Travel Insurance

Scope of Coverage

Travel Insurance protest against losses happen during travel.

 

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Protection Plan & Benefits

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.

1. PERSONAL ACCIDENT ENHANCED

  • Accidental Death
  • Permanent Total Disablement
  • Loss of one limb or loss of sight of one

2. CHILD EDUCATION FUND (NEW)

  • Pays as a result of Accidental Death of Insured Person who has has any Children for their education fund

3. MEDICAL & OTHER EXPENSES

  • Medical, Hospital & Other Expenses Reimburses expenses (including cost of emergency dental treatment) incurred during accident or sickness.
  • 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. Subject to Medical, Hospital & Other Expenses limit
  • Alternative Medicine NEW Reimburses medical expenses for traditional chinese medicine, osteopath, physiotheraphy and chiropractor
  • 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. Subject to Medical, Hospital & Other 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 a return trip economy class ticket. Subject to Medical, Hospital & Other Expenses limit
  • Medical Treatment in Malaysia Reimburses for follow-up treatment within 90 days upon return to Malaysia. Subject to Medical, Hospital & Other Expenses limit

4. HOSPITAL ALLOWANCE

  • Pays for each complete day you are confined in a hospital on top of medical costs incurred (RM350 per day)

5. QUARANTINED COVER AS A RESULT OF PANDEMIC INFLUENZA (NEW)

6. 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
  • Emergency Medical Repatriation In an 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
  • Repatriation of Mortal Remains ENHANCED Pays for the cost of burial or cremation in the locality where death occurs or the expenses of transporting the mortal remains back to MalaysiaTRAVEL INCONVENIENCES

7. 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)

8. 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

9. BAGGAGE DELAY ENHANCED

  • Pays if your checked-in baggage is delayed for each full 6 consecutive hours (RM200 for every 6 hours) upon arrival at your destination abroad

10. TRAVEL DELAY ENHANCED

  • Pays if the conveyance is delayed from the scheduled departure time for each full 6 consecutive hours delay (RM200 for first 6 hours delay and RM300 for every 6 consecutive hours thereafter)Cancellation due to the delay Reimburses for irrecoverable deposits/charges paid for the cancelled parts of the trip

11. LOSS OF DEPOSIT OR CANCELLATION

  • Reimburses for irrecoverable travel and accommodation expenses paid in advance, provided that the insurance is purchased within seven (7) days of the full payment of your trip

12. TRAVEL CURTAILMENT

  • Reimburses for proportional return of irrecoverable prepaid costs incurred, if it is necessary & unavoidable to curtail your trip

13. TRAVEL OVERBOOKED ENHANCED

  • Pays due to overbooked common carrier and no alternative transportation is made available to you. (RM200 for every 6 consecutive hours thereafter)

14. TRAVEL MISCONNECTION

  • Pays due to missed connection and no alternative transportation is made available to you within 4 hours

15. HIJACKING INCONVENIENCE ENHANCED

  • Pays for each full 24 consecutive hours of hijack (RM1,000/ 24 hours)

16. MISSED DEPARTURE

  • Reimburses for additional accommodation and travel expenses necessarily and reasonably 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

17. TRAVEL REROUTE ENHANCED

  • Pays if the arrival of the scheduled public conveyance is delayed for at least 6 hours due to rerouting

18. LOSS OF DEPOSIT OR FULL PAYMENT DUE TO INSOLVENCY OF AIRLINES NEW

  • In the event that before or on the departure date of your booked trip, the Airline from where you purchased your air tickets has absconded or is declared insolvent, we will reimburse you for the loss of irrecoverable full payment paid for the air tickets

19. LOSS OF CREDIT CARD (NEW)

  • Pays you for fraudulent usage of your credit card

20. PERSONAL LIABILITY

  • Indemnifies you for legal liability towards third parties or damage to their property due to your negligence

21. HOME CARE BENEFIT

  • Pays for damages to your home contents as a result of burglary or fire when your house is left vacant while you are travelling

22. 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

23. RANSOM PAYMENT AS A RESULT OF KIDNAPPING AND HOSTAGE NEW

  • Pays for the ransom payment as a result of kidnapping and hostage outside Malaysia
Travel from Malaysia to:

Area 1: Australia, Brunei, Cambodia, China (excluding Mongolia, Nepal & Tibet), Hong Kong, India, Indonesia, Japan, Korea, Laos, Myanmar, New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand, Vietnam and within Malaysia.

For Domestic travel within Malaysia (other than between East Malaysia and West Malaysia and vice versa) coverage under this policy is limited to Section 1, Section 3a (due to accidental causes only) and Section 3f (upon return from trip).

Area 2: Worldwide excluding USA/Canada

Area 3: Worldwide including USA/Canada

  •  Special Coverage

Terrorism, scuba diving and winter sports are covered.

** For detailed coverage, please refer to product brochures.
Product Brochures (pdf) | Product Disclosure Sheet (pdf)

Insurer: Axa Affin General Insurance Bhd

 

Important Notice!

The information of the insurance plan is up to date at the time of this website is published. As time goes on, the information could be amended or revised by the insurer and the authority. If such event happen, the insurer’s version is the most correct. For detailed coverage and protection, kindly refer to your policy contract.

 

 

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