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[Travel Insurance] Family, Area 2, 1-5 days

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RM 119.70
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RM 133.00
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[Travel Insurance] Family, Area 2, 1-5 days

Area 2: 
Europe, Tibet, Nepal and Mongolia and countries in Area 1 (Australia, Brunei, Cambodia, China, Hong kong, India, Japan, Korea, Laos, Maldives, Myanmar, New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand and Vietnam.)

Product Details


1. What is this product about?

MSIG  TravelRight  Plus  Insurance  is  a  comprehensive  insurance  providing  compensation  on mishaps and covered events during your journey within the policy period. For example, flight delays, loss of luggage, illness, accidents... the list goes on. When you are travelling, whether for  business  or  leisure,  you  can  be  assured  that  you  are  always  protected  throughout  your journey  with  this  policy.  You  can  opt  for  a  short-term  policy  on  a  single  trip  or  an  annual policy to cover unlimited number of trips in a policy year.

 

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.


2. What are the covers / Benefit provided?

This policy covers the following benefits:

           

Section 1

Personal Accident

-                Death /Permanent Disablement

-                Child Education Fund 

Section 2

Medical & Other Expenses

- Medical Expenses

- Alternative Medicine

- Follow-up Treatment in Malaysia (up to 45 days)

- Emergency Medical Evacuation & Bringing back to Malaysia

- Reptriation of Mortal Remains (including Burial & Cremation)

- Hospital Income

- Compassionate Care

- Child Care

Section 3

Luggage & Personal Effect*

Section 4

Luggage Delay

Section 5

Personal Money and Unauthorised use of Card

Section 6

Travel Document *

Section 7

Travel Cancellation *

Section 8

Travel Curtailment *

Section 9

Travel Delay

Section 10

Missed Travel Connection

Section 11

Travel Overbooked

Section 12

Missed Departure *

Section 13

Travel Reroute

Section 14

Loss of Travel Deposit

Section 15

Additional Costs of Rental Car Return and Rental Car Excess *

Section 16

Personal Liability

Section 17

Loss of Use of Hotel Facilities

Section 18

Home Protection 

Section 19

Adventurous Activity Cover

Section 20

Travel Worldwide Assistance Services

   Notes:

-     
Single  Trip  Cover  -  the  maximum  number  of  days  for  each  trip  shall  not  exceed  one hundred eighty five (185) days.
-     Annual Cover - the number of trips are unlimited provided each trip does not exceed ninety (90) days and within the period of insurance.
-     This Insurance will only pay for one claim made either under Section 9, 10, 11, 12, or 13.
-     *Excess of RM50 is applicable for each claim.
-     Benefit is not applicable to non-resident.

Duration of cover for Annual policy is for one (1) year. It may be renewed on each anniversary of the Date of Inception by payment of the premium determined by the Company at the time of renewal.

Please refer to sample policy contract for the full details of benefits. 


            3. What are the covered geographical areas

TravelRight Plus Insurance policy covers 4 geographical areas as defined below:

Area 1     Australia,  Brunei,  Cambodia,  China,  Hong  Kong,  India,  Indonesia,  Japan,  Korea, Laos,  Macau,  Maldives,  Myanmar,  New  Zealand,  Pakistan,  Philippines,  Singapore, Sri Lanka, Taiwan, Thailand and Vietnam.

Area 2     Europe, Tibet, Nepal and Mongolia and countries in Area 1.

Area 3     Worldwide  and  countries  in  Area  1  and  2  but  excluding  Afghanistan,  Cuba, Democratic Republic of Congo, Iran, Iraq, Sudan and Syria.


4. What are the plans available?

 

Single Trip (Area 1,2 or 3)

Annual Cover (Area 1 or 2 only)

Cover

-       Insured only

-       Insured & Spouse

-       Insured only

 
Notes:


-  
  For  multiple destinations including transit of more than twelve (12) hours, the widest geographical area will apply.
-    Travelling  between Peninsular and East Malaysia and vice-versa is part of your Annual TravelRight Plus Policy Cover.
-     Travelling    within  Peninsular  or  East  Malaysia  is  part  of  your  Annual  TravelRight  Plus Policy Cover but subject to domestic limit as specified in the benefits table and policy terms and conditions.
-    Annual  Cover is only applicable to persons aged from eighteen (18) to sixty-nine (69) years and renewable up to eighty (80) years.

 


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

  -  Importance of Disclosure  You must take reasonable care not to misrepresent when answering questions in the proposal form or in any request made by MSIG Insurance (Malaysia) Bhd (“Company”) and check the information you have provided is complete and accurate. You should also disclose all relevant information which may influence the Company in the acceptance of this insurance, decide the terms and the premium you will pay. If you do not take reasonable care and the information provided by you is incomplete or inaccurate, this may affect your claim. Your responsibility to provide complete  and  accurate  information  when  requested  by  the  Company  shall  continue until the time of you entering into, making changes to or renewing your insurance.

-   Each trip must begin and end in Malaysia except One Way Cover.

-   An  overseas trip shall involve the return to Malaysia within the period of insurance and in  no  event  exceed
one     hundred     eighty     five     (185)     days     for     Single     Trip     policy,     and ninety  (90)  days  for  Annual  policy.

-  Any extension of cover is not allowed during the trip or after you have departed for your destination.

-  The age limit of child is above thirty (30) days and below eighteen (18) years of age.

Cash Before Cover - The insurance shall not be effective unless the premium payable has been paid.


6. What are the major exclusions under this policy?

       -       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
             -       Receiving in-patient treatment or is on a waiting list for in-patient treatment
             -       Received a terminal prognosis from a medical practitioner
             -       Travelling against the advice of a medical practitioner, or in order to obtain medical advice or treatment abroad
             -       AIDS, AIDS-related complex and sexually transmitted diseases
             -       Pre-existing condition
             -       Pregnancy, childbirth, abortion or miscarriage
             -       Illness or disorders of psychological nature, any anxiety state and/or nervous depressions and mental illness
             -       Manual work in connection with any trade, employment or profession
             -       Travelling in a non-fully licensed passenger-carrying aircraft

Note:  This  list  is  non-exhaustive.  Please  refer  to  the  sample  policy  contract  for  the  full  list  of exclusions under this policy

7. What do I need to do if there are changes to my contact/personal details?

You must advise us in writing as soon as you are aware of any change in the employment, occupation, duties or pursuits of any Insured Person, or any other change which may increase therisk profile of this Policy. 

Benefits: 


 

 




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