual	Individual & Spouse	Family	Individual	Individual & Spouse	Family	Individual	Individual & Spouse	Family

Asia
1 – 5	28	50	83	33	60	99	45	82	136
6 – 10	40	72	120	48	86	144	66	119	198
11 – 18	60	108	181	72	130	216	99	178	296
19 – 31	75	135	225	90	162	269	123	222	369
Each Week	19	34	57	23	41	68	31	56	93
One Way	24	43	72	29	52	86	40	71	119
Worldwide 1 (WW1)
1 – 5	39	71	118	47	85	141	65	116	194
6 – 10	57	103	171	68	123	205	94	168	281
11 – 18	86	154	257	102	184	307	140	252	421
19 – 31	107	192	320	127	229	382	175	315	525
Each Week	27	48	80	32	58	96	44	79	132
One Way	34	62	103	41	74	123	56	101	168
Worldwide 2 (WW2)
1 – 5	51	91	152	61	109	182	83	150	249
6 – 10	73	132	220	88	158	264	121	217	362
11 – 18	110	198	331	132	237	395	181	325	542
19 – 31	137	247	412	164	296	493	225	406	676
Each Week	35	62	104	41	74	124	57	102	170
One Way	44	79	132	53	95	158	72	130	217

Annual Plan

	Plan 1			Plan 2			Plan 3
	Asia	WW1	WW2	Asia	WW1	WW2	Asia	WW1	WW2
Individual Only	164	232	299	196	278	358	276	392	505

Permitted Age
Adult	18-70 years old
Senior Citizen	71-80 years old
Children	30 days – 18 years, or if full-time students up to maximum of 25 years old

Excluded Occupations
Flight crew (except as a passenger), seagoing vessel crew (except as a passenger), train crew (except as a passenger), mine workers, oil rig workers, aerial photographers, workers handling explosives and personnel of navy, military, air force, law enforcement or civil defense services or operation.

Excluded Country
Afghanistan, Iran, Iraq, Syria, Belarus, Cuba, Democratic Republic of Congo, North Korea, Lebanon, Liberia,Somalia, Sudan, South Sudan and Zimbabwe.

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 Reimbursement of irrecoverable travel accommodation expenses paid in advance provided that the insurance is purchased not less than 14 days prior to the commencement of the scheduled trip.	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