 |
 |
| |
|
| 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 |
|
|
| |
|
|
|
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, emergency medical evacuation, post hospitalisation follow-up medical expenses, 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, hospital & emergency evacuation limit: |
|
|
| |
a) Follow-up treatment |
|
|
| |
• Per Adult / Child |
30,000 |
30,000 |
|
|
| |
• Per Family |
|
90,000 |
|
|
| |
|
|
|
| |
b) Compassionate care |
|
|
| |
• Per Adult / Child |
5,000 |
5,000 |
|
|
| |
• Per Family |
|
15,000 |
|
|
| |
|
|
|
| |
c) Child care |
|
|
| |
• Per day |
500 |
500 |
|
|
| |
• Per event |
5,000 |
15,000 |
|
|
| |
|
|
|
4.
|
Hospital Allowance
Payment (RM350 per day) for admission to hospital abroad due to accidental 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
Reimbursement for the purchase of essential items if your luggage is delayed for 8 consecutive hours. |
|
|
| |
• Per Adult / Child |
500 |
500 |
|
|
| |
• Per Family |
|
1,500 |
|
|
| |
(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 reasonable 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 |
|
|
|
|
|
| SUM INSURED |
RM |
RM |
|
| Benefits |
|
|
10.
|
Travel Delay
a) Pay RM200 if your conveyance is delayed from the schedule departure time for each 8 consecutive hours |
|
|
| |
• Per Adult / Child |
2,000 |
2,000 |
|
|
| |
• Per Family |
|
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 |
|
|
| |
• Per Adult / Child |
500 |
500 |
|
|
| |
• Per Family |
|
1,500 |
|
|
| |
|
|
|
11.
|
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 |
|
|
| |
|
|
|
12.
|
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 |
|
|
| |
|
|
|
13.
|
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 |
|
|
| |
|
|
|
14.
|
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 |
|
|
| |
|
|
|
15.
|
Home Care Benefit
Coverage for physical loss or damage caused by fire to the home contents and valuables in the event your home is left vacant. |
|
|
| |
• Per Adult / Child |
1,000 |
1,000 |
|
|
| |
• Per Family |
|
3,000 |
|
|
| |
|
|
|
16.
|
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 |
|
|
| |
|
|
|
17.
|
24-hour Worldwide Assistance
Provides 24-hours, 7 days a week, multi-language world telephone assistance for emergencies abroad.
Contact Tokio Marine Assist Helpline at
603-2716 8981 at reversed charge for medical and travel assistance. |
Included |
Included |
| |
|
|
|
18.
|
Loss of Travel Deposits/Travel 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 |
| |
|
|
|
| |
Note: |
| |
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. |
|
|
|
| |
|
|
| |
 |
|
|
|
|
AREA 1 |
|
AREA 2 |
|
AREA 3 |
| No. of Days |
Individual |
|
Family |
| Premium |
RM |
|
RM |
| 1 - 5 |
28 |
|
68 |
|
| 6 - 10 |
43 |
|
106 |
|
| 11 - 18 |
59 |
|
166 |
|
| 19 - 31 |
69 |
|
216 |
|
| Each additional week thereafter |
18 |
|
40 |
|
|
| No. of Days |
Individual |
|
Family |
| Premium |
RM |
|
RM |
| 1 - 5 |
39 |
|
98 |
|
| 6 - 10 |
58 |
|
136 |
|
| 11 - 18 |
88 |
|
227 |
|
| 19 - 31 |
106 |
|
318 |
|
| Each additional week thereafter |
29 |
|
74 |
|
|
| No. of Days |
Individual |
|
Family |
| Premium |
RM |
|
RM |
| 1 - 5 |
49 |
|
129 |
|
| 6 - 10 |
78 |
|
192 |
|
| 11 - 18 |
114 |
|
298 |
|
| 19 - 31 |
158 |
|
412 |
|
| Each additional week thereafter |
39 |
|
99 |
|
| |
|
|
|
|
| Travel from Malaysia |
|
Travel from Malaysia |
|
Travel from Malaysia |
AREA 1:
ASIA is defined as 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 |
|
|
|
|
| |
|
|
|
|
|
