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TravelRight Plus

Why do i need insurance.

MSIG goes above and beyond for your safety, well-being, and peace of mind. With MSIG TravelRight Plus Insurance, whether you are travelling for business or leisure, near or far, trust us to protect you from life’s unexpected twists and turns. It also provides a 24-hour worldwide travel assistance hotline that you can call for information and advice, or in the event of an emergency.  

Choose the travel insurance that local travelers rely on. Travel with confidence, TravelRight with MSIG.

Key Benefits

When you embark on your journey, MSIG TravelRight Plus Insurance becomes your trusted companion, offering a comprehensive safety net for every step of your adventure. Our policy is designed to protect you from a wide range of possible events during your domestic and foreign travels within the policy period.

• Medical Expenses
• Personal Accident & Liability
• Loss of Personal Belongings & Luggage Delay
• Travel Delay, Cancellation & Curtailment
• Missed Departure
• Adventurous Activity Cover
• Loss of Use of Hotel Facilities

On top of your TravelRight Plus Insurance Policy, you can also choose from the following add-on to extend the coverage of your travel insurance: 

• In these uncertain times, our COVID-19 Benefit Add-on provides peace of mind by covering medical expenses, travel cancellation, and travel curtailment related to the treatment of COVID-19 if you are infected and hospitalised overseas.
• We understand that travel disruption can be challenging. MSIG's Alternative Transport Top Up Add-on ensures you have the support you need by covering additional expenses when arranging alternative transport or routes.

Did you know…

If you are a globetrotter or a business traveler, our annual travel insurance is your passport to savings all year round. Say goodbye to the hassle of single-trip policies and hello to a world of convenience and coverage.

Here are 3 compelling reasons why you should take the leap and embrace our Annual Travel Insurance.

• Save Big, Travel More

If you are a frequent traveler, our annual policy is your golden ticket to saving big. If you’re jetting off on trips more than four times a year, it would be best to buy an annual travel insurance plan instead.

• Buy Once, Travel All Year

Fret less about buying single trip insurance for every last-minute deal you snap up. Our annual policy ensures you’re protected for both planned and impromptu journeys. Travel with peace of mind, knowing that you’re insured throughout the year.

• Unlimited Travels Await

Adventures know no bounds, and neither should your travel insurance. With our annual coverage, there is no limit to the number of trips you can embark on in a year. You can travel up to 90 days per trip, without a care in the world. Just choose the right geographical area you desire.

Make every trip count, explore new horizons, and let MSIG’s Annual Travel Insurance be your trusted companion. Your journey begins here!

MSIG Assist

MSIG TRAVEL ASSIST * - 24-Hour Travel Worldwide Assistance – FREE with MSIG TravelRight Plus Insurance

Wherever you are in the world, you can rely on MSIG Assist to come to your rescue.

You may call for assistance on:

• Pre-travel Advice on visa and vaccination requirements
• Medical Assistance in an emergency or if an evacuation or repatriation is required
• Travel Assistance pertaining to lost luggage, passports, money and credit cards   The number to call: +603 - 2166 3080 (24-hour hotline)

You can reverse charge or ask Helpline operators to return your call so you do not need to worry about the call charges.

* Terms and conditions apply.

• Travel Insurance Policy Wording Booklet
• TravelRight Plus Insurance with PDS (Single Trip / Annual Cover)
• TravelRight Plus Chinese Leaflet
• Travel Add-On: COVID-19 Benefit Leaflet
• COVID-19 Benefit FAQs
• Travel Add-On: Alternative Transport Top Up Leaflet
• TravelRight Plus Insurance Proposal Form (Single Trip / Annual Cover)

8% Service Tax Implementation Effective 1 March 2024

Dear Valued Customers,

Please be informed that an 8% Service Tax will be applied for all taxable general insurance policies where the insurance period commences on or after 1 March 2024 or where the insurance period spans across 1 March 2024 (calculated on a pro-rated basis).

MSIG reserves the right to collect any undercharged service tax for policies processed before 1 March 2024 where the insurance period spans across 1 March 2024. 

You are obligated to pay any applicable taxes including but not limited to service tax and stamp duty that are imposed by the Malaysian tax authorities in relation to your Policy. 

We are in the midst of updating our brochure and product materials to reflect the Service Tax. The materials will be ready in due course. If you have any queries, please contact our Customer Service Hotline: 1-800-88-MSIG (6744).

Nomination General FAQs

Nomination is important to ensure that your loved ones get the protection that you intended.

To assist you in understanding ‘Nomination’, we have come up with simple FAQs below. 

1.     Why do I have to nominate?

Nomination is important to ensure that your loved ones will receive the protection as intended by you and that policy moneys may be paid out by insurers without any delay.  Where no nomination is made, the policy moneys will be paid out to your lawful executor (if you have made a Will) or your lawful administrator (if no Will has been made) – this process will take a while.

*If there is no lawful executor or administrator, then the policy moneys will be paid out to the rightful persons in accordance with applicable distribution laws.

2.     Who can I nominate?

You can nominate any individual(s) you want.  HOWEVER, not all nominees will receive the policy moneys beneficially or for their own use.  Depending on your marital status and who you nominate, nominations may produce unexpected results for the nominee(s).  Likewise, nominations by a Muslim policy owner and non-Muslim policy owner will have different consequences.

Nominations made by a non-Muslim policy owner will create either (i) a trust policy in favour of the nominee(s) or (ii) a non-trust policy.

To ensure that your nominee(s) receive the policy moneys as intended, you need to ensure that a trust policy is created in favour of your nominee(s) .

3.     How do you create a trust policy?

Trust policy will be created:

(a)   if the nominee is your spouse or child ; or

(b)  if the nominee is your parent (provided that there is no living spouse or child at the time you make the nomination).

4.     What if I nominate someone else as my nominee(s)?

In such as case, you are creating a non-trust policy.  Here, your nominee will only receive the policy moneys as executor and distribute the policy moneys in accordance with your Will or where there is no Will, in accordance with applicable distribution laws.  If you intend for these nominee(s) to receive the policy moneys beneficially and not as executor, you will need to assign the policy benefits to them.

In brief, if you nominate people other than your spouse, children or parents, make sure to assign the policy benefits to them to ensure that they receive the policy moneys for their own use.  Please contact MSIG if you require more information on this.

5.     What about Muslim policy owner?

Nominee(s) irrespective of the relationship with the policy owner can only receive the policy moneys as executor and the policy moneys must be distributed in accordance with Islamic laws.

6.     I did not make any nomination and Will.  How will the policy moneys be distributed?

The policy moneys as well as your other assets will be distributed in accordance with applicable distribution laws.

For West Malaysia and Sarawak, the Distribution Act 1958 applies, where the policy moneys and assets will be divided between your surviving spouse, children and parent(s) in certain proportions.

The Distribution Act 1958 is however not applicable to Muslims in West Malaysia and natives in Sarawak.  For Sabah, policy moneys and assets will be distributed in accordance with the Intestate Succession Ordinance 1960. 

7.     How do I make a nomination?

It is easy to make a nomination.  You can download the PA Insurance Nomination Form provided in this website or you may contact us and request for a copy.  Complete and return the original PA Insurance Nomination Form to MSIG for our further action  – you may wish to refer to the sample completed form for reference. 

Please make sure that the form is duly signed and witnessed by someone who is 18 years old and above, of sound mind and not a named nominee, failing which the nomination may be deemed invalid.

*The FAQs are provided for general information only. For detailed provisions on nomination, please refer to Schedule 10 of Financial Services Act 2013.  

To download a copy of the Personal Accident Insurance Nomination Form, please click on the link below.

8.    Can I being the insured revoke the nomination made earlier in my trust policy ?

Yes, you can revoke the nomination under your trust policy but under the law you must obtain the written consent of the trustee before the revocation can be valid. (Refer to explanation in question 3 above). Hence, if you wish to revoke the nomination, you may download the Consent Form provided by us through the link below for completion. After the submission of the completed Consent Form and new Nomination Form to us, we will pass an endorsement for a change of nominee to your trust policy.

• Specimen Personal Accident Insurance Nomination Form.pdf
• Personal Accident Insurance Nomination Form.pdf
• Consent Form for Revocation of Nomination.pdf

MSIG assist

Contact MSIG Assist for your travel emergencies or travel-related assistance services.

Useful Links:

• General Claims Guidelines

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Best Travel Insurance in Malaysia (2023)

by fatberry.com | Jul 7, 2023 | Travel Insurance

Best Travel Insurance in Malaysia

Planning on an overseas trip for you and your loved ones with no travel insurance? Whoops, you got to stop there for a moment. We don’t want to jinx anything bad to happen but no travel insurance is quite a risk.

We understand that you may be unsure about which is the best travel insurance in Malaysia for you, but don’t worry! As always, we’ve got you covered with our travel insurance comparison in Malaysia. Continue reading to find the best one for you!

What Is Travel Insurance?

Travel insurance protects you financially if you encounter certain problems when travelling or on vacation with your loved ones. They range from little issues like lost, damaged, or delayed luggage to major ones like emergency medical care overseas.

Why Do I Need Travel Insurance?

When we think of holidays, we always think of having peace of mind and protection when travelling. And, certainly, with travel insurance, you’ll be able to enjoy both with no worries at all! International travel insurance covers not only lost luggage and medical expenses but also changes in plans, unexpected death or disability. All of these are things that you never know if they will happen or not, but it is always important to be cautious!

How Much Does Travel Insurance Cost?

You might think travel insurance is expensive and is only applicable when travelling overseas – yes, we do get that a lot so you’re not alone! But there’s good news for you, the price of travel insurance is not as high as most people believe, and it is determined by numerous criteria such as coverage quantity, length, and destination. You can also choose between individual and family travel insurance coverage.

Malaysia provides a broad choice of travel insurance plans with various coverage levels in order to accommodate all sorts of travellers. We will list them out for you from the cheapest travel insurance in Malaysia to the highest price (which is still a good price) in a moment!

Top 5 Travel Insurance in Malaysia

1. msig travelright plus insurance.

MSIG TravelRight Plus Insurance is one of the best travel insurance in Malaysia that compensates you for accidents and specified occurrences that occur during your trip within the term of the policy. For example, travel delays, luggage damage or loss, injury, mishaps, and the list continues.

This coverage ensures that whether you are travelling for business or pleasure, you are always protected throughout your trip. You can choose between a short-term policy for a single trip and annual coverage for an infinite number of journeys during the policy year. All Malaysians, Permanent Residents, Non-Residents, Work Permit/Employment Pass Holders, and other lawfully working Malaysians, as well as their dependents, are eligible to apply.

In addition to your TravelRight Plus Insurance Policy, you can choose from the following add-on plans to extend your Travel Insurance coverage:

• COVID-19 Benefit – Pays medical expenditures for COVID-19 therapy if you are affected and hospitalised abroad.
• Travel Add-On: Alternative Transport Top Up – Pays additional costs for alternative transportation or alternate routes to your following destination if your booked transport is cancelled or delayed for any more than 24 hours abroad.

You can get your travel insurance covered for as low as RM138! Refer here for a more detailed explanation of the benefits of MSIG TravelRight Plus Insurance and here to get your quote with Fatberry!

2. Berjaya SOMPO TravelSafe

A vacation is never enjoyable when you are preoccupied with worries. SOMPO TravelSafe gives you peace of mind when travelling by protecting you from COVID-19* with up to RM500,000 – related issues and more. Make your long-awaited fantasy of a postcard-perfect vacation a safer reality with the cheapest travel insurance in Malaysia for as low as RM52 per plan!

*Only valid for fully vaccinated travellers.

Even after the COVID-19 pandemic, your holiday trip should still be safe and memorable. Although the pandemic may have affected our travel lives and habits, we want you to have the best travel moments possible! But when unforeseen circumstances arrive, the last thing we should be concerned about is the financial burden.

What is Berjaya SOMPO TravelSafe About?

This policy is another best travel insurance in Malaysia that covers anyone travelling overseas (as well as within Malaysia) in the occurrence of injuries, disability, or death caused exclusively by violence, accidental, external, and fairly evident.

This policy also reimburses expenses incurred during the trip as a result of travel problems.

What Will Berjaya SOMPO TravelSafe Cover?

Some of the things that will be covered by Berjaya SOMPO TravelSafe:

• Medical, Hospital & Other Expenses up to RM500,000
• Travel Curtailment
• Emergency Medical Evacuation & Repatriation
• Loss of Deposit or Cancellation
• Overseas Quarantine Allowance Due to COVID-19

Refer here for a more detailed explanation of the benefits of Berjaya SOMPO TravelSafe and here to get your quote with Fatberry!

3. Zurich Z-Travel Insurance

Zurich Z-Travel Insurance is one of the best travel insurance in Malaysia that covers compensation in the event of accident-related injuries, disability, or death, medical expenditures received as a result of accident or sickness, travel difficulty, and travel assistance for your international trip. This product also offers optional compensation if you become contaminated with Covid-19.

You can select from four (4) distinct levels of cover types:

1. Trip type – single trip, one-way trip, or annual trip. 2. Coverage type – individual cover, individual & spouse cover, family cover, or senior cover. 3. Types of Plan – Silver, Gold, or Diamond. 4. Travel area – Area 1, Area 2, or Area 3.

What Are The Covers/Benefits Provided?

• 24-Hour Emergency Medical Assistance Benefits
• Protection for Amateur Sports Including Scuba Diving, Winter Sports, Bungee Jumping & More
• High Medical Coverage
• Home Care Benefits
• Rental Car Excess
• Personal Accident Coverage
• 24/7 Worldwide Zurich Travel Assistance
• Travel Inconvenience Coverage
• Optional Covid-19 Add-On

You can get your travel insurance covered with Z-Travel for as low as RM99! Refer here for a more detailed explanation of the benefits of the insurance plan and here to get your quote with Fatberry!

4. Allianz Travel Insurance

Allianz is a well-known name in the insurance industry, as well as one of the best travel insurance in Malaysia. It has upped the bar for the coverage and advantages that travel insurance can provide with its multi-award-winning insurance firm.

Allianz’s services are rather clear. You can apply for two of these online: Allianz Travel Insurance and Allianz Flight Care. However, we personally favour Allianz Travel Insurance over Alliance Flight Care because the former provides more complete coverage, both internationally and domestically compared to the latter.

Aside from the standard coverage provided by most insurance companies, Allianz goes above and beyond by providing coverage for funeral expenses, hijacking, terrorism, and — on a lighter note — pet hotel and sports activities like mountain climbing.

What Does Allianz Travel Insurance Covers?

• International and domestic travel for your family
• Medical costs
• Travel or luggage delay
• Delays in travel or luggage Emergency medical evacuation and repatriation programme
• Death by accident and lasting disability

You can get this plan for as low as RM200! Refer here for a more detailed explanation of the benefits of the insurance plan and here to get your quote with Fatberry!

5. TripCare 360 Takaful

Etiqa Takaful is yet another best insurance in Malaysia that we bring to you. It offers four different types of travel insurance plans, but the TripCare 360 Takaful is the most beneficial, which is why it is so popular. One feature that will appeal to you about TripCare 360 Takaful is its 25% rebate, which distinguishes it from competitors. It also has a cashless medical benefit that allows you to be hospitalised without having to pay anything. All you need are the Guarantee Letters (GL) and a phone call to the company’s 24-hour helpline.

Some other benefits it covers:

• Up to RM5,000 for baggage loss and damage, personal money and travel document theft.
• Get up to RM100 in compensation for any airline delays.
• Terrorist coverage
• 25% when applied online
• Add-ons for adventurous activities
• Cashback when you make no claims for the annual plan

If you are wondering how much you would have to pay for the TripCare 360 Takaful, you can click here to get your quote with Fatberry!

Why Should I Buy Travel Insurance with Fatberry?

1. low market rates.

Fatberry simply offers the best savings available, and nothing else! We compare insurance costs instantaneously online, and you may even be eligible for a refund if you find a lower price on another site. If you provide proof that the other bids are lower, Fatberry will guarantee to repay the difference within 7 working days.

2. The Quote Is Ready Right Away!

Don’t worry about finding time to speak with a sales representative since Fatberry can provide you with a fast quote in only 3 minutes. And, as an added benefit, getting a quote from Fatberry is entirely free!

3. Easily Compare Pricing

On Fatberry, you can compare insurance brands from all across Malaysia. All it takes is one page to see a comparison of the features and rates of all accessible insurance products. That is not difficult; all you need is a few clicks and you are ready to go.

Now, make sure to select a travel insurance plan that suits you the best!

Check the list to determine which travel insurance plan is the perfect one for you:

• Destination
• Personal Belongings
• Sports & Activities
• Trip Cancellations

Once they are all checked, you can click here to get your quotations as soon as possible with Fatberry!

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MSIG TravelRight Plus

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•   Benefits
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When you are travelling, thousands of things can go wrong; flight delays, lost luggage, illness or accidents, leaving you helpless Now, whether it's a business trip or a family holiday, Travel Insurance will protect you throughout your journey.

Benefits At A Glance

• Extensive Personal Accident Cover
• Attractive Medical and Related Benefits
• Extra Cover for Travel Inconvenience
• Adventurous Activity Cover
• 24-hour Worldwide Travel Assistance Hotline: +603-2166 3080
• No UPPER age limit *
• Flexible plans for overseas travel
• Cover both business AND leisure trips
• Cover hijacking and terrorism
• Chartered flights (SCHEDULED) are covered
• Member of MATTA (Malaysian Association of Tour and Travel Agents)

We care about your journeys in life.

That's why we've added New and Enhanced Benefits, effective 11 May 2016. For improved protection no matter where your travels take you.

• Adventurous Activity Cover NEW
• Travel Woldwide Assistance - Emergency Cash Advance Assistance NEW
• Luggage Delay ENHANCED
• Up to RM1 million for burial and cremation combined with repatriation of mortal remains ENHANCED
• Domestic Cover - Travelling within Peninsular or East Malaysia is now part of the Annual Cover ENHANCED

Eat all the yummy food you want. We'll Jaga you if you fall sick.

Bring your gadgets along with you. We'll Jaga you if it gets stolen.

Try all the outdoor activities you want. We'll Jaga you if you get into accidents.

Luggage Delay

We'll compensate your luggage due to any departure delay

Travel Delay

We'll compensate any flight departure delay during your trip.

Medical & Other Expenses

We'll reimburse of actual expenses for medical, surgical or hospital charges.

Travel Cancellation OR Curtailment

We'll reimburse for your pre-paid and non-refundable accomodation and travel expenses.

Luggage & Personal Effects

We'll reimburse for total loss/damage to your luggage.

Emergency Medical Evacuation

We'll arrange evacuation and make the necessary transportation arrangements to hospital or back to Malaysia

SECTION 2 – MEDICAL AND OTHER EXPENSES For each insured person we will pay: For the following necessarily incurred expenses within the Period of Insurance that gives rise to the claim resulting from your death, injury or illness during the journey overseas except follow-up treatment. In respect of domestic trip, this benefit is only applicable to injuries arising from an accident. We will reimburse the following necessarily incurred expenses, where applicable. Benefit 1 - Medical & Other Expenses Benefit 1.1 - Medical Expenses including Alternative Medicine Reimbursement up to RM300,000 for an insured person below 70 years or RM150,000 for an insured person 70 years and above for reasonable fees or charges or expenses for: a) medical, surgical, hospital, nursing ho me or nursing services. b) emergency dental treatment for the alleviation of sudden pain or treatment for damage to sound and natural teeth provided such damage is caused solely by injury. c) if the insured person suffers from an injury or illness during his/her journey and seeks alternative medicine, we will reimburse the expenses incurred for such treatment up to a limit of RM500. Alternative medicine shall mean treatment from a traditional medical practitioner, osteopath, physiotherapist and/or a chiropractor. In respect of domestic trip, the reimbursement of this benefit is up to RM30,000 for an insured person below 70 years or RM15,000 for an insured person 70 years and above. Alternative medicine benefit is not applicable on domestic trip. Benefit 1.2 - Follow-up Treatment in Malaysia Reimbursement for follow-up medical expenses incurred following your return from your journey to Malaysia up to RM30,000, subject to the limit stated in Benefit 1.1. We will not reimburse follow-up treatment expenses if incurred: a) after 45 days from your return to Malaysia b) overseas c) on domestic trip Benefit 1.3 - Emergency Medical Evacuation & Bringing Back to Malaysia Reimbursement up to RM1,000,000 for an insured person which includes air or surface transportation, medical care during transportation, communications and all usual ancillary charges incurred in moving the insured person with a serious medical condition to the nearest hospital where appropriate medical care is available. We will not pay to evacuate an insured person from Malaysia to a foreign destination. You must contact MSIG Assist to obtain approval in advance for any evacuation and to make the necessary transportation arrangements. Failure to do so will invalid a claim for such costs. This benefit is not applicable on domestic trip. Benefit 2 - Repatriation of Mortal Remains (including Burial and Cremation) Reimbursement up to RM1,000,000 for conveyance of your body to Malaysia. Where applicable, we will reimburse reasonable charges for burial or cremation in the locality where death occurs including the reasonable cost of transportation of ashes to Malaysia. For domestic trip, we will reimburse reasonable charges up to RM20,000 for conveyance of your body or ashes to your home. Burial or cremation cost is not covered for domestic trip. We will not pay for the cost of conveyance of your body or ashes from Malaysia to a foreign destination Benefit 3 - Hospital Income RM250 for each full day you are confined to a hospital overseas as an in-patient during the period of the journey in addition to fees or charges or expenses paid under Benefit 1 up to a maximum of RM15,000 in total. This benefit is not applicable on domestic trip Benefit 4 - Compassionate Care (benefit under this Section is not applicable to non-resident) Reimbursement up to RM5,000 for reasonable additional accommodation, communication, round trip economy class air ticket and travel expenses at the place of loss and meals incurred by one relative who is required to travel: a) due to your hospitalisation at the medical advice of the treating physician; or b) as a result of your death due to an injury or illness during the journey provided none of your adult family member is present at the time of hospitalisation or death. This benefit is not applicable on domestic trip. Benefit 5 - Child Care (benefit under this Section is not applicable to non-resident) Reimbursement up to RM5,000 for reasonable additional accommodation, communication, round trip economy class air ticket and travel expenses at the place of loss and meals incurred by one relative to take care and/or accompany your children who are left unattended as a result of your hospitalisation overseas, back to Malaysia. This benefit is not applicable on domestic trip For each insured person we will not pay for: Under Benefit 1 a) fees or charges for repairs to or for the provision of dentures or artificial teeth. b) any dental work involving the use of precious metals. c) dental treatment/repairs where the cause is due to normal wear and tear or normal maintenance of dental health. d) dental or orthodontic expenses incurred in connection with but not limited to the replacement, repairs to or for the provision of crowns, bridges, implants and orthodontic appliances. e) any charges for traditional treatment except as specified in Benefit 1.1(c) f) ophthalmological care, eye glasses, contact lenses and hearing aids or prescriptions for the same. Under Benefit 2 a) fees or charges or expenses for your burial or cremation within Malaysia. Under Benefits 1 to 5 a) fees or charges or expenses arising from manual work in connection with any trade, employment and profession. Under Benefits 4 & 5 a) the first RM50 of each and every incident giving rise to a claim

• the first RM50 of each and every incident giving rise to a claim, except for domestic trip.
• more than RM500 in respect of every single article, pair or set of articles other than notebook computer.
• more than RM1,000 in respect of notebook computer as defined under valuables.
• more than RM2,000 in total in respect of valuables.
• more than the proportionate part of the value of an article belonging to a pair or set in the event of loss or damage.
• bonds, stamps, identity documents, credit and payment cards, travel documents, cash, stocks, negotiable instruments and securities or documents of any kind.
• contact or corneal lenses, eye glasses, hearing aids, prosthetic limbs, artificial teeth or dental bridges or dentures.
• cosmetics of any kind.
• accessories of any kind including fashion accessory.
• traditional herbs, perishable and consumable goods or bottles or any subsequent damages caused as a result thereof.
• pedal cycles, wheel chairs, prams, pushchairs or baby buggies other than while they are being conveyed by public transport services and carrier.
• property more specifically insured elsewhere.
• ersonal money.
• fragile articles, musical instruments, sculptures and household goods.
• mobile phones, pagers, portable computer equipment (other than notebook computer), personal digital assistant, tablet computer and the like, including their peripherals and accessories.
• sports equipment.

SECTION 4 – LUGGAGE DELAY For each insured person we will pay: RM200 for every six (6) consecutive hours up to RM800 if your accompanying checked-in luggage is delayed from the time of arrival at the destination overseas. In the event your accompanying check-in luggage is delayed upon returning to Malaysia, for each insured person we will pay RM200 after six (6) consecutive hours. In respect of domestic trip, for each insured person we will pay RM100 for every six (6) consecutive hours up to RM400 if your accompanying check-in luggage is delayed from the time of arrival at your planned destination in Malaysia. It does not cover delay of your luggage upon your arrival home. For each insured person we will not pay if: 1. claims not declared to an authorized personnel of the carrier if your luggage is late or lost. 2. your luggage is legally delayed, held or confiscated by Customs, the police or other officials

• or theft of personal money left unattended in a public place or as a result of your failure to take care and precaution for the safeguard and security of such money.
• personal money from an unattended vehicle unless secured and contained in its locked boot or in the locked glove compartment of such vehicle and out of view and there was visible evidence of forced entry.
• personal money in a suitcase while in transit by air or in sea-going vessel or a train and outside your control.
• personal money in your suit or jacket which is left unattended in a public place or while in transit by air or in a sea-going vessel or a train and outside your control.
• travellers cheques where the banker provides a replacement service.
• or damage whilst in the custody of an airline or other carrier, unless reported immediately on discovery and in the case of an airline, a property irregularity report obtained.
• postage stamps or credit cards of any kind.
• or damage caused by detention or confiscation by any government officials or authorities.
• or theft of passport and travel documents left unattended in a public place or as a result of your failure to take care and precaution for the safeguard and security of the travel documents.
• passport and travel documents in a suitcase while in transit outside your control.
• passport and travel documents in your suit or jacket, which are left unattended in a public place or while in transit outside your control.
• or damage whilst in custody of an airline or other carrier, unless reported immediately on discovery and in the case of an airline, a property irregularity report obtained.
• any additional expenses incurred in obtaining the replacement of loss of your passport and loss of travel documents in Malaysia.
• leads to widespread violence;
• is not due to purposes of asserting sovereign rights and/or operating on behalf of a sovereign state;
• will put the insured person’s life in danger; and
• following warning through the mass media by the Malaysian government or the government of the destination country declaring it unsafe to visit
• your failure to obtain the required passport or visa.
• any government requirement, regulation or act.
• delay caused by carriers or re-scheduling in Malaysia or the delayed departure at any point in or overseas during the journey if you choose to abandon the trip.
• act, delay or amendment of the booked itinerary or failure in the provision of any part of the booked trip including error, omission or default by the transport or accommodation provider or their agent or any person acting as your agent of any service forming part of the booked holiday or accommodation as well as of the agent or tour operator through whom the holiday or accommodation was booked.
• you arranging your journey through an unlicensed travel agent.
• your financial circumstances.
• your disinclination to travel or your loss of enjoyment of the journey.
• weather conditions other than severe weather conditions in Malaysia, which prevent you from getting to the airport or port in time to catch your flight or ship.
• will put your life in danger; and
• following warning through the mass media by the Malaysian government or the government of the destination country declaring it unsafe for travel.
• your failure to check in at the airport, station or port according to the travel itinerary given to you.
• your late arrival at the airport, station or port after check in or booking in time (except for the late arrival due to industrial action).
• compensation unless you have obtained written confirmation from the airline, railway or shipping line or their handling agents showing the scheduled departure time and the actual departure time of the flight, journey or sail.
• travel delay arising from strike or industrial action which commenced or was announced before purchase of the insurance.
• failure of public transport services arising from strike or industrial action which commenced or was announced before the date of departure from your home.
• reschedule flights by carriers before the commencement of the journey.
• your missed connection due your failure to check in at the airport, station or port according to the travel itinerary given to you.
• your missed connection due to your late arrival at the airport, station or port after check in or booking in time (except for the late arrival due to industrial action).
• compensation unless you have obtained written confirmation from the airline, railway or shipping line or their handling agents showing the scheduled departure time and the actual departure time of the flight, journey or sailing.
• missed connection due to the delay in departure caused by failure of the public transport services arising from strike industrial action which commenced or was announced before the date of departure from your home
• compensation unless you have obtained written confirmation from the airline, railway or shipping line or their handling agents showing the ticket is overbooked
• your failure other than mechanical breakdown of the public transport services to check in at the airport, station or port according to the travel itinerary given to you.
• late arrival at the airport, station or port after check in or booking in time (except the late arrival due to mechanical breakdown of the public transport services).
• failure of the public transport services arising from strike or industrial action which commenced or was announced before the date of departure.

SECTION 13 – TRAVEL REROUTE For each insured person we will pay: RM250 if your covered scheduled carrier is delayed for six (6) consecutive hours from the original schedule arrival time as specified in your printed itinerary due to rerouting of the scheduled carrier. The number of hours delayed must be verified and confirmed in writing by the operator(s) of the carrier. In respect of domestic trip, for each insured person we will pay RM125 for this benefit. This policy will only pay for one claim made either under Section 9 or Section 10 or Section 11 or Section 12 or Section 13.

SECTION 14 – LOSS OF TRAVEL DEPOSIT For each insured person we will reimburse:- Up to RM 7,500 for the loss of irrecoverable travel deposits or travel fares paid by you in advance due to a planned trip being cancelled because of insolvency of travel agent from whom you purchased the tour package For each insured person we will not pay for any losses:- 1. caused directly or indirectly by any government requirement, regulation or act. 2. covered by any other existing insurance scheme or government program. 3. deposits which will be refunded by a hotel, airline, industry compensation scheme, travel agent or any other travel services or accommodation. 4. insolvency which occurred or for which a bankruptcy was filed before the effective date of this cover. 5. caused by failure of any travel agent, person or agency to provide the travel arrangements for reasons other than insolvency. 6. more than RM22,500 in respect of coverage effected under the Family Plan. 7. if this insurance is not purchased at least seven (7) days before the commencement date of your journey. This benefit is not applicable on domestic trip

• your failure to comply with all the requirements of the rental agreement.
• you taking part in or practising for speed or time trials of any kind.
• you not in possession of a valid driving license.
• suffered by anyone under the Contract of Service with you or any family member and arising out of the work they are employed to do.
• to any family member.
• arising out of any deliberate act or omission.
• any wilful, malicious or unlawful act by you or any family member.
• arising out of your own employment, profession or business or that of any family member.
• arising from your ownership, care, custody or control of any animal.
• where indemnity is provided under any insurance assumed by you by agreement which would not have attached in the absence of such agreement.
• any land or building or the use thereof by or on your behalf other than your temporary journey
• property belonging to or held in trust by or in the charge or control of you or any family member.
• mechanically propelled vehicles and any trailers attached.
• aircraft, motorised waterborne craft or yacht.

SECTION 17 – LOSS OF USE OF HOTEL FACILITIES For each insured person we will pay: RM200 for each day of unavailability of prepaid hotel accommodation up to a limit of RM2,000 in respect of the additional expenses incurred for alternative accommodation in the event that you suffer loss of booked hotel accommodation as a result of fire, flood, riot, strike or industrial action during your journey overseas. To qualify for this benefit, you must have checked-in in accordance to the original itinerary and obtained written confirmation from the hotel or their handling agents stating the duration and reason for finding alternative accommodation. In the event that you are prevented from checking-in to the pre-booked hotel accommodation due to the contingencies mentioned above, you must obtain a written confirmation from the hotel or their handling agents stating the duration and reason for finding alternative accommodation. For each insured Person we will not pay for: fire, flood, riot, strike or industrial action which has commenced or has been announced on or before the date of arranging this insurance. This benefit is not applicable on domestic trip

SECTION 18 – HOME PROTECTION (benefit under this Section is not applicable to non-resident) For each insured person we will pay: RM500 if you suffer loss or damage to your home contents that was caused by burglary or fire to your home while it is left vacant during your journey For each insured person we will not pay for any of the following events or situations: 1. any loss or damage occasioned through your wilful act or involvement. 2. loss (whether temporary or permanent) of your property or any part thereof by reason of confiscation, requisition, detention or legal or illegal occupation of such property or of any premises, vehicle or thing containing the same by any government authorities. 3. consequential loss or damage of any kind. 4. motor vehicles, boats, livestock, bicycles and any equipment or accessories relating thereto. The benefits of this Section do not apply to a child insured person. This benefit is not applicable on domestic trip.

SECTION 19 – ADVENTUROUS ACTIVITY COVER Notwithstanding General Exception 3(k), this Policy is extended to cover the insured person in respect of Section 1 – Personal Accident and Section 2 – Medical and Other Expenses which may be sustained resulting from engaging in or practicing for: a) Bungee jumping b) Sky diving c) Hang-gliding d) Helicopter rides for sightseeing e) Hot air ballooning f) Jet skiing g) Mountaineering at mountains below the height of three thousand (3,000) metres above sea level necessitating the use of ropes and other climbing equipment h) Skiing or snowboarding all within official approved areas of a ski resort i) Canoeing or white water rafting with a qualified guide and up to Grade 3 (of International Scale of River Difficulty) j) Underwater activities involving artificial breathing apparatus for diving up to a maximum depth of thirty (30) metres with a qualified diving instructor and with recognised diving certification Provided always that the above activities are done on an amateur basis and for leisure purpose with a licensed operator during your journey. All other terms, conditions and exclusions of this policy continue to apply

• noculation and Visa Requirement Information MSIG Assist shall provide information concerning visa and inoculation requirement for foreign countries, as those requirements are specified from time to time.
• Exchange Rate Information MSIG Assist shall provide information regarding the exchange rate of major currencies against the United States Dollar.
• Weather Information MSIG Assist shall provide information regarding the weather and temperatures of major foreign cities.
• Banking Days Information MSIG Assist shall provide information regarding the banking days of foreign countries.
• Embassy Referral MSIG Assist shall provide information regarding the address, telephone numbers and opening hours of the nearest appropriate consulates and embassies worldwide.
• Lost Luggage Assistance MSIG Assist will assist with your lost luggage while travelling overseas by referring you to the appropriate authorities involved and providing directions for recovery.
• Interpreter Referral MSIG Assist will assist you by providing the names, telephone numbers and if possible and if requested, opening hours of interpreters worldwide.
• Legal Referral MSIG Assist will assist you by providing the names, telephone numbers and if possible and if requested, opening hours of legal practitioners and lawyers worldwide.
• Emergency Message Transmission In the event of an emergency or when you are hospitalised, MSIG Assist will undertake to keep your family informed when requested by you to do so.
• Emergency Travel Assistance MSIG Assist will assist you by arranging for replacement of tickets and emergency ticketing while travelling overseas.
• Children Escort Assistance Should your dependent children require an escort to travel with them, MSIG Assist will arrange for a child escort. MSIG Assist shall not be responsible for the payment of the escort, air ticket and related charges incurred for providing such service, which shall be your responsibility.
• Emergency Cash Advance Assistance MSIG Assist will provide you with an emergency cash advance whilst travelling overseas subject to first securing a payment guarantee from your family member(s) or anyone appointed by you to do so. MSIG Assist shall not be responsible for the case fee, cost of third party charges and related charges incurred for providing such service, which shall be your responsibility
• Telephone Medical Advice MSIG Assist will arrange to provide medical advice over the telephone.
• Medical Referral Service MSIG Assist upon request, shall provide the names, addresses, telephone numbers and, if available, office hours of physicians, hospitals, clinics, dentists and dental clinics. MSIG Assist shall not be responsible for determining the appropriate medical specialty for handling your particular problem nor for providing medical diagnosis or treatment. Although MSIG Assist shall make such referrals, it cannot guarantee the quality of the Medical Service Provider or the medical facility and the final selection of a Medical Service Provider or the medical facility shall be your decision. MSIG Assist however, will exercise care and diligence in selecting the Medical Service Providers.
• Arrangement of Hospital Admission If your medical condition is of such gravity that hospitalisation is needed, MSIG Assist will arrange for your hospital admission.
• Guarantee of Medical Expenses Incurred during Hospitalisation MSIG Assist will, whenever authorised by MSIG, assist you by guaranteeing on their behalf of your necessary accidental medical expenses incurred during your hospitalisation.
• Monitoring of Medical Condition when Hospitalised MSIG Assist will monitor your medical condition during your hospitalisation.
• Arrangement of Emergency Medical Evacuation MSIG Assist will organise air or surface transportation, medical care during transportation, communications; and all usual ancillary services made available to MSIG Assist which are required when transferring you to the nearest hospital where appropriate medical care is available. MSIG Assist will provide from the alarm centre the appropriate communications, equipment facilities and linguistic capabilities, appropriate mobile equipment and medical escort crew.
• Arrangement of Transportation of Mortal Remains MSIG Assist will arrange for the transportation of mortal remains to Malaysia or arrange for the local burial as requested by your family members.
• Arrangement of Compassionate Visit (benefit under this Section is not applicable to non-resident) MSIG Assist will arrange for a member of your family to be beside you if required by attending physician when you are hospitalised overseas.
• Arrangement of Return of Minor Children (benefit under this Section is not applicable to non-resident) MSIG Assist will arrange for the return of minor children home if they are left unattended as a result of your accident, illness or Emergency Medical Evacuation, including any supplementary costs of transportation to and from the airport. If necessary, MSIG Assist will also arrange for a qualified attendant to accompany any such dependent children for the return journey.
• Arrangement of Hotel Accommodation MSIG Assist will arrange for hotel accommodation for your companion during your hospitalisation. In the event you require hotel accommodation of convalescence, MSIG Assist will arrange on your behalf.
• The above services are purely on referral or arrangement basis only.
• MSIG Assist shall not be responsible for any third party expenses.
• Should the third party expenses be borne by you, the provision of financial guarantees by MSIG Assist is subject to MSIG Assist first securing payment from you through your credit card or from funds provided by your family
• war, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising military or usurped power, or
• the use or threat of force, violence and/or
• harm or damage to life or to property (or the threat of such harm or damage) including, but not limited to nuclear radiation and/or contamination by chemical and/or biological agents, by any person(s) or group(s) of persons, committed for political, religious, ideological or similar purposes, express or otherwise, and/or to put the public or any section of the public in fear, or any action taken in controlling, preventing, suppressing or in any way relating to (a) or (b) above.
• HIV (Human Immunodeficiency Virus) and/or any HIV-related illness including AIDS (Acquired Immune Deficiency Syndrome) however caused and/or any mutant derivatives, variations or treatment thereof however caused.
• delay, confiscation, detention, requisition, damage, destruction, or any prohibitive regulations by Customs or other Government Officials or Authorities of any country.
• ionising radiation or contamination by radioactivity from any nuclear waste from combustion of nuclear fuel.
• the radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
• mining, oil-rigging, aerial photography or handling explosive.
• any consequential loss unless specified in the Policy.
• any loss due to currency exchanges of any and every description.
• claims in respect of babies aged 30 days and below.
• any payment you would normally have made during your travel, if nothing had gone wrong.
• claims caused by reason which is of public knowledge when the insurance is purchased or when the trip is booked.
• insurance which is purchased after commencement of your journey.
• any loss due to your involvement in unlawful activities.
• any loss, injury, damage or liability arising directly or indirectly from travel in, to or through Afghanistan, Cuba, Democratic Republic of Congo, Sudan, Syria, Iran and Iraq.
• you travelling in a non-fully licensed passenger carrying aircraft.
• medication, which at the time of departure is known to be required or to be continued overseas.
• treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre.
• you receiving in-patient treatment or is on a waiting list for in-patient treatment.
• you have received a terminal prognosis.
• you intend to travel against the advice of a medical practitioner or are intending to obtain medical treatment during the journey.
• your suicide, self-injury or wilful exposure to peril (other than in an attempt to save human life).
• you being under the influence of drugs or other substance abuse (other than those prescribed by a registered medical practitioner but not when prescribed for the treatment of drug addiction).
• solvent abuse.
• you being under the influence of alcohol or intoxicating liquor.
• you participating in a hazardous adventure.
• your pregnancy, childbirth, miscarriage, abortion or menopause.
• sexually transmitted diseases.
• pre-existing condition.
• cosmetic surgery.
• non-emergency medical check-ups.
• failure to obtain required vaccinations before departure.
• illness or disorders of a psychological nature, nervous depressions, any anxiety state and/or nervous depressions, mental illness.
• motorcycling (as a rider or pillion).
• any event that has occurred resulting in you not being able to or incapable to travel and such event was made known to you or which you were aware of at the time you took out your policy or when the journey was booked (whichever is later).
• electronic circuit, microchip, integrated circuit, microprocessor, embedded system, hardware, software, firmware, programme, computer, data processing equipment, telecommunication equipment or systems or any similar device.
• media or systems used in connection with any of the foregoing.
• recognising using or adopting any date, day of the week or period of time, otherwise than as or other than the true or correct date, day of the week or period of time.
• the operation of any command or logic, which has been programmed or incorporated into anything, referred to in (a) and (b) above.
• * Excess of RM50 per claim.
• º This insurance will only pay for one claim made either under Section 9,10,11,12 or 13.
• ^ This benefit is not applicable to non-residents.
• **Subject to overall limit for medical expenses

Single Trip

Annual cover - insured only (premium inclusive of 6% st), 1. who is eligible to apply.

All Malaysians, Permanent Residents, Non Residents, Work Permit/Employment Pass Holders or otherwise legally employed persons in Malaysia and their Dependents are eligible to apply. Family Plan is permitted for Single Trip only and the age limit of child is above 30 days and below 18 years. For Annual Cover, all applicants must be between 18 to 69 years old at first enrolment. Cover may be granted beyond age 70 provided you are enrolled in the Plan before that age and have remained continuously covered thereafter, up to the maximum age of 80.

2. Can I buy a separate cover for my child?

Yes, and the rate charged is based on the individual plan and for Single Trip only and all the benefits are the same except for Death Benefit which is RM62,500, and one of the Parent must sign the proposal form on the life of the Insured Person.

3. I suffer from medical and physical conditions. Can I claim for medical/hospital and other related expenses if I require treatment while on my trip?

No, the policy excludes pre-existing conditions i.e. any illnesses or injury for which the Insured contracted, diagnosed or treated during the 12 months prior to the journey and whether or not treatment, medication or advice was sought or received prior to the commencement of the journey.

4. Can I continue my medical treatment for any injury sustained during my overseas trip, after my return home?

Yes, you have a maximum of 45 days to undergo follow-up treatment up to RM30,000 but subject to the overall medical expenses limit of RM300,000 or RM150,000 if you are above 70 years of age

5. Can I claim for travel delay in the event of a terrorist attack at the Airport?

No. Terrorism Extension only covers the Insured Person in respect of death or bodily injury sustained through acts of terrorism provided that such acts of terrorism do not involve the use of biological, chemical agents or nuclear devices.

6. Can I seek reimbursement for non-refundable expenses which I had paid if I have to cancel my trip due to a serious illness?

Policy will pay if your trip is cancelled due to serious injury or sickness which required hospitalisation or compulsory quarantine and unfit to travel as certified by a Medical Practitioner. For this section to be payable, the insurance must be purchased no later than seven (7) days before the commencement date of your journey.

7. How do I cancel my policy and get a refund of the premiums paid?

No refund of premiums will be allowed once the MSIG TravelRight Plus Insurance policy is issued.

8. How do I make a claim?

• Notify MSIG immediately as soon as you have returned from abroad in respect of any event that may give rise to a claim.
• Complete the relevant sections of the claim form relating to your claim. Then submit the claim form together with the following documents:
• Tour Operator's Confirmation of Booking Invoice
• Copies of Airline tickets, electronic tickets or boarding passes
• Original receipts for all medical bills and reports and confirmation of admittance and discharge from hospital of medical claims
• Original receipts for all items claimed
• Irregularity report from airline if baggage is lost or damaged by the airline
• Written confirmation from airline/shipping lines regarding the period of delay and the reasons if you are claiming for Luggage Delay/Travel Delay/Missed Travel Connection/Travel Overbooked/ Missed Departure/Travel Reroute
• Police Report & Currency Exchange Slip for Money and Theft Claims
• Written confirmation from hotels or handling agents in respect of claim for loss of use of hotel facilities
• Police Report or Bomba Report for claim on Home Protection

9. How do I enrol for the policy?

Just complete the attached proposal form and send it to us or your insurance adviser, for immediate processing.

10. How do I lodge a complaint if I am unhappy with the product or services?

If you have a complaint about the product or services about us, or you are not satisfied with the rejection or offer of any settlement of a claim, you should first try to resolve the complaint with our Customer Service Centre. If you are still not satisfied with the decision, you can write either to the Customer Services Bureau of Bank Negara Malaysia or the Ombudsman For Financial Services, free of charge

Notice: Service Tax implementation effective 1 September 2018

Please be informed that a 6% Service Tax will be charged with effect from 1st September 2018 for all taxable general insurance policies with period of insurance commencing on or after 1st September 2018 or policies spanning across 1st September 2018 (pro-rated charge).

You are obligated to pay any applicable taxes (which include but not limited to service tax and stamp duty) imposed by the Malaysian tax authorities in relation to this Policy.

We are in the midst of updating our brochures and product materials to reflect the Service Tax. The materials will be ready in due course.

Mrs Tan, aged 60, On the third day of their tour, Mrs. Tan slipped and fell and fractured her leg. She was immediately hospitalised and after 3 days, the Tan family decided that it would be better to transfer Mrs Tan back to Malaysia. It was enough to cover all the hospital bills in Shanghai, plus the cost of the medical evacuation. They paid only RM58 each in premiums and were covered for RM300,000 for medical expenses that included follow-up treatment in Malaysia. Today, Mrs Tan is well on the road to recovery and is already planning another trip. But it'll be short and relaxed, nothing too taxing, and I certainly will make sure that we have purchased travel insurance for the trip!

Madam Wong, aged 69, sustained a fall whilst on a tour in ChoShan Island. She sustained a fracture femur and was awarded at the local hospital at ChoShan. Her tour leader immediately contacted ISOS, our MSIG Assist for assistance. Due to the limited medical facility at this hospital coupled with the patient's fragility, it was decided to evacuate her back to Malaysia for treatment before her conditions deteriorated. Air ambulance was arranged, and with a medical escort team, Madam Wong was brought back to Malaysia just 3 days after the accident. Upon arrival at the airport, an ambulance awaited, and transported her to the University Malaya Specialist Centre where she was operated upon, and discharged three days thereafter. And Madam Wong is now on the road to recovery.

Head Office

59-1 & 61-1 Jalan Melati Utama 4

Melati Utama, 53100 Kuala Lumpur

Insurnet Hotline

Tel : 03-4108 9920 (General)

019-674 2928 (General)

016-603 2928 (Extended Warranty)

019-337 2928 (Extended Warranty)

Fax : 03-4108 9921

[email protected]

Extended Warranty claim related: [email protected]

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Personal Accident - UP TO RM200,000

Medical & Other Expenses - UP TO RM300,000

Hospital Income - UP TO RM3,000

Emergency Medical Evacuation - UP TO RM300,000

Luggage & Personal Effects - UP TO RM5,000

Luggage Delay - UP TO RM600

Personal Money - UP TO RM800

Travel Documents - UP TO RM5,000

Cancellation - UP TO RM15,000

Curtailment - UP TO RM15,000

Travel Delay- UP TO RM2,000

Missed Departure- UP TO RM1,000

Personal Liability - UP TO RM1,000,000

24 Hour Worldwide Assistance

• Applicable to Malaysians, Malaysian Permanent Resident and work permit holders legally employed in Malaysia.
• Flight Delay cover shall not be granted if you travel in a chartered flight.
• Each trip must begin and end in Malaysia except One Way Cover.
• An overseas trip shall involve return to Malaysia within the period of insurance and in no event to exceed 185 days.
• Any extension of cover are not allowed during the trip or after you have departed for your destination.
• An excess of RM50 is applicable to certain sections. Please see Choice of Plan.
• War and related risks.
• Government Regulations or Acts or Authorities of any country.
• Hazardous adventure.
• Suicide, self-inflicted injury or illness.
• The effect or influence (temporary or otherwise) of alcohol or drugs.
• AIDS, AIDS-related complex and sexually-transmitted diseases.
• Pre-existing medical conditions.
• Pregnancy, childbirth, abortion, or miscarriage.
• Illness or disorders of a psychological nature, any anxiety state and/or nervous depressions and mental illness.
• Manual work in connection with any trade, employment or profession.
• Travelling in an aircraft (other than as a passenger) in a fully licensed passenger-carrying aircraft and for no other purpose.

• Travel Insurance

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Travelright plus insurance business, leisure or adventure travel. we’ve got you covered. purchase via connect online banking now.

• Features & Benefits
• Premium Table
• Product Disclosure Sheet

TIPS Brochure

Sick or injured.

Our travel insurance covers your medical & treatment expenses up to RM400,000

More details

Less details

Love adventure?

Bungee jumping, skydiving, mountaineering and more. Consider us your safety net.

Canceled trip & missed events

We cover up to RM50,000 for travel cancellation. Missed event due to travel delay? We’ve got that covered too!

Terms & Condition Apply.

Please refer to policy documents for full coverage.

Underwritten by MSIG Insurance (Malaysia) Bhd.

Personal accident & liability

Rest easy with coverage of up to RM1,000,000 for personal liability and up to RM350,000 for personal accident.

Single Trip

Annual Cover – Insured Only (Premium inclusive of 6% ST)

Subject to Government Tax, if applicable.

Family includes you, your legal spouse and unemployed and unmarried child(ren), aged above thirty (30) days and below eighteen (18) years of age.

Please refer to Full Premium Table for more information.

Underwritten by MSIG Insurance (Malaysia) Bhd

Travel Insurance Product Disclosure Sheet

The information provided on this page is not a contract of insurance. The descriptions of cover are a brief summary for quick and easy reference. The precise terms and conditions that apply are in the policy document.

This plan is underwritten by MSIG Insurance (Malaysia) Berhad, and distributed by Hong Leong Bank Berhad. The Bank accepts no responsibility or liability for the plan or the products and services offered by MSIG Insurance (Malaysia) Berhad

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Frequently Asked Question

• Single or Annual Trip?
• Domestic or Overseas Trip?
• Individual or Family Trip?
• Takaful or Conventional ?
• Full or Common Coverage?
• Covid-19 coverage (complications, quarantine costs)
• Medical expenses
• Accidental death and disablement
• Trip cancellation/travel disruptions
• Emergency evacuation
• Natural disasters

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AIG Travel Insurance

A complete travel protection that covers flight delay, loss of personal belongings, trip cancellation, medical expenses & more.

Travel Insurance Overview

No matter where your next holiday destination is, we’re here to keep you safe during your holiday.

We provide comprehensive travel insurance protection including COVID-19 coverage for you to fully enjoy your trip.

Our most popular features include

Overseas  COVID-19 coverage such as Medical Expenses up to RM700,000 , Quarantine Allowance and more. 

Reimbursement up to RM1 million (including cashless hospital admission)

If your trip is cancelled due to covered events , we’ll reimburse up to RM15,000

Lump sum payout up to RM400,000

Wherever you are in the world,  we’re ready to help 24/7.

If you get into an accident in a rented car during the trip,  we’ll cover the excess charges up to RM3,000.

Instant and easy online purchase  for your next trip.   Buy online here>

COVID-19 Coverage

In the event you are diagnosed with COVID-19, we will provide you COVID-19 coverage including Medical and Emergency Evacuation & Repatriation Expenses up to RM700,000, Travel Cancellation, Travel Curtailment and Quarantine Allowance benefits (applicable to Basic, Standard or Deluxe Plan only).

Medical Expenses (including cashless hospital admission)

If you are hospitalised due to accident or  illness (excluding pre-existing conditions),  AIG Travel Insurance will cover the hospitalisation expenses incurred up to RM1 million. Our travel assistance team is on call by phone to provide you emergency travel assistance, ensuring you receive appropriate medical care.

Comprehensive coverage

AIG Travel Insurance provides you with coverage for domestic and overseas medical expenses, trip cancellation, travel interruptions and delays, emergency medical expenses, medical evacuation costs and lost, damaged or delayed baggage.

Personal Accident cover

You can get lump sum payout up to RM400,000 if you suffer from an accidental death or permanent disablement during your trip with AIG Travel Insurance.

Trip cancellation cover

Don't worry about the costs of transport & accommodation due to your trip cancellation. We’ll reimburse you the non-refundable expenses if your trip is cancelled due to specific events, within a specific time before your departure date.

Natural disasters

AIG Travel Insurance will pay for travel inconveniences related expenses against natural disasters such as earthquakes, floods and volcano eruptions, occurring at the country of travel.

Our own global assistance service

We have a fast and efficient 24-hour Emergency Assistance Team available to assist you in the event of injury following an accident or if you are ill and require hospital attention abroad.

Travel Inconvenience

We provide you coverage for travel inconveniences such as travel delays, loss or damage to your personal belongings, fraudulent use of credit card, car rental excess charges and more.

* Coverage differs according to product & plan. Please refer to policy wording for full details of coverage and exclusions.

Skip The Odds Video | Trip Cancellation

When emergency strikes, your travel plans might have to be cancelled and losing all your non-refundable expenses due to unexpected events is the worst part of travelling. The Skippers learned this the hard way. Keep your trip protected and your wallet healthy with  AIG Travel Insurance !

#AIGSkipTheOdds #AIGJagaYou

*Terms and conditions apply.

SKIP THE ODDS | MEDICAL EXPENSES You'll never know when injuries happen during your travel, so learn from the Skippers and protect yourself against unexpected medical expenses.

SKIP THE ODDS | FLIGHT DELAY Think you’re safe from flight delays? The Skippers thought they were as well. But unlike them, don’t let this be the end of the trip you’ve dreamed about.

SKIP THE ODDS | LOSS OF PERSONAL BELONGINGS Losing a luggage is a hassle. Imagine losing your phone too! Unlike the Skippers, you have the choice to not let this mishap interrupt the rest of your trip.

How we helped our customers - Actual Travel Claim Stories

While traveling in the united kingdom, an insured sustained a hip injury and underwent a surgery...more.

An insured fell while travelling in the United Kingdom and sustained a hip injury. Due to the severity of the injury, the insured underwent a surgery and was discharged two weeks after.

Escorted by an AIG medical nurse, the insured safely returned home to Malaysia. The total cost of medical treatment and repatriation amounted to approximately RM80,000 was fully covered under the insured’s travel policy with us.

* This case is based on a real AIG claim. Name and personal details of the insured have been withheld for privacy purposes.

On his trip to Laos, while golfing, an insured sustained rib fractures, and had to be repatriated home...more

An insured was golfing in Laos and was accidentally knocked over by a buggy. The insured sustained multiple rib fractures with chest contusion and abrasion wounds. Due to the severity of the injuries, the insured was admitted to a hospital in Thailand and was monitored conservatively.

Upon discharge, the insured was repatriated home to Malaysia escorted by an AIG nurse and with special flight arrangements, which included additional oxygen supplies on flight, as well as ground ambulance and wheelchair arrangements. The insured was directly admitted to a medical facility upon touchdown for further medical care.

The medical and repatriation expenses of almost RM40,000 were fully covered under the insured’s travel policy with us.

Read more Actual Travel Claim Stories >

Quote & buy online, before your next trip!

We'll ask you the below information to get a quote & buy online :

Your trip destination and period

How many people to cover

The level of cover you need - View a selection of plans along with sum insured and premium

24/7 Worldwide Travel Assistance

To contact Travel Guard from anywhere in the world, call:

+60 3 2772 5600

Read more about our types of Travel Assistance Services here>

Downloads, Claims

• Product Disclosure Sheet 
• Policy Wording 
• Policy Amendment Form 
• Direct Debit Authorization Form
• Beneficiary Nomination Form 
• Make A Claim 
• Travel Claim Checklist 
• Travel Claim Notification Form 
• Claims Payment Method Form

Please be advised that the military conflict between Russia and Ukraine may impact travel insurance coverages and benefits, and AIG Travel’s ability to provide certain travel-related assistance services, for travel to, from or within the affected areas.

1. What is Travel Insurance?

Travel Insurance is a comprehensive insurance plan for domestic and overseas travel.  The major benefits provided are medical related benefits, personal accidents benefits, travel inconvenience & other travel-related benefits and 24-hours worldwide travel assistance.  Additionally, you can choose to purchase our optional rider benefit which extends your coverage to include your golfing equipments and your participation in special sports such as winter sports activities & scuba diving.

2. How much premium do I have to pay?

The premium varies depending on your choice of plan, destination and duration of cover selected.  Premiums are inclusive of Service Tax (ST) of 8% and is applicable for Domestic trips. 

3. How do I buy my Travel Insurance?

You can buy your Travel Insurance in any of the following method:

1.  Buy online  on our website; or 2.  Locate & contact an agent  to buy

4. Who is eligible to purchase?

(a) A Malaysian citizen, Malaysian permanent resident, or a holder of a valid work permit or employment pass (of which your place of employment must be in Malaysia during the policy period), dependent pass, student pass or long-term social visit pass not including travelling visa (that is issued by the relevant governmental authority in Malaysia), with full rights to enter into and return to Malaysia regardless of medical status; (b) You must be returning to your home (primary residence within Malaysia) at the end of your travel, or be intending to return home on completion of your travel; (c) Your travel pre-arrangements must be made and paid for in Malaysia prior to your trip and your trip must commence in Malaysia; and (d) You need to be a resident in Malaysia.

Any residents of Cuba, Iran, Syria, North Korea or the Crimea region will not allowed to purchase this policy.

5. What are some of the key terms and conditions that I should be aware of?

Importance of disclosure: 

i. You must disclose all material facts which will affect the risk profile such as your age and occupation. ii. Any fraud, deliberate misrepresentation of material facts or non-disclosure of information in connection with the application for this policy or when making a claim will invalidate the policy and any benefit due will be forfeited and any benefit that has previously been paid must be repaid to us in full.

6. When does my coverage for the overseas trip begin?

(a) Travel Cancellation Per Trip plan – 24 hours from the purchase of the policy, unless due to an accident in which cover commences from the policy purchase date. Annual plan – 24 hours from the purchase of the policy or after travel is booked whichever occurs later, unless due to an accident in which cover commences from the travel booking date. Cancellation of a scheduled trip due to death, permanent total disablement or hospitalization must occur within 60 days prior to your original scheduled departure and for other covered events, it must occur within 14 days prior to your original scheduled time of departure. 

(b) Travel Delay and Accidental Death & Disablement within 12 hours prior to departure from Malaysia. 

(c) All other benefits upon departure from Malaysia.

7. I am holding a one-way ticket. Can I purchase Travel Insurance?

Yes. For one-way travel, coverage terminates 5 days upon your departure from Malaysia.

8. Can I buy more than one Travel Insurance policy for the same trip?

If you are covered by more than one policy, we will cover you based on the policy which provides the highest benefit level.

9. Are activities such as winter sports & scuba diving covered?

Our Special Sports rider (optional) extends your coverage if you choose to participate in winter sporting activities & scuba diving (up to 30m), with the proper conduct, guidance and supervision by a licensed operator.*

*Does not involve engaging, practicing or participating in a semi-professional or in a professional capacity or where income or remuneration can be earned from in such sports.

10. Is the benefit payable by per incident or per trip?

Sum insured listed in the schedule of benefit is payable based on per incident.

11. Who do I contact for an emergency assistance or if I need to be admitted to a hospital while overseas?

Please call our 24 Hours, 7 Days worldwide travel assistance at +603-2772 5600.  You may reverse charge the call where this service is available. 

If you are unable to do so during an emergency, seek treatment first, and contact our worldwide travel assistance at +603-2772 5600 as soon as possible.

12. What is the definition of Immediate Family Members?

It refers to the legal spouse, child, parent and their siblings, parent-in-law, grandparent, grandparent-in-law, grandchild, sibling, sibling-in-law, niece or nephew of the insured.

13. I am travelling to multiple countries, do I need to buy a separate plan for each country? Which region should I select?

If you are traveling to multiple destinations within the same trip, you can be covered under one policy.

14. Can I cancel my policy and get a refund?

No refund of premium is allowed once the policy has been incepted.

15. How do I submit a claim and how long does it take to process a claim?

Please click  here  to view our 3 easy steps to make a claim.

It takes 30 working days to process a claim, upon receiving complete documentation and provided that there is no further information or investigation required.

16. What should I do if the airlines loses my baggages?

Lodge a report and seek compensation from the airline. You may file in your  claim  for the loss not compensated by the airline.

17. Will I be covered for an illness that I am already suffering from or have suffered in the past?

No. We do not cover any pre-existing condition occurring within 1 year prior to the policy effective date.

18. Can I continue my medical treatment in Malaysia for injuries sustained overseas?

Yes. If you suffer from a disability while travelling on an overseas trip and subsequently seek follow-up treatment in Malaysia, we will reimburse the medically necessary expenses incurred within 30 days upon arrival to Malaysia, subject to the medical expenses limit specified in the schedule of benefit (available for Standard and Deluxe plan only).

19. If I fall down overseas but do not seek treatment overseas, can I claim for medical expenses if I seek treatment after returning to Malaysia?

Yes, only if the treatment is sought within 24 hours from the date of arrival in Malaysia. We will reimburse the medically necessary expenses incurred within 30 days upon arrival to Malaysia, subject to the medical expenses limit specified in the schedule of benefit (available for Standard and Deluxe plan only).

20. Are dental expenses or pregnancy-related matters covered?

No, dental expenses and pregnancy-related matters are not covered, unless they are direct consequences of an accident.

21. I need to cut-short my trip because my father is hospitalized in Malaysia. What am I covered for?

You will be covered for additional cost of travel and accommodation up to an amount of RM 1,000 and/or unused and non-refundable expenses which is paid in advance and not recoverable from any relevant parties.

22. Can I file a claim if my baggage is stolen where it is left outside on a bench while I am checking in?

No, we do not cover for loss of baggage left unattended in any public place, as the policy excludes any failure of the insured to take reasonable efforts to safeguard his/her property.

23. Can I claim for travel cancellation if I cancel my trip because of political unrest at my planned destination?

Yes, travel cancellation covers any event below which occurs within 14 days prior to original scheduled departure which:

(a) leads to widespread violence;

(b) is not due to reasons for purposes of asserting sovereign rights and/or operating on behalf of a sovereign state;puts your life in danger; and

(c) following the advise and/or warning of the Malaysian government or the government of the destination country declaring unsafe conditions for travel through or by general mass media. 

However, this policy excludes strikes or events due to an act of war, assertion of sovereignty, insurrection, revolution and use of military power.

24. What should I do if I lose money whilst abroad?

Yes. You must make a report to the local police within 24 hours after the incident. Please click  here  to view our 3 easy steps to make a claim.

25. Will I be covered if my belongings are pick-pocketed while traveling overseas?

26. does travel insurance cover for natural disasters.

Yes. Natural disasters including but not limited to volcanic eruption, flood, earthquake, tsunami, hurricane or wildfire are covered events under our policy.

27. If I transit in Australia (Cluster 3) during my trip to New Zealand (Cluster 2) but I am not stopping over in Australia, what region should I buy?

If you transit in Australia with no stop over, you may purchase a Cluster 2 plan.

If you transit in Australia with a minimum stop over of 1 night because there is no connecting flight, you may purchase a Cluster 3 plan.

28. Can a child purchase an individual policy and what is the premium and benefits?

A child (aged between 30 days and above and up to 18 years) can purchase an individual policy but the policy must be issued under a parent or legal guardian’s name, i.e. on the life of (OTLO) the child’s name.

For example:

“Jack Tan OTLO Tan Mei Mei”.

The payable premium for a child is the same as for an adult.

Under the Family plan, a child is entitled to 25% of the Accidental Death and Permanent Disablement benefit and all other benefits are payable at 100%.

29. Can I purchase travel insurance after I depart and still be covered?

No. You must purchase the policy prior to your scheduled departure.

30. Can I extend my policy period after the commencement of my trip?

Coverage shall be extended at our sole discretion for up to 30 days from the expiry of the period of insurance without payment of any additional premium if you are hospitalized and/or quarantined overseas as recommended by a doctor or as a result of any circumstances beyond your control which is deemed reasonable by us prohibiting your return to Malaysia prior to the insurance expiry.

31. What is Car Rental Excess Charges benefit?

32. what is golf insurance rider and does the cover extend worldwide.

It covers you for any loss or damage to your golfing equipment and hole-in-one expenses.

Cover is worldwide except for United States of America and/or Canada and to countries where such payment would violate any prohibition or regulation or sanction that has been imposed by the Malaysian Government, the American Government and/or the United Nations.