Travel Pro Insurance

ABOUT THIS POLICY

This product provides compensation caused by an accident to the Insured Person whilst travelling (International and Domestic). The cover extend to include the following benefits:

Accidental Death and Permanent Disablement
Medical and Others Expenses
Medical Inconvenience Benefit
Emergency Medical Evacuation
Compassionate Visitation Expenses
Repatriation Expenses
Curtailment Expenses
Loss of Deposit or Trip Cancellation
Travel Delay
Missed Departure
Travel Misconnection
Loss/Damage to Personal Property

The Travel Pro coverage commence from Insured’s Person’s home or from the airport?

The coverage will commence from the Person’s place of residence or business within the Insured Person’s Home Territory (whichever is the later) until the time Insured Person returns to Insured Person’s place of residence or business in Insured Person’s Home Territory (whichever is the earlier) on completion of the Trip. Upon claiming, there needs to be sufficient evident of the schedules of travel.

If I purchase an Annual Policy – Worldwide or Asian Region, are Domestic trips covered?

No, the Annual Policy for Worldwide/Asia is to cover Overseas Trips only, no Domestic Trips are covered. An Annual or Per Trip policy – Domestic would be required if you are intended to have Domestic trips.

Is Act of Terrorism covered?

Yes, Act of Terrorism is covered. We have extended the Policy to cover the Insured Person in respect of bodily Injury, death and permanent disablement which may be sustained through Terrorism provided that there is no liability when such act and/or acts of terrorism involve utilisation of nuclear, chemical or biological weapons of mass destruction howsoever these may be distributed or combined.

What is the age limit to purchase Travel Pro Insurance?

Entry age is between 18 to 79 years. For Child, the entry age is not older than 18 years of age or below 23 years of age if enrolled for full-time studying in a recognized institution of learning.

Who is eligible to apply?

All Malaysians, Permanent Residents, Work Permit/Employment Pass Holders or otherwise legally employed persons in Malaysia and their Dependents are eligible to apply.

What is the maximum period of coverage?

Single trip policy – Not exceeding 182 consecutive days. Annual multi trip policy – Not exceeding 90 consecutive days per trip.

Who are covered under the Family plan?

Coverage shall include you and is extended to include your legal spouse and 3 of your unemployed and unmarried children who are under the age of 18 years or up to 23 years who are full time studying.

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 subject to Goods and Services Tax (GST) of 6% and is applicable for Domestic trips

Can I purchase Travel Pro after I depart and be covered?

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

I am travelling to few countries, do I need to buy separate plan for each country?

The Policy covers you in the countries that are included in the Region you have selected.For example if your travel itinerary is from Malaysia to Australia return and also includes a stay in UK, You must purchase the world wide plan because UK is under the worldwide plan. Otherwise, the claims pertaining to stay in UK would not be covered under the Asian region. Transit of less than 12 hours of arrival is not considered a destination country for choosing a covered region.

If I already have a personal accident policy, do I still required buying a travel policy?

A travel policy provides many other risks which are not covered on any other standard personal accident policy, such as travel delay, missed departure, travel misconnection, trip curtailment, etc. Therefore, it is advisable to purchase a travel policy that caters specifically to your travel needs.

Can I cancel my policy and get a refund?

Single trip policy

No premium refund is allowed once the policy or certificate of insurance is issued. Annual policy

a) This policy may be cancelled by 30 days‘ notice in writing at your request in which case the Company will retain our customary short period rate.

b) The company may cancelled this policy by sending 30 days’ notice and refund the proportionate part of any premium received for the unexpired period of the policy.

If I am already suffering from an illness, will I be covered?

No, the policy does not cover any pre-existing illness.

Can I claim for trip cancellation if I cancel my trip because of Civil Unrest, Riot or Commotion at my planned destination?

Yes, trip cancellation covers event due to Major Travel Event occurring within 30 days before the date of departure of the Trip:

Major Travel Event means

a) Natural Disaster;

b) Epidemic or pandemic as declared by the World Health Organization;

c) major industrial accident;

d) Civil Unrest, Riot or Commotion resulting in cancellation of scheduled Common Carrier services or in a relevant government warning against non-essential travel;

e) Strike resulting in cancellation of scheduled Common Carrier services; or

f) Any event leading to airspace or multiple airport closures.

If injury or sickness occur during my overseas trip, and I do not seek treatment overseas, can I claim medical expenses if I seek treatment after returning to Malaysia?

Yes, if prior medical treatment has not been sought overseas, you must seek medical treatment in Malaysia within 2 days from the date of return to Malaysia.

Can I continue my medical treatment in Malaysia for Injuries sustained overseas?

Yes, in the event of an Injury or sickness occurring during the overseas trip, We will reimburse You the Reasonable and Customary Medical Expense incurred within thirty (30) days upon your return to Malaysia from Overseas trip for such medical treatment or follow up medical treatment, up to the amount shown in the Policy Schedule for covered medical expenses incurred by You.

Does it cover Natural Disasters?

Yes. It covers Natural disasters. Natural Disasters shall mean extreme weather conditions (including but not limited to typhoons, hurricanes, cyclones or tornados), fires, floods, tsunamis, volcanic eruptions, earthquakes, landslides or other convulsion of nature or by consequences of any of the occurrences mentioned above.

Can a child purchase an Individual Policy and what is the premium and benefits?

Yes, a child (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 the child’s name (eg. “John Smith OTLO Robert Smith”). The payable premium for an individual child (not purchased together with parent or legal guardian) will be based on the individual premium, same as the adult. The 50% discount premium for the child will only apply upon purchasing together with the legal guardian.

For Accidental Death or Permanent Disablement benefit, a child is entitled to the Child entitlement as stated in Section 1 of the Schedule of benefits, and all other benefits are payable at 100% as per an adult.

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 +603-7628 3639.

How do I file a claim?

Should you require to lodge a claim , please obtain a claim form by phone or in writing to the claim department within 14 days of your return , quoting your Policy /Certificate of Insurance Number and section of the of the policy you are claiming.

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