Travel Medical Insurance Malaysia Hospital & Treatment Expenses
Travel Medical Insurance Malaysia
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.
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 family plan includes you, your spouse and all your accompanying children aged 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.
What is the maximum age limit?
• As long as you are below 70 years old, you are eligible to enrol. For family plan, 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 190 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 overseas for education. For ‘One Way’ trip cover, arrival at final destination must be completed within 31 days [including any stopover(s)].
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.
Who is AXA Affin General Insurance Berhad?
• AXA Affin General Insurance Berhad is a member of the AXA Group, with over 869 billion euros assets under management and more than 50 million customers around the world. AXA is one of the world?s leading insurer. In Malaysia, it is also a member of the Affin Group, a leader in Malaysia?s financial services sector.
| SUMMARY OF BENEFIT |
LIMIT PER
PERSON/
EVENT
|
SUM INSURED (RM)
|
|||
|
VIP PLAN
|
CLASSIC 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 - |
300,000 900,000
|
50,000 - |
50,000 150,000
|
| 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 (due to hospitalisation of the Insured Person) 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
|
|||||
| Compassionate Visitation Benefit (due to the Insured Person’s Death) In the event of the Insured’s death whilst on the trip, reimburses for travel and accommodation expense for one relative or friend to assist in the burial or cremation arrangements in the locality where death occurs |
Per adult/ child Per family |
5,000 - |
5,000 15,000 |
5,000 - |
5,000 15,000 |
|
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 and the cost of areturn trip economy class ticket | Per day
Per event |
500 5,000 |
500 15,000 |
500 5,000 |
500 15,000 |
|
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 EVACUATION & REPATRIATION
|
|||||
| Emergency Medical Evacuation 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 |
| Emergency Medical Repatriation In the event that the Insured person is hospitalised abroad and it is medically necessary for the Insured Person to be repatriated back to Malaysia to continue treatment, we will pay in respect of reasonable and necessary repatriation costs including the reasonable transportation costs of one qualified medical attendant accompanying the Insured Person | 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 |
10,500
|
10,500
31,500 |
-
|
-
|
| 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 RM800 | Per adult/ child
Per child |
5,000
- |
5,000
15,000 |
-
|
-
|
|
BAGGAGE DELAY
|
|||||
| Reimburses for purchase of essential items if your baggage is delay for 8 consecutive hours upon arrival at your destination abroad | Per adult/ child
Per family |
500
- |
500
1,500 |
-
|
-
|
| 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
- |
1 million
3 million |
-
|
-
|
|
TRAVEL DELAY
|
|||||
| Pays if your conveyance is delayed from the scheduled departure time for each full 8 consecutive hours delay (RM200 for first 8 hours delay and RM300 for every 8 consecutive hours thereafter)
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 family |
3,200 - 500 - |
3,200 9,600 500 1,500 |
-
|
-
|
| LOSS OF DEPOSIT OR CANCELLATION | |||||
| Reimburses for irrecoverable travel and accommodation expenses paid in advance, provided that the insurance is purchased on the date of full payment of your trip | Per adult/ child
Per family |
20,000
- |
20,000
60,000 |
-
|
-
|
| CURTAILMENT | |||||
| Reimburses for proportional return of irrecoverable prepaid costs incurred, if it is necessary & unavoidable to curtail your trip | Per adult/ child
Per family |
20,000
- |
20,000
60,000 |
-
|
-
|
| OVERBOOKED FLIGHT | |||||
| Pays due to overbooked flight and no alternative transportation is made available to you within 4 hours | Per adult/ child
Per family |
200
- |
200
600 |
-
|
-
|
| FLIGHT MISCONNECTION | |||||
| Pays due to missed connection and no alternative transportation is made available to you within 4 hours | Per adult/ child
Per family |
200
- |
200
600 |
-
|
-
|
| HIJACKING INCONVENIENCE | |||||
| Pays for each full 24 consecutive hours of hijack (RM300/ 24 hours) | Per adult/ child
Per family |
900
- |
900
2,700 |
-
|
-
|
| HOME CARE BENEFITS | |||||
| Pays for 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
- |
1,000
3,000 |
-
|
-
|
| MISSED DEPARTURE | |||||
| Reimburses for additional accommodation and travel expenses necessarily andreasonably incurred in returning to Malaysia, as a result of mechanical breakdown of public transport services, to get you to the departure port, airport or train station, as stated in your ticket | Per adult/ child
Per family |
1,000
- |
1,000
3,000 |
-
|
-
|
| REROUTING OF FLIGHT | |||||
| Pays if the arrival of the scheduled public conveyance is delayed for at least 8 hours due to rerouting | Per adult/ child
Per family |
200
- |
200
600 |
-
|
-
|
| RENTAL CAR EXCESS COVER | |||||
| Pays for any excess/deductible which you become legally liable to pay in respect of loss or damage to rental vehicle during the rental period | Per adult/ child
Per family |
1,000
- |
1,000
3,000 |
-
|
-
|
| LOSS OF DEPOSIT OR FULL PAYMENT DUE TO ABSCONDMENT OR INSOLVENCY OF TRAVEL AGENT | |||||
| In the event that before or on the departure date of your booked trip, the travel agency from where you purchased your air tickets or tour packages has absconded or declared insolvent, we will reimburse you for loss of irrecoverable deposits or full payments paid in advance for air tickets or tour packages, provided that the insurance is purchased before or on the day of full payment of your trip. | Per adult/ child
Per family |
5,000
- |
5,000
15,000 |
-
|
|