 |
 |
| |
|
| SUM INSURED |
RM |
RM |
 |
| Benefits |
|
|
1.
|
Personal Accident
Accidental Death |
|
|
| |
• Per Adult |
200,000 |
200,000 |
|
|
| |
• Per Child |
25,000 |
25,000 |
|
|
| |
• Per Family |
|
475,000 |
|
|
| |
|
|
|
| |
Permanent Disablement
• Per Adult |
200,000 |
200,000 |
|
|
| |
• Per Child |
200,000 |
200,000 |
|
|
| |
• Per Family |
|
475,000 |
|
|
| |
|
|
|
| |
Child Education Fund |
7,500 |
7,500 |
|
|
| |
|
|
|
2.
|
Burial or Cremation and/or Repatriation Expenses
Reimbursement of burial or cremation expenses and/or repatriation of mortal
remains back home. |
|
|
| |
• Per Adult / Child |
5,000 |
5,000 |
|
|
| |
• Per Family |
|
15,000 |
|
|
| |
|
|
|
3.
|
Medical and Other Expenses
Reimbursement of the necessary and reasonable medical, surgical, and hospital charges, including emergency dental treatment resulting from injury, alternative medical, follow-up treatment, compassionate care and child care expenses. |
|
|
| |
• Per Adult / Child |
300,000 |
300,000 |
|
|
| |
• Per family |
|
900,000 |
|
|
| |
Excess per claim / person : Area 1: RM50, Area 2 & 3: RM100
|
| |
|
|
|
| |
The following are subject to overall medical expenses limit: |
|
|
| |
a) Alternative Medicine |
|
|
| |
|
500 |
500 |
|
|
| |
|
|
|
| |
b) Follow-Up Treatment |
|
|
| |
|
30,000 |
30,000 |
|
|
| |
|
|
90,000 |
|
|
| |
|
|
|
| |
c) Compassionate Care |
|
|
| |
|
5,000 |
5,000 |
|
|
| |
|
|
15,000 |
|
|
| |
|
|
|
| |
d) Child Care |
|
|
| |
|
5,000 |
15,000 |
|
|
| |
|
|
|
| |
EMERGENCY MEDICAL EVACUATION & BRINGING BACK TO MALAYSIA |
|
|
| |
• Per Adult / Child |
1,000,000 |
1,000,000 |
|
|
| |
|
|
|
4.
|
Hospital Allowance
Payment (RM350 per day) for admission to hospital abroad due to accident bodily injury or illness |
|
|
| |
• Per Adult / Child |
7,000 |
7,000 |
|
|
| |
• Per Family |
|
21,000 |
|
|
| |
|
|
|
5.
|
Personal Luggage and Personal Effects
Coverage for lost or damaged luggage and personal effects |
|
|
| |
• Per Adult / Child |
5,000 |
5,000 |
|
|
| |
• Per Family |
|
15,000 |
|
|
| |
Excess per claim / person : RM50 |
|
|
| |
|
|
|
6.
|
Luggage Delay
Pays RM200 if your luggage is delayed from the time of arrival at the destination abroad for each 6 consecutive hours. |
|
|
| |
• Per Adult / Child |
800 |
800 |
|
|
| |
• Per Family |
|
2,400 |
|
|
| |
(An insured cannot claim under both Section 5 & 6 for the same event) |
| |
|
|
|
7.
|
Personal Money and Travel Documents
Reimbursement for loss of money
and reasonably incurred accommodation, travel expenses and communication expenses incurred to replace lost passport, visa or travel documents in the event of loss due to theft. |
|
|
| |
• Per Adult / Child |
5,000 |
5,000 |
|
|
| |
• Per Family |
|
15,000 |
|
|
| |
Excess per claim / person : RM50
Sub-limit for theft of money : RM750 |
|
|
| |
|
|
|
8.
|
Cancellation (Loss of Deposits)
Reimbursement for loss of irrecoverable deposits or charges paid if your planned trip is cancelled due to your illness, bodily injury or death including your immediate family/traveling companion. |
|
|
| |
• Per Adult / Child |
15,000 |
15,000 |
|
|
| |
• Per Family |
|
45,000 |
|
|
| |
|
|
|
9.
|
Curtailment
Reimbursement for unused and non-refundable portions of your cancelled trip due to bodily injury, illness or death including your immediate family or traveling companion. |
|
|
| |
• Per Adult / Child |
15,000 |
15,000 |
|
|
| |
• Per Family |
|
45,000 |
|
|
| |
|
|
|
10.
|
Delay in Departure
a)
|
Pay RM200 if your conveyance is delayed from the schedule departure time for each 6 consecutive hours |
|
|
|
| |
|
3,600 |
3,600 |
|
|
| |
|
|
6,000 |
|
|
| |
|
|
|
| |
b)
|
Reimbursement on top of the above limit
for irrecoverable deposits or charges paid for the cancelled parts of the trip due to travel delay |
|
|
|
| |
|
500 |
500 |
|
|
| |
|
|
1,500 |
|
|
| |
|
|
|
| |
We will only pay for one claim made either under
Section 10 (Delay In Departure) or Section 11 (Delay In Arrival)
or Section 12 (Missed Departure) or Section 13 (Flight
Misconnection) or Section 14 (Overbooked Flight) |
| |
|
|
|
| SUM INSURED |
RM |
RM |
|
| Benefits |
|
|
11.
|
Delay in Arrival
a)
|
Pay RM250 if the arrival of the scheduled carrier in which you have arrange to travel is delayed for at least 6 consecutive hours |
|
|
|
| |
|
250 |
250 |
|
|
| |
|
|
750 |
|
|
| |
|
|
|
12.
|
Missed Departure
Reimbursement for necessarily and reasonable
incurred accommodation and travel expenses in
reaching your original destination or returning
home as a result of failure of public transport
services. |
|
|
| |
• Per Adult / Child |
1,000 |
1,000 |
|
|
| |
• Per Family |
|
3,000 |
|
|
| |
Excess per claim / person : RM50 |
|
|
| |
|
|
|
13.
|
Flight Misconnection
Reimbursement for expenses necessarily and
reasonably incurred if you miss the confirmed
onward connecting scheduled flight at transfer
point. |
|
|
| |
• Per Adult / Child |
200 |
200 |
|
|
| |
• Per family |
|
600 |
|
|
| |
|
|
|
14.
|
Overbooked Flight
Reimbursement for expenses necessarily and
reasonably incurred resulting from you being
denied boarding due to overbooking of
commercial scheduled flights. |
|
|
| |
• Per Adult / Child |
200 |
200 |
|
|
| |
• Per Family |
|
600 |
|
|
| |
|
|
|
15.
|
Hijacking Inconvenience
Reimbursement of up to RM300 for each full 24
hours delay if the scheduled carrier or public
transport services that you are traveling in is
hijacked. |
|
|
| |
• Per Adult / Child |
900 |
900 |
|
|
| |
• Per Family |
|
2,700 |
|
|
| |
|
|
|
16.
|
Home Care Benefit
Coverage for physical loss or damage caused
by fire or burglary to the home contents and
valuables in the event your home is left vacant. |
|
|
| |
• Per Adult |
1,000 |
1,000 |
|
|
| |
• Per Family |
|
3,000 |
|
|
| |
|
|
|
17.
|
Personal Liability
Indemnifies you in respect of your legal liability
towards third parties for injury, illness, loss or
damage to property. |
|
|
| |
• Per Adult / Child |
1,000,000 |
1,000,000 |
|
|
| |
• Per Family |
|
3,000,000 |
|
|
| |
|
|
|
18.
|
Loss of Travel Deposits/Travel Package Payment
Reimbursement for loss of irrecoverable travel deposits / travel package payment paid in
advance
in the event that before the departure
date of your booked trip, the Travel Agent from
where you purchased your air tickets or tour
packages is unable to honour their agreement
to provide the air tickets or tour packages as a
result of total cessation of the
business
including insolvency or abscondment. |
|
|
| |
• Per Adult / Child |
3,000 |
3,000 |
|
|
| |
• Per Family |
|
9,000 |
|
|
| |
• Per Travel Agent |
3,000,000 |
3,000,000 |
|
|
| |
|
|
|
19.
|
Additional Costs of Rental Car Return
Reimbursement for the additional costs of rental
car if you
are unable to return a hired car or
campervan from a licensed
rental agency to the
nearest hire depot due to your injury or
serious
illness which requires hospitalization.
|
|
|
| |
• Per Travel Agent |
1,000 |
1,000 |
|
|
| |
|
|
|
20.
|
Tokio Marine Travel Assistance Services
Provides 24-hours, 7 days a week,
multi-language world
telephone assistance
for emergencies abroad.
Contact Tokio Marine Travel Assistance at
603-7628 3877
at reversed charge for medical
and travel assistance.
|
Included |
Included |
| |
(In the event of line interruption, please call the
alternative
back-up number at 603-7841 5770) |
|
|
| |
|
|
|
| |
Note: |
| |
Child means a fully dependant child aged between 30 days to under 18 years or up to 23 years who is studying full-time, residing in Malaysia.
Family means you, your legal spouse (one) and any number of fully dependant child residing in Malaysia. |
| |
|
| |
Terms & Conditions
We will not be liable for the same claim under more than one Policy and/or Certificate of Insurance for the same Insured Person relating to the same Period of Insurance issued by us or our authorized agents.
|
| |
|
|
|
|
| |
|
|
| |
 |
|
|
|
|
AREA 1 |
|
AREA 2 |
|
AREA 3 |
| No. of Days |
Individual |
|
Family |
| Premium |
RM |
|
RM |
| 1 - 5 |
31 |
|
72 |
|
| 6 - 10 |
47 |
|
113 |
|
| 11 - 18 |
65 |
|
180 |
|
| 19 - 31 |
75 |
|
230 |
|
| Each additional week thereafter |
20 |
|
50 |
|
|
| No. of Days |
Individual |
|
Family |
| Premium |
RM |
|
RM |
| 1 - 5 |
42 |
|
105 |
|
| 6 - 10 |
63 |
|
145 |
|
| 11 - 18 |
100 |
|
240 |
|
| 19 - 31 |
115 |
|
335 |
|
| Each additional week thereafter |
35 |
|
85 |
|
|
| No. of Days |
Individual |
|
Family |
| Premium |
RM |
|
RM |
| 1 - 5 |
56 |
|
135 |
|
| 6 - 10 |
88 |
|
200 |
|
| 11 - 18 |
128 |
|
315 |
|
| 19 - 31 |
175 |
|
445 |
|
| Each additional week thereafter |
43 |
|
110 |
|
| |
|
|
|
|
| Travel from Malaysia |
|
Travel from Malaysia |
|
Travel from Malaysia |
AREA 1:
Singapore, Brunei, Thailand, Indonesia, Philippines, Myanmar, Cambodia, Laos, China, India, Japan, Korea, Pakistan, Sri Lanka, Taiwan, Vietnam, Hong Kong, Macau and from Peninsula Malaysia to East Malaysia or vice versa. |
|
AREA 2:
Worldwide excluding USA/Canada. |
|
AREA 3:
Worldwide including USA/Canada. |
| |
|
|
|
|
| Maximum number of days allowed per journey or trip is 180 consecutive days from the commencement date of journey |
|
|
|
|
| |
|
|
|
|
|
|
