What is covered by my insurance?

plan type
INDIVIDUAL
family (SINGLE TRIP)
trip type
single
Single (senior)
annual
annual (senior)

Table of Benefits - Standard Plan (age < 65)

Personal Accident
Personal Accident
Limit Per Person / Event
Standard Plan
Sum Insured (RM)
1. Accidental Death / Accidental Permanent Disablement
Pays as a result of Accidental Death and Accidental Permanent Disablement of Insured Person up to RM350,000.
Per adult/child
350,000
2. Child Education
Pays as a result of Accidental Death of Insured Person who has any children for their education fees.
Per event
10,000
Medical Benefits
Medical Benefits
Limit Per Person / Event
Standard Plan
Sum Insured (RM)
3A. Medical, Hospital and Treatment Expenses
Reimburses expenses (including cost of emergency dental treatment) incurred during accident or sickness.
Per adult/child
350,000
3B. Compassionate Visitation (Due To Hospitalisation of Insured Person)
Pays for additional expenses of one relative or friend required on medical advice to travel or remain behind with you.
Per adult/child
7,500
Subject to Medical, Hospital and Treatment Expenses Limit
3C. Compassionate Visitation (Due To Insured Person's Death)
In the event of the Insured Person's death whilst on the trip, reimburses for travel and accommodation expenses for one relative or friend to assist in the burial or cremation arrangements in the locality where death occurs.
Per adult/child
7,500
Subject to Medical, Hospital and Treatment Expenses Limit
3D. Alternative Medical Treatment
Reimburses medical expenses for traditional medicine, osteopath, physiotherapy and chiropractor.
Per adult/child
1,000
Subject to Medical, Hospital and Treatment Expenses Limit
3E. Child Care
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 (RM500 per day).
Per event
5,000
Subject to Medical, Hospital and Treatment Expenses Limit
3F. Medical Treatment In Malaysia
Reimburses for follow-up treatment within 90 days of initial treatment upon return to Malaysia.
Per adult/child
30,000
Subject to Medical, Hospital and Treatment Expenses Limit
3G. Hospital Allowance
Pays for each complete day you are confined in a hospital on top of medical costs incurred (RM350 per day for overseas travel).
Per adult/child
10,500
Emergency Medical Evacuation & Repatriation
Emergency Medical Evacuation & Repatriation
Limit Per Person / Event
Standard Plan
Sum Insured (RM)
3H. Emergency Medical Evacuation
Emergency transportation and medical care en route to move you (in a medical critical condition) to the nearest hospital.
Per event
Unlimited
3I. 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.
Per event
Unlimited
3J. Repatriation Of Mortal Remains
Pays for the cost of burial or cremation in the locality where death occurs or the expenses of transporting the mortal remains back to Malaysia.
Per adult/child
Unlimited
Personal Belongings
Personal Belongings
Limit Per Person / Event
Standard Plan
Sum Insured (RM)
4A. Baggage And Personal Effects
Pays for loss of or damage to your baggage and personal effects due to theft or negligence of the common carrier. Maximum limit for any one item or pair or set of articles is up to RM500. Maximum limit per baggage is up to RM300.
Maximum limit per laptop is RM1,000.
Per adult/child
7,500
4B. Money and Travel 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 RM1,500.
Per adult/child
7,500
4C. Baggage Delay
Pay if your checked-in baggage is delayed for each full 6 consecutive hours (RM200 for every 6 hours) upon arrival at your destination abroad.
Per adult/child
800
Travel Inconvenience Benefits
Travel Inconvenience Benefits
Limit Per Person / Event
Standard Plan
Sum Insured (RM)
5A. Travel Delay, Overbooked, Misconnection or Reroute
Pays if the conveyance is delayed from the scheduled departure time, or if due to overbooked or misconnection by common air carrier and no alternative transportation is provided, or if the arrival of the scheduled public conveyance is delayed due to rerouting for each full 6 consecutive hours delay (RM200 for every 6 hours).
Per adult/child
3,200
5B. Cancellation or Postponement
Reimburses for irrecoverable travel and accommodation expenses paid in advance due to death, serious injury or illness to you or your immediate family or a natural disaster at your destination, provided that the insurance is purchased not less than 14 days prior to the commencement of the scheduled trip.
Per adult/child
20,000
5C. Travel Curtailment
Reimburses for proportional return of irrecoverable prepaid cost incurred, if it is necessary and unavoidable to curtail your trip.
Per adult/child
20,000
5D. Hijacking
Pays for each full 24 consecutive hours of hijack (RM1,000 / 24 hours)
Per adult/child
10,000
5E. Missed Departure
Reimburses for additional accommodation and travel expenses necessarily and reasonably incurred, as a result of strike, industrial action, natural disaster, inclement weather condition, mechanical breakdown of the public transport which prevented you from arriving at your outbound port, airport or station in time.
Per adult/child
2,000
5F. Loss of Use of Entertainment Tickets
Reimburses for unused and irrecoverable deposits or payment made for entertainment (tourist attraction centres/concerts) ticket charges due to death, hospitalisation or due to adverse weather condition or Natural Disaster at planned destination. (Max RM250 per ticket)
Per adult/child
1,000
6. Loss of Credit Card
Pays you for fraudulent usage of your credit card
Per adult/child
5,000
7. Personal Liability
Indemnifies you for legal liability towards third parties or damage to their property due to your negligence
Per adult/child
1,000,000
8. Rental Car Excess Cover
Pays for any excess/deductible which you become legally liable to pay in respect of loss or damage to rental vehicle during the rental period.
Per adult/child
1,000
9. Ransom Payment As A Result Of Kidnapping & Hostage
Pays for the ransom payment as a result of kidnapping and hostage outside Malaysia.
Per adult/child
100,000
10. Home Care
Pays for damages to your home contents as a result of burglary or fire when your house is left vacant while travelling. Maximum limit for any one item or pair or set of articles is up to RM500.
Per event
5,000
*Special Coverages
Terrorism, Leisure (Hot Air Ballooning, Parachuting, Sky Diving, Bungee Jumping, Scuba Diving, Winter Sports), and Natural Disasters are covered.

Table of Optional Add-Ons - Standard Plan (age < 65)

Add Ons
Add Ons
Limit Per Person / Event
Standard Plan
Sum Insured (RM)
1. Golf Equipment
Pays for the cost of replacement or repair of the Lost or Damaged Equipment, maximum limit RM5,000, whichever is lower, up to a maximum of RM500 per item.
Per adult/child
5,000
2. Sports Equipment/Musical Instruments
Pays the cost of replacement or repair of the Lost or Damaged Equipment, maximum limit RM3,000, whichever is lower, up to a maximum of RM500 per item.
Per adult/child
3,000
3. Flight Cancellation or Rescheduling during Trip
Reimburses you for the non-refundable, prepaid expenses or deposits paid for your trip if the loss was caused by the scheduled departure flight being cancelled or rescheduled by the operator of the Common Carrier during the your Trip. This includes the additional cost incurred for taking alternative transportation if you choose to continue with your trip.
Per adult/child
5,000
4. Cruise Cover
Reimburses the additional expenses to join the cruise due to missed connection as a result of flight delay or rejoin due to hospitalisation on land. Also reimburses for additional expenses to secure return flight home due to delay in the cruise arriving at disembarkation port.
Per adult/child
3,000
5. Medical Expenses Top Up
By opting this add on, Medical, Hospital and Treatment Expenses shall increase by additional Sum Insured of RM100,000.
Per adult/child
100,000
6. Accidental Death & Permanent Disablement Top Up
By opting this add on, Accidental Death & Accidental Permanent Disablement shall increase by additional Sum Insured of RM100,000.
Per adult/child
100,000
7. Domestic Travel Extension
Option to extend cover for domestic travels.
Per adult/child
Refer to “Schedule of Benefits for Domestic Travel Extension” for details
Schedule of Benefits for Domestic Travel Extension
Personal Accident
Limit Per Person / Event
Standard Plan
Sum Insured (RM)
1. Accidental Death / Accidental Permanent Disablement
Pays as a result of Accidental Death and Accidental Permanent Disablement of Insured Person up to RM250,000.
Per adult/child
250,000
Medical Benfits
(Accidental Cause Only)
Limit Per Person / Event
Standard Plan
Sum Insured (RM)
2A. Medical, Hospital andTreatment Expenses
Reimburses expenses (including cost of emergency dental treatment) incurred during accident or sickness.
Per adult/child
25,000
2B. Hospital Allowance
Pays for each complete day you are confined in a hospital on top of medical cost incurred (RM100 per day).
Per event
3,000
Emergency Medical Evacuation & Repatriation
(Accident Causes Only)
Limit Per Person / Event
Standard Plan
Sum Insured (RM)
3A. Emergency Medical Evacuation
Emergency transportation and medical care en route to move you (in a medical critical condition) to the nearest hospital.
Per event
100,000
3B. 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.
Per event
100,000
3C. Repatriation of Mortal Remains
Pays for the cost of burial or cremation in the locality where death occurs or the expenses of transporting the mortal remains back to Malaysia.
Per event
5,000
Personal Belongings Benefits
Limit Per Person / Event
Standard Plan
Sum Insured (RM)
4. Baggage Delay
Pay if your checked-in baggage is delayed for each full 6 consecutive hours (RM100 for every 6 hours) upon arrival at your destination abroad.
Per adult/child
400
Travel Inconvenience Benefits
Limit Per Person / Event
Standard Plan
Sum Insured (RM)
5A. Travel Delay, Overbooked,Misconnection or Reroute
Pays if the conveyance is delayed from the scheduled departure time, or if due to overbooked or misconnection by common air carrier and no alternative transportation is provided, or if the arrival of the scheduled public conveyance is delayed due to rerouting for each full 6 consecutive hours delay (RM100 for every 6 hours).
Per adult/child
1,000
5B. Cancellation or Postponement
Reimburses for irrecoverable travel and accommodation expenses paid in advance due to death, serious injury or illness to you or your immediate family or a natural disaster at your destination, provided that the insurance is purchased not less than 14 days prior to the commencement of the scheduled trip.
Per adult/child
2,000
5C. Travel Curtailment
Reimburses for proportional return of irrecoverable prepaid cost incurred, if it is necessary and unavoidable to curtail your trip.
Per adult/child
2,000
5D. Missed Departure
Reimburses for additional accommodation and travel expenses necessarily and reasonably incurred, as a result of strike, industrial action, natural disaster, inclement weather condition, mechanical breakdown of the public transport which prevented you from arriving at your outbound port, airport or station in time.
Per adult/child
1,000
5E. Personal Liability
Indemnifies you for legal liability towards third parties or damage to their property due to your negligence
Per adult/child
100,000

Areas of Coverage

Area 1

Travel from Malaysia to Australia, Brunei, Cambodia, China (excluding Mongolia, Nepal & Tibet), Hong Kong, Macau, India, Indonesia, Japan, South Korea, Laos, New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand and Vietnam only.

Area 2

Worldwide EXCLUDING USA, Canada, Sanctioned Countries and Malaysia.

Area 3

Worldwide EXCLUDING Sanctioned Countries and Malaysia.

Sanctioned Countries/ Fully Embargoed and Comprehensive Sanctioned Countries/ Territories*

Afghanistan, Belarus, Burma (Myanmar), Central African Republic, Crimea Region and the Zaporizhzhia, Kherson, Donetsk and Luhansk People’s region, Cuba, Democratic Republic of the Congo, Eritrea, Iran, Iraq, Israel, Libya, North Korea, Russian Federation, Somalia, South Sudan, Sudan, Syria, Venezuela and Yemen.

* Please note that list of sanctioned countries may be updated from time to time. Reference is to be made to the latest listing

Table of Premium - Standard Plan (age < 65)

Standard Plan
Days
Area 1
Standard Plan (RM)
Area 2
Standard Plan (RM)
Area 3
Standard Plan (RM)
1-5
42.00
78.00
88.00
6-10
62.00
113.00
128.00
11-18
93.00
169.00
189.00
19-31
108.00
209.00
239.00
Each additional week thereafter
27.00
53.00
63.00

Table of Premium With Domestic Extension - Standard Plan(age < 65)

Standard Plan
Days
Area 1
Standard Plan (RM)
Area 2
Standard Plan (RM)
Area 3
Standard Plan (RM)
1-5
50.00
86.00
96.00
6-10
70.00
121.00
136.00
11-18
101.00
177.00
197.00
19-31
116.00
217.00
247.00
Each additional week thereafter
31.00
57.00
67.00

Table of Add Ons Premium: RM5,000 Golf Equipment - Standard Plan (age < 65)

Days
Area 1
Standard Plan (RM)
Area 2
Standard Plan (RM)
Area 3
Standard Plan (RM)
1-5
7.00
8.00
9.00
6-10
10.00
12.00
13.00
11-18
15.00
18.00
20.00
19-31
19.00
23.00
25.00
Each additional week thereafter
4.00
5.00
5.00

Table of Add Ons Premium: RM3,000 Sports Equipment/Musical Instruments - Standard Plan (age < 65)

Days
Area 1
Standard Plan (RM)
Area 2
Standard Plan (RM)
Area 3
Standard Plan (RM)
1-5
7.00
8.00
9.00
6-10
10.00
12.00
13.00
11-18
15.00
18.00
20.00
19-31
19.00
23.00
25.00
Each additional week thereafter
4.00
5.00
5.00

Table of Add Ons Premium: RM5,000 Flight Cancellation or Rescheduling during Trip - Standard Plan (age < 65)

Days
Area 1
Standard Plan (RM)
Area 2
Standard Plan (RM)
Area 3
Standard Plan (RM)
1-5
7.00
8.00
9.00
6-10
10.00
12.00
13.00
11-18
15.00
18.00
20.00
19-31
19.00
23.00
25.00
Each additional week thereafter
4.00
5.00
5.00

Table of Add Ons Premium: RM3,000 Cruise Cover - Standard Plan (age < 65)

Days
Area 1
Standard Plan (RM)
Area 2
Standard Plan (RM)
Area 3
Standard Plan (RM)
1-5
4.00
5.00
5.00
6-10
5.00
6.00
7.00
11-18
7.00
8.00
9.00
19-31
10.00
12.00
13.00
Each additional week thereafter
2.00
2.00
3.00

Table of Add Ons Premium: RM100,000 Medical Expenses Top Up - Standard Plan (age < 65)

Days
Area 1
Standard Plan (RM)
Area 2
Standard Plan (RM)
Area 3
Standard Plan (RM)
1-5
7.00
8.00
9.00
6-10
10.00
12.00
13.00
11-18
15.00
18.00
20.00
19-31
19.00
23.00
25.00
Each additional week thereafter
4.00
5.00
5.00

Table of Add Ons Premium: RM100,000 Accidental Death & Permanent Disablement Top Up - Standard Plan (age < 65)

Days
Area 1
Standard Plan (RM)
Area 2
Standard Plan (RM)
Area 3
Standard Plan (RM)
1-5
7.00
8.00
9.00
6-10
10.00
12.00
13.00
11-18
15.00
18.00
20.00
19-31
19.00
23.00
25.00
Each additional week thereafter
4.00
5.00
5.00

Table of Benefits - Senior Plan (age ≥ 65 to ≤ 80)

Personal Accident
Personal Accident
Limit Per Person / Event
Senior Plan
Sum Insured (RM)
1. Accidental Death / Accidental Permanent Disablement
Pays as a result of Accidental Death and Accidental Permanent Disablement of Insured Person up to RM175,000.
Per adult
175,000
2. Child Education
Pays as a result of Accidental Death of Insured Person who has any children for their education fees.
Per event
N/A
Medical Benefits
Medical Benefits
Limit Per Person / Event
Senior Plan
Sum Insured (RM)
3A. Medical, Hospital and Treatment Expenses
Reimburses expenses (including cost of emergency dental treatment) incurred during accident or sickness.
Per adult
175,000
3B. Compassionate Visitation (Due To Hospitalisation of Insured Person)
Pays for additional expenses of one relative or friend required on medical advice to travel or remain behind with you.
Per adult
7,500
Subject to Medical, Hospital and Treatment Expenses Limit
3C. Compassionate Visitation (Due To Insured Person's Death)
In the event of the Insured Person's death whilst on the trip, reimburses for travel and accommodation expenses for one relative or friend to assist in the burial or cremation arrangements in the locality where death occurs.
Per adult
7,500
Subject to Medical, Hospital and Treatment Expenses Limit
3D. Alternative Medical Treatment
Reimburses medical expenses for traditional medicine, osteopath, physiotherapy and chiropractor.
Per adult
1,000
Subject to Medical, Hospital and Treatment Expenses Limit
3E. Child Care
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 (RM500 per day).
Per event
N/A
Subject to Medical, Hospital and Treatment Expenses Limit
3F. Medical Treatment In Malaysia
Reimburses for follow-up treatment within 90 days of initial treatment upon return to Malaysia.
Per adult
15,000
Subject to Medical, Hospital and Treatment Expenses Limit
3G. Hospital Allowance
Pays for each complete day you are confined in a hospital on top of medical costs incurred (RM250 per day for overseas travel).
Per adult
7,500
Emergency Medical Evacuation & Repatriation
Emergency Medical Evacuation & Repatriation
Limit Per Person / Event
Senior Plan
Sum Insured (RM)
3H. Emergency Medical Evacuation
Emergency transportation and medical care en route to move you (in a medical critical condition) to the nearest hospital.
Per event
Unlimited
3I. 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.
Per event
Unlimited
3J. Repatriation Of Mortal Remains
Pays for the cost of burial or cremation in the locality where death occurs or the expenses of transporting the mortal remains back to Malaysia.
Per adult
Unlimited
Personal Belongings
Personal Belongings
Limit Per Person / Event
Senior Plan
Sum Insured (RM)
4A. Baggage And Personal Effects
Pays for loss of or damage to your baggage and personal effects due to theft or negligence of the common carrier. Maximum limit for any one item or pair or set of articles is up to RM500. Maximum limit per baggage is up to RM300.
Maximum limit per laptop is RM1,000.
Per adult
7,500
4B. Money and Travel 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 RM1,500.
Per adult
7,500
4C. Baggage Delay
Pay if your checked-in baggage is delayed for each full 6 consecutive hours (RM200 for every 6 hours) upon arrival at your destination abroad.
Per adult
800
Travel Inconvenience Benefits
Travel Inconvenience Benefits
Limit Per Person / Event
Senior Plan
Sum Insured (RM)
5A. Travel Delay, Overbooked, Misconnection or Reroute
Pays if the conveyance is delayed from the scheduled departure time, or if due to overbooked or misconnection by common air carrier and no alternative transportation is provided, or if the arrival of the scheduled public conveyance is delayed due to rerouting for each full 6 consecutive hours delay (RM200 for every 6 hours).
Per adult
3,200
5B. Cancellation or Postponement
Reimburses for irrecoverable travel and accommodation expenses paid in advance due to death, serious injury or illness to you or your immediate family or a natural disaster at your destination, provided that the insurance is purchased not less than 14 days prior to the commencement of the scheduled trip.
Per adult
20,000
5C. Travel Curtailment
Reimburses for proportional return of irrecoverable prepaid cost incurred, if it is necessary and unavoidable to curtail your trip.
Per adult
20,000
5D. Hijacking
Pays for each full 24 consecutive hours of hijack (RM1,000 / 24 hours)
Per adult
10,000
5E. Missed Departure
Reimburses for additional accommodation and travel expenses necessarily and reasonably incurred, as a result of strike, industrial action, natural disaster, inclement weather condition, mechanical breakdown of the public transport which prevented you from arriving at your outbound port, airport or station in time.
Per adult
2,000
5F. Loss of Use of Entertainment Tickets
Reimburses for unused and irrecoverable deposits or payment made for entertainment (tourist attraction centres/concerts) ticket charges due to death, hospitalisation or due to adverse weather condition or Natural Disaster at planned destination. (Max RM250 per ticket)
Per adult
1,000
6. Loss of Credit Card
Pays you for fraudulent usage of your credit card
Per adult
5,000
7. Personal Liability
Indemnifies you for legal liability towards third parties or damage to their property due to your negligence
Per adult
1,000,000
8. Rental Car Excess Cover
Pays for any excess/deductible which you become legally liable to pay in respect of loss or damage to rental vehicle during the rental period.
Per adult
1,000
9. Ransom Payment As A Result Of Kidnapping & Hostage
Pays for the ransom payment as a result of kidnapping and hostage outside Malaysia.
Per adult
100,000
10. Home Care
Pays for damages to your home contents as a result of burglary or fire when your house is left vacant while travelling. Maximum limit for any one item or pair or set of articles is up to RM500.
Per event
5,000
*Special Coverages
Terrorism, Leisure (Hot Air Ballooning, Parachuting, Sky Diving, Bungee Jumping, Scuba Diving, Winter Sports), and Natural Disasters are covered.

Table of Optional Add-Ons - Senior Plan (age ≥ 65 to ≤ 80)

Add Ons
Add Ons
Limit Per Person / Event
Senior Plan
Sum Insured (RM)
1. Golf Equipment
Pays for the cost of replacement or repair of the Lost or Damaged Equipment, maximum limit RM5,000, whichever is lower, up to a maximum of RM500 per item.
Per adult
5,000
2. Sports Equipment/Musical Instruments
Pays the cost of replacement or repair of the Lost or Damaged Equipment, maximum limit RM3,000, whichever is lower, up to a maximum of RM500 per item.
Per adult
3,000
3. Flight Cancellation or Rescheduling during Trip
Reimburses you for the non-refundable, prepaid expenses or deposits paid for your trip if the loss was caused by the scheduled departure flight being cancelled or rescheduled by the operator of the Common Carrier during the your Trip. This includes the additional cost incurred for taking alternative transportation if you choose to continue with your trip.
Per adult
5,000
4. Cruise Cover
Reimburses the additional expenses to join the cruise due to missed connection as a result of flight delay or rejoin due to hospitalisation on land. Also reimburses for additional expenses to secure return flight home due to delay in the cruise arriving at disembarkation port.
Per adult
3,000
5. Domestic Travel Extension
Option to extend cover for domestic travels.
Per adult
Refer to “Schedule of Benefits for Domestic Travel Extension” for details
Schedule of Benefits for Domestic Travel Extension
Personal Accident
Limit Per Person / Event
Senior Plan
Sum Insured (RM)
1. Accidental Death / Accidental Permanent Disablement
Pays as a result of Accidental Death and Accidental Permanent Disablement of Insured Person up to RM125,000.
Per adult
125,000
Medical Benfits
(Accidental Cause Only)
Limit Per Person / Event
Senior Plan
Sum Insured (RM)
2A. Medical, Hospital andTreatment Expenses
Reimburses expenses (including cost of emergency dental treatment) incurred during accident or sickness.
Per adult/child
12,500
2B. Hospital Allowance
Pays for each complete day you are confined in a hospital on top of medical cost incurred (RM50 per day).
Per event
1,500
Emergency Medical Evacuation & Repatriation
(Accident Causes Only)
Limit Per Person / Event
Senior Plan
Sum Insured (RM)
3A. Emergency Medical Evacuation
Emergency transportation and medical care en route to move you (in a medical critical condition) to the nearest hospital.
Per event
100,000
3B. 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.
Per event
100,000
3C. Repatriation of Mortal Remains
Pays for the cost of burial or cremation in the locality where death occurs or the expenses of transporting the mortal remains back to Malaysia.
Per event
5,000
Personal Belongings Benefits
Limit Per Person / Event
Senior Plan
Sum Insured (RM)
4. Baggage Delay
Pay if your checked-in baggage is delayed for each full 6 consecutive hours (RM100 for every 6 hours) upon arrival at your destination abroad.
Per adult/child
400
Travel Inconvenience Benefits
Limit Per Person / Event
Senior Plan
Sum Insured (RM)
5A. Travel Delay, Overbooked,Misconnection or Reroute
Pays if the conveyance is delayed from the scheduled departure time, or if due to overbooked or misconnection by common air carrier and no alternative transportation is provided, or if the arrival of the scheduled public conveyance is delayed due to rerouting for each full 6 consecutive hours delay (RM100 for every 6 hours).
Per adult/child
1,000
5B. Cancellation or Postponement
Reimburses for irrecoverable travel and accommodation expenses paid in advance due to death, serious injury or illness to you or your immediate family or a natural disaster at your destination, provided that the insurance is purchased not less than 14 days prior to the commencement of the scheduled trip.
Per adult/child
2,000
5C. Travel Curtailment
Reimburses for proportional return of irrecoverable prepaid cost incurred, if it is necessary and unavoidable to curtail your trip.
Per adult/child
2,000
5D. Missed Departure
Reimburses for additional accommodation and travel expenses necessarily and reasonably incurred, as a result of strike, industrial action, natural disaster, inclement weather condition, mechanical breakdown of the public transport which prevented you from arriving at your outbound port, airport or station in time.
Per adult/child
1,000
5E. Personal Liability
Indemnifies you for legal liability towards third parties or damage to their property due to your negligence
Per adult/child
100,000

Areas of Coverage

Area 1

Travel from Malaysia to Australia, Brunei, Cambodia, China (excluding Mongolia, Nepal & Tibet), Hong Kong, Macau, India, Indonesia, Japan, South Korea, Laos, New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand and Vietnam only.

Area 2

Worldwide EXCLUDING USA, Canada, Sanctioned Countries and Malaysia.

Area 3

Worldwide EXCLUDING Sanctioned Countries and Malaysia.

Sanctioned Countries/ Fully Embargoed and Comprehensive Sanctioned Countries/ Territories*

Afghanistan, Belarus, Burma (Myanmar), Central African Republic, Crimea Region and the Zaporizhzhia, Kherson, Donetsk and Luhansk People’s region, Cuba, Democratic Republic of the Congo, Eritrea, Iran, Iraq, Israel, Libya, North Korea, Russian Federation, Somalia, South Sudan, Sudan, Syria, Venezuela and Yemen.

‍* Please note that list of sanctioned countries may be updated from time to time. Reference is to be made to the latest listing

Table of Premium - Senior Plan (age ≥ 65 to ≤ 80)

Senior Plan
Days
Area 1
Senior Plan (RM)
Area 2
Senior Plan (RM)
Area 3
Senior Plan (RM)
1-5
74.00
135.00
150.00
6-10
109.00
195.00
220.00
11-18
155.00
292.00
327.00
19-31
190.00
362.00
417.00
Each additional week thereafter
49.00
90.00
105.00

Table of Premium With Domestic Extension - Senior Plan (age ≥ 65 to ≤ 80)

Senior Plan
Days
Area 1
Senior Plan (RM)
Area 2
Senior Plan (RM)
Area 3
Senior Plan (RM)
1-5
86.00
147.00
162.00
6-10
121.00
207.00
232.00
11-18
167.00
304.00
339.00
19-31
202.00
374.00
429.00
Each additional week thereafter
55.00
96.00
111.00

Table of Add Ons Premium: RM5,000 Golf Equipment - Senior Plan (age ≥ 65 to ≤ 80)

RM5,000 Golf Equipment
Days
Area 1
Senior Plan (RM)
Area 2
Senior Plan (RM)
Area 3
Senior Plan (RM)
1-5
7.00
8.00
9.00
6-10
10.00
12.00
13.00
11-18
15.00
18.00
20.00
19-31
19.00
23.00
25.00
Each additional week thereafter
4.00
5.00
5.00

Table of Add Ons Premium: RM3,000 Sports Equipment/Musical Instruments - Senior Plan (age ≥ 65 to ≤ 80)

RM3,000 Sports Equipment/Musical Instruments
Days
Area 1
Senior Plan (RM)
Area 2
Senior Plan (RM)
Area 3
Senior Plan (RM)
1-5
7.00
8.00
9.00
6-10
10.00
12.00
13.00
11-18
15.00
18.00
20.00
19-31
19.00
23.00
25.00
Each additional week thereafter
4.00
5.00
5.00

Table of Add Ons Premium: RM5,000 Flight Cancellation or Rescheduling during Trip - Senior Plan (age ≥ 65 to ≤ 80)

RM5,000 Flight Cancellation or Rescheduling
Days
Area 1
Senior Plan (RM)
Area 2
Senior Plan (RM)
Area 3
Senior Plan (RM)
1-5
7.00
8.00
9.00
6-10
10.00
12.00
13.00
11-18
15.00
18.00
20.00
19-31
19.00
23.00
25.00
Each additional week thereafter
4.00
5.00
5.00

Table of Add Ons Premium: RM3,000 Cruise Cover - Senior Plan (age ≥ 65 to ≤ 80)

RM3,000 Cruise Cover
Days
Area 1
Senior Plan (RM)
Area 2
Senior Plan (RM)
Area 3
Senior Plan (RM)
1-5
6.00
9.00
9.00
6-10
8.00
10.00
13.00
11-18
11.00
14.00
15.00
19-31
18.00
21.00
23.00
Each additional week thereafter
3.00
3.00
5.00

Table of Benefits - Standard Plan (age < 65)

Personal Accident
Personal Accident
Limit Per Person / Event
Standard Plan 1
Sum Insured (RM)
Standard Plan 2
Sum Insured (RM)
1. Accidental Death / Accidental Permanent Disablement
Pays as a result of Accidental Death and Accidental Permanent Disablement of Insured Person up to RM600,000.
Per adult/child
300,000
600,000
2. Child Education
Pays as a result of Accidental Death of Insured Person who has any children for their education fees.
Per event
10,000
20,000
Medical Benefits
Medical Benefits
Limit Per Person / Event
Standard Plan 1
Sum Insured (RM)
Standard Plan 2
Sum Insured (RM)
3A. Medical, Hospital and Treatment Expenses
Reimburses expenses (including cost of emergency dental treatment) incurred during accident or sickness.
Per adult/child
250,000
350,000
3B. Compassionate Visitation (Due To Hospitalisation of Insured Person)
Pays for additional expenses of one relative or friend required on medical advice to travel or remain behind with you.
Per adult/child
5,000
8,000
Subject to Medical, Hospital and Treatment Expenses Limit
3C. Compassionate Visitation (Due To Insured Person's Death)
In the event of the Insured's death whilst on the trip, reimburses for travel and accommodation expenses for one relative or friend to assist in the burial or cremation arrangements in the locality where death occurs.
Per adult/child
5,000
8,000
Subject to Medical, Hospital and Treatment Expenses Limit
3D. Alternative Medical Treatment
Reimburses medical expenses for traditional medicine, osteopath, physiotherapy and chiropractor.
Per adult/child
500
1,000
Subject to Medical, Hospital and Treatment Expenses Limit
3E. Child Care
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 (RM500 per day).
Per event
5,000
8,000
Subject to Medical, Hospital and Treatment Expenses Limit
3F. Medical Treatment In Malaysia
Reimburses for follow-up treatment within 90 days of initial treatment upon return to Malaysia.
Per adult/child
20,000
30,000
Subject to Medical, Hospital and Treatment Expenses Limit
3G. Hospital Allowance
Pays for each complete day you are confined in a hospital on top of medical cost incurred (RM250 per day).
Per adult/child
10,500
21,000
Emergency Medical Evacuation & Repatriation
Emergency Medical Evacuation & Repatriation
Limit Per Person / Event
Standard Plan 1
Sum Insured (RM)
Standard Plan 2
Sum Insured (RM)
3H. Emergency Medical Evacuation
Emergency transportation and medical care en route to move you (in a medical critical condition) to the nearest hospital.
Per event
Unlimited
Unlimited
3I. 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.
Per event
Unlimited
Unlimited
3J. Repatriation Of Mortal Remains
Pays for the cost of burial or cremation in the locality where death occurs or the expenses of transporting the mortal remains back to Malaysia.
Per adult/child
Unlimited
Unlimited
Personal Belongings
Personal Belongings
Limit Per Person / Event
Standard Plan 1
Sum Insured (RM)
Standard Plan 2
Sum Insured (RM)
4A. Baggage And Personal Effects
Pays for loss of or damage to your baggage and personal effects due to theft or negligence of the common carrier. Maximum limit for any one item or pair or set of articles is up to RM500. Maximum limit per baggage is up to RM300.
Maximum limit per laptop is RM1,000.
Per adult/child
5,000
7,500
4B. Money and Travel 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 RM1,000 for Plan 1 and RM1,500 for Plan 2.
Per adult/child
5,000
7,500
4C. Baggage Delay
Pay if your checked-in baggage is delayed for each full 6 consecutive hours (RM200 for every 6 hours) upon arrival at your destination abroad.
Per adult/child
800
1,600
Travel Inconvenience Benefits
Travel Inconvenience Benefits
Limit Per Person / Event
Standard Plan 1
Sum Insured (RM)
Standard Plan 2
Sum Insured (RM)
5A. Travel Delay, Overbooked, Misconnection or Reroute
Pays if the conveyance is delayed from the scheduled departure time, or if due to overbooked or misconnection by common air carrier and no alternative transportation is provided, or if the arrival of the scheduled public conveyance is delayed due to rerouting for each full 6 consecutive hours delay (RM200 for every 6 hours).
Per adult/child
2,000
3,200
5B. Cancellation or Postponement
Reimburses for irrecoverable travel and accommodation expenses paid in advance due to death, serious injury or illness to you or your immediate family or a natural disaster at your destination, provided that the insurance is purchased not less than 14 days prior to the commencement of the scheduled trip.
Per adult/child
20,000
20,000
5C. Travel Curtailment
Reimburses for proportional return of irrecoverable prepaid cost incurred, if it is necessary and unavoidable to curtail your trip.
Per adult/child
20,000
20,000
5D. Hijacking
Pays for each full 24 consecutive hours of hijack (RM1,000 / 24 hours)
Per adult/child
10,000
20,000
5E. Missed Departure
Reimburses for additional accommodation and travel expenses necessarily and reasonably incurred, as a result of strike, industrial action, natural disaster, inclement weather condition, mechanical breakdown of the public transport which prevented you from arriving at your outbound port, airport or station in time.
Per adult/child
1,000
2,000
5F. Loss of Use of Entertainment Tickets
Reimburses for unused and irrecoverable deposits or payment made for entertainment (tourist attraction centres/concerts) ticket charges due to death, hospitalisation or due to adverse weather condition or Natural Disaster at planned destination. (Max RM250 per ticket)
Per adult/child
1,000
2,000
6. Loss of Credit Card
Pays you for fraudulent usage of your credit card
Per adult/child
5,000
10,000
7. Personal Liability
Indemnifies you for legal liability towards third parties or damage to their property due to your negligence
Per adult/child
1,000,000
1,000,000
8. Rental Car Excess Cover
Pays for any excess/deductible which you become legally liable to pay in respect of loss or damage to rental vehicle during the rental period.
Per adult/child
1,000
2,000
9. Ransom Payment As A Result Of Kidnapping & Hostage
Pays for the ransom payment as a result of kidnapping and hostage outside Malaysia.
Per adult/child
100,000
200,000
10. Home Care
Pays for damages to your home contents as a result of burglary or fire when your house is left vacant while travelling. Maximum limit for any one item or pair or set of articles is up to RM500.
Per event
5,000
5,000
*Special Coverages
Terrorism, Leisure (Hot Air Ballooning, Parachuting, Sky Diving, Bungee Jumping, Scuba Diving, Winter Sports), and Natural Disasters are covered.

Table of Optional Add-Ons - Standard Plan (age < 65)

Add Ons
Add Ons
Limit Per Person / Event
Standard Plan 1
Sum Insured (RM)
Standard Plan 2
Sum Insured (RM)
1. Golf Equipment
Pays for the cost of replacement or repair of the Lost or Damaged Equipment, maximum limit RM5,000, whichever is lower, up to a maximum of RM500 per item.
Per adult/child
5,000
5,000
2. Sports Equipment/Musical Instruments
Pays the cost of replacement or repair of the Lost or Damaged Equipment, maximum limit RM3,000, whichever is lower, up to a maximum of RM500 per item.
Per adult/child
3,000
3,000
3. Flight Cancellation or Rescheduling during Trip
Reimburses you for the non-refundable, prepaid expenses or deposits paid for your trip if the loss was caused by the scheduled departure flight being cancelled or rescheduled by the operator of the Common Carrier during the your Trip. This includes the additional cost incurred for taking alternative transportation if you choose to continue with your trip.
Per adult/child
2,500
5,000
4. Cruise Cover
Reimburses the additional expenses to join the cruise due to missed connection as a result of flight delay or rejoin due to hospitalisation on land. Also reimburses for additional expenses to secure return flight home due to delay in the cruise arriving at disembarkation port.
Per adult/child
3,000
6,000
5. Medical Expenses Top Up
By opting this add on, Medical, Hospital and Treatment Expenses shall increase by additional Sum Insured of RM100,000.
Per adult/child
100,000
100,000
6. Accidental Death & Permanent Disablement Top Up
By opting this add on, Accidental Death & Accidental Permanent Disablement shall increase by additional Sum Insured of RM100,000.
Per adult/child
100,000
100,000
7. Domestic Travel Extension
Option to extend cover for domestic travels.
Per adult/child
Refer to “Schedule of Benefits for Domestic Travel Extension” for details
Refer to “Schedule of Benefits for Domestic Travel Extension” for details
Schedule of Benefits for Domestic Travel Extension
Personal Accident
Limit Per Person / Event
Standard Plan 1
Sum Insured (RM)
Standard Plan 2
Sum Insured (RM)
1. Accidental Death / Accidental Permanent Disablement
Pays as a result of Accidental Death and Accidental Permanent Disablement of Insured Person up to RM250,000.
Per adult/child
250,000
250,000
Medical Benfits
(Accidental Cause Only)
Limit Per Person / Event
Standard Plan 1
Sum Insured (RM)
Standard Plan 2
Sum Insured (RM)
2A. Medical, Hospital andTreatment Expenses
Reimburses expenses (including cost of emergency dental treatment) incurred during accident or sickness.
Per adult/child
25,000
25,000
2B. Hospital Allowance
Pays for each complete day you are confined in a hospital on top of medical cost incurred (RM100 per day).
Per event
3,000
3,000
Emergency Medical Evacuation & Repatriation
(Accident Causes Only)
Limit Per Person / Event
Standard Plan 1
Sum Insured (RM)
Standard Plan 2
Sum Insured (RM)
3A. Emergency Medical Evacuation
Emergency transportation and medical care en route to move you (in a medical critical condition) to the nearest hospital.
Per event
100,000
100,000
3B. 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.
Per event
100,000
100,000
3C. Repatriation of Mortal Remains
Pays for the cost of burial or cremation in the locality where death occurs or the expenses of transporting the mortal remains back to Malaysia.
Per event
5,000
5,000
Personal Belongings Benefits
Limit Per Person / Event
Standard Plan 1
Sum Insured (RM)
Standard Plan 2
Sum Insured (RM)
4. Baggage Delay
Pay if your checked-in baggage is delayed for each full 6 consecutive hours (RM100 for every 6 hours) upon arrival at your destination abroad.
Per adult/child
400
400
Travel Inconvenience Benefits
Limit Per Person / Event
Standard Plan 1
Sum Insured (RM)
Standard Plan 2
Sum Insured (RM)
5A. Travel Delay, Overbooked,Misconnection or Reroute
Pays if the conveyance is delayed from the scheduled departure time, or if due to overbooked or misconnection by common air carrier and no alternative transportation is provided, or if the arrival of the scheduled public conveyance is delayed due to rerouting for each full 6 consecutive hours delay (RM100 for every 6 hours).
Per adult/child
1,000
1,000
5B. Cancellation or Postponement
Reimburses for irrecoverable travel and accommodation expenses paid in advance due to death, serious injury or illness to you or your immediate family or a natural disaster at your destination, provided that the insurance is purchased not less than 14 days prior to the commencement of the scheduled trip.
Per adult/child
2,000
2,000
5C. Travel Curtailment
Reimburses for proportional return of irrecoverable prepaid cost incurred, if it is necessary and unavoidable to curtail your trip.
Per adult/child
2,000
2,000
5D. Missed Departure
Reimburses for additional accommodation and travel expenses necessarily and reasonably incurred, as a result of strike, industrial action, natural disaster, inclement weather condition, mechanical breakdown of the public transport which prevented you from arriving at your outbound port, airport or station in time.
Per adult/child
1,000
1,000
5E. Personal Liability
Indemnifies you for legal liability towards third parties or damage to their property due to your negligence
Per adult/child
100,000
100,000

Areas of Coverage

Area 1

Travel from Malaysia to Australia, Brunei, Cambodia, China (excluding Mongolia, Nepal & Tibet), Hong Kong, Macau, India, Indonesia, Japan, South Korea, Laos, New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand and Vietnam only.

Area 2

Worldwide EXCLUDING USA, Canada, Sanctioned Countries and Malaysia.

Area 3

Worldwide EXCLUDING Sanctioned Countries and Malaysia.

Sanctioned Countries/ Fully Embargoed and Comprehensive Sanctioned Countries/ Territories*

Afghanistan, Belarus, Burma (Myanmar), Central African Republic, Crimea Region and the Zaporizhzhia, Kherson, Donetsk and Luhansk People’s region, Cuba, Democratic Republic of the Congo, Eritrea, Iran, Iraq, Israel, Libya, North Korea, Russian Federation, Somalia, South Sudan, Sudan, Syria, Venezuela and Yemen.

‍* Please note that list of sanctioned countries may be updated from time to time. Reference is to be made to the latest listing

Table of Premium - Standard Plan (age < 65)

Annual Plans
Types of Plan
Standard Plan 1 (RM)
Standard Plan 2 (RM)
Area 1
275.00
320.00
Area 2
400.00
490.00
Area 3
430.00
525.00

Table of Premium With Domestic - Standard Plan (age < 65)

Annual Plans
Types of Plan
Standard Plan 1 (RM)
Standard Plan 2 (RM)
Area 1
323.00
368.00
Area 2
448.00
538.00
Area 3
478.00
573.00

Table of Add Ons Premium - Standard Plan (age < 65)

Add Ons
Add Ons
Standard Plan 1 (RM)
Standard Plan 2 (RM)
Area 1
Area 2
Area 3
Area 1
Area 2
Area 3
RM 5,000 Golf Equipment
20.00
24.00
26.00
20.00
24.00
26.00
RM 3,000 Sports Equipment/Musical Instruments
20.00
24.00
26.00
20.00
24.00
26.00
RM 2,500 Flight Cancellation or Rescheduling during Trip Cover
10.00
12.00
13.00
N/A
N/A
N/A
RM 5,000 Flight Cancellation or Rescheduling during Trip Cover
N/A
N/A
N/A
20.00
24.00
26.00
RM 3,000 Cruise Cover
10.00
12.00
13.00
N/A
N/A
N/A
RM 6,000 Cruise Cover
N/A
N/A
N/A
20.00
24.00
26.00
RM 100,000 Medical Expenses Top Up
20.00
25.00
30.00
20.00
25.00
30.00
Pandemic Cover for Overseas Trip only
44.00
64.00
69.00
51.00
78.50
84.00

Table of Benefits - Senior Plan (age ≥ 65 to ≤ 75)

Personal Accident
Personal Accident
Limit Per Person / Event
Senior Plan 1
Sum Insured (RM)
Senior Plan 2
Sum Insured (RM)
1. Accidental Death / Accidental Permanent Disablement
Pays as a result of Accidental Death and Accidental Permanent Disablement of Insured Person up to RM600,000.
Per adult
300,000
600,000
2. Child Education
Pays as a result of Accidental Death of Insured Person who has any children for their education.
Per event
N/A
N/A
Medical Benefits
Medical Benefits
Limit Per Person / Event
Senior Plan 1
Sum Insured (RM)
Senior Plan 2
Sum Insured (RM)
3A. Medical, Hospital and Treatment Expenses
Reimburses expenses (including cost of emergency dental treatment) incurred during accident or sickness.
Per adult
125,000
175,000
3B. Compassionate Visitation (Due To Hospitalisation of Insured Person)
Pays for additional expenses of one relative or friend required on medical advice to travel or remain behind with you.
Per adult
5,000
8,000
Subject to Medical, Hospital and Treatment Expenses Limit
3C. Compassionate Visitation (Due To Insured Person's Death)
In the event of the Insured's death whilst on the trip, reimburses for travel and accommodation expenses for one relative or friend to assist in the burial or cremation arrangements in the locality where death occurs.
Per adult
5,000
8,000
Subject to Medical, Hospital and Treatment Expenses Limit
3D. Alternative Medical Treatment
Reimburses medical expenses for traditional medicine, osteopath, physiotherapy and chiropractor.
Per adult/child
500
1,000
Subject to Medical, Hospital and Treatment Expenses Limit
3E. Child Care
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 (RM500 per day).
Per event
N/A
N/A
Subject to Medical, Hospital and Treatment Expenses Limit
3F. Medical Treatment In Malaysia
Reimburses for follow-up treatment within 90 days of initial treatment upon return to Malaysia.
Per adult
10,000
15,000
Subject to Medical, Hospital and Treatment Expenses Limit
3G. Hospital Allowance
Pays for each complete day you are confined in a hospital on top of medical cost incurred (RM250 per day).
Per adult
7,500
15,000
Emergency Medical Evacuation & Repatriation
Emergency Medical Evacuation & Repatriation
Limit Per Person / Event
Senior Plan 1
Sum Insured (RM)
Senior Plan 2
Sum Insured (RM)
3H. Emergency Medical Evacuation
Emergency transportation and medical care en route to move you (in a medical critical condition) to the nearest hospital.
Per event
Unlimited
Unlimited
3I. 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.
Per event
Unlimited
Unlimited
3J. Repatriation Of Mortal Remains
Pays for the cost of burial or cremation in the locality where death occurs or the expenses of transporting the mortal remains back to Malaysia.
Per adult
Unlimited
Unlimited
Personal Belongings
Personal Belongings
Limit Per Person / Event
Senior Plan 1
Sum Insured (RM)
Senior Plan 2
Sum Insured (RM)
4A. Baggage And Personal Effects
Pays for loss of or damage to your baggage and personal effects due to theft or negligence of the common carrier. Maximum limit for any one item or pair or set of articles is up to RM500. Maximum limit per baggage is up to RM300.
Maximum limit per laptop is RM1,000.
Per adult
5,000
7,500
4B. Money and Travel 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 RM1,000 for Plan 1 and RM1,500 for Plan 2.
Per adult
5,000
7,500
4C. Baggage Delay
Pay if your checked-in baggage is delayed for each full 6 consecutive hours (RM200 for every 6 hours) upon arrival at your destination abroad.
Per adult
800
1,600
Travel Inconvenience Benefits
Travel Inconvenience Benefits
Limit Per Person / Event
Senior Plan 1
Sum Insured (RM)
Senior Plan 2
Sum Insured (RM)
5A. Travel Delay, Overbooked, Misconnection or Reroute
Pays if the conveyance is delayed from the scheduled departure time, or if due to overbooked or misconnection by common air carrier and no alternative transportation is provided, or if the arrival of the scheduled public conveyance is delayed due to rerouting for each full 6 consecutive hours delay (RM200 for every 6 hours).
Per adult
2,000
3,200
5B. Cancellation or Postponement
Reimburses for irrecoverable travel and accommodation expenses paid in advance due to death, serious injury or illness to you or your immediate family or a natural disaster at your destination, provided that the insurance is purchased not less than 14 days prior to the commencement of the scheduled trip.
Per adult
20,000
20,000
5C. Travel Curtailment
Reimburses for proportional return of irrecoverable prepaid cost incurred, if it is necessary and unavoidable to curtail your trip.
Per adult
20,000
20,000
5D. Hijacking
Pays for each full 24 consecutive hours of hijack (RM1,000 / 24 hours)
Per adult
10,000
20,000
5E. Missed Departure
Reimburses for additional accommodation and travel expenses necessarily and reasonably incurred, as a result of strike, industrial action, natural disaster, inclement weather condition, mechanical breakdown of the public transport which prevented you from arriving at your outbound port, airport or station in time.
Per adult
1,000
2,000
5F. Loss of Use of Entertainment Tickets
Reimburses for unused and irrecoverable deposits or payment made for entertainment (tourist attraction centres/concerts) ticket charges due to death, hospitalisation or due to adverse weather condition or Natural Disaster at planned destination. (Max RM250 per ticket)
Per adult
1,000
2,000
6. Loss of Credit Card
Pays you for fraudulent usage of your credit card
Per adult
5,000
10,000
7. Personal Liability
Indemnifies you for legal liability towards third parties or damage to their property due to your negligence
Per adult
1,000,000
1,000,000
8. Rental Car Excess Cover
Pays for any excess/deductible which you become legally liable to pay in respect of loss or damage to rental vehicle during the rental period.
Per adult
1,000
2,000
9. Ransom Payment As A Result Of Kidnapping & Hostage
Pays for the ransom payment as a result of kidnapping and hostage outside Malaysia.
Per adult
100,000
200,000
10. Home Care
Pays for damages to your home contents as a result of burglary or fire when your house is left vacant while travelling. Maximum limit for any one item or pair or set of articles is up to RM500.
Per event
5,000
5,000
*Special Coverages
Terrorism, Leisure (Hot Air Ballooning, Parachuting, Sky Diving, Bungee Jumping, Scuba Diving, Winter Sports), and Natural Disasters are covered.

Table of Optional Add-Ons - Standard Plan (age < 65)

Add Ons
Add Ons
Limit Per Person / Event
Senior Plan 1
Sum Insured (RM)
Senior Plan 2
Sum Insured (RM)
1. Golf Equipment
Pays for the cost of replacement or repair of the Lost or Damaged Equipment, maximum limit RM5,000, whichever is lower, up to a maximum of RM500 per item.
Per adult
5,000
5,000
2. Sports Equipment/Musical Instruments
Pays the cost of replacement or repair of the Lost or Damaged Equipment, maximum limit RM3,000, whichever is lower, up to a maximum of RM500 per item.
Per adult
3,000
3,000
3. Flight Cancellation or Rescheduling during Trip
Reimburses you for the non-refundable, prepaid expenses or deposits paid for your trip if the loss was caused by the scheduled departure flight being cancelled or rescheduled by the operator of the Common Carrier during the your Trip. This includes the additional cost incurred for taking alternative transportation if you choose to continue with your trip.
Per adult
2,500
5,000
4. Cruise Cover
Reimburses the additional expenses to join the cruise due to missed connection as a result of flight delay or rejoin due to hospitalisation on land. Also reimburses for additional expenses to secure return flight home due to delay in the cruise arriving at disembarkation port.
Per adult
3,000
6,000
5. Domestic Travel Extension
Option to extend cover for domestic travels.
Per adult
Refer to “Schedule of Benefits for Domestic Travel Extension” for details
Refer to “Schedule of Benefits for Domestic Travel Extension” for details
Schedule of Benefits for Domestic Travel Extension
Personal Accident
Limit Per Person / Event
Senior Plan 1
Sum Insured (RM)
Senior Plan 2
Sum Insured (RM)
1. Accidental Death / Accidental Permanent Disablement
Pays as a result of Accidental Death of Insured Person who has any children for their education.Pays as a result of Accidental Death and Accidental Permanent Disablement of Insured Person up to RM125,000.
Per adult
125,000
125,000
Medical Benfits
(Accidental Cause Only)
Limit Per Person / Event
Senior Plan 1
Sum Insured (RM)
Senior Plan 2
Sum Insured (RM)
2A. Medical, Hospital andTreatment Expenses
Reimburses expenses (including cost of emergency dental treatment) incurred during accident or sickness.
Per adult/child
12,500
12,500
2B. Hospital Allowance
Pays for each complete day you are confined in a hospital on top of medical cost incurred (RM50 per day).
Per event
1,500
1,500
Emergency Medical Evacuation & Repatriation
(Accident Causes Only)
Limit Per Person / Event
Senior Plan 1
Sum Insured (RM)
Senior Plan 2
Sum Insured (RM)
3A. Emergency Medical Evacuation
Emergency transportation and medical care en route to move you (in a medical critical condition) to the nearest hospital.
Per event
100,000
100,000
3B. 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.
Per event
100,000
100,000
3C. Repatriation of Mortal Remains
Pays for the cost of burial or cremation in the locality where death occurs or the expenses of transporting the mortal remains back to Malaysia.
Per event
5,000
5,000
Personal Belongings Benefits
Limit Per Person / Event
Senior Plan 1
Sum Insured (RM)
Senior Plan 2
Sum Insured (RM)
4. Baggage Delay
Pay if your checked-in baggage is delayed for each full 6 consecutive hours (RM100 for every 6 hours) upon arrival at your destination abroad.
Per adult/child
400
400
Travel Inconvenience Benefits
Limit Per Person / Event
Senior Plan 1
Sum Insured (RM)
Senior Plan 2
Sum Insured (RM)
5A. Travel Delay, Overbooked,Misconnection or Reroute
Pays if the conveyance is delayed from the scheduled departure time, or if due to overbooked or misconnection by common air carrier and no alternative transportation is provided, or if the arrival of the scheduled public conveyance is delayed due to rerouting for each full 6 consecutive hours delay (RM100 for every 6 hours).
Per adult/child
1,000
1,000
5B. Cancellation or Postponement
Reimburses for irrecoverable travel and accommodation expenses paid in advance due to death, serious injury or illness to you or your immediate family or a natural disaster at your destination, provided that the insurance is purchased not less than 14 days prior to the commencement of the scheduled trip.
Per adult/child
2,000
2,000
5C. Travel Curtailment
Reimburses for proportional return of irrecoverable prepaid cost incurred, if it is necessary and unavoidable to curtail your trip.
Per adult/child
2,000
2,000
5D. Missed Departure
Reimburses for additional accommodation and travel expenses necessarily and reasonably incurred, as a result of strike, industrial action, natural disaster, inclement weather condition, mechanical breakdown of the public transport which prevented you from arriving at your outbound port, airport or station in time.
Per adult/child
1,000
1,000
5E. Personal Liability
Indemnifies you for legal liability towards third parties or damage to their property due to your negligence
Per adult/child
100,000
100,000

Areas of Coverage

Area 1

Travel from Malaysia to Australia, Brunei, Cambodia, China (excluding Mongolia, Nepal & Tibet), Hong Kong, Macau, India, Indonesia, Japan, South Korea, Laos, New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand and Vietnam only.

Area 2

Worldwide EXCLUDING USA, Canada, Sanctioned Countries and Malaysia.

Area 3

Worldwide EXCLUDING Sanctioned Countries and Malaysia.

Sanctioned Countries/ Fully Embargoed and Comprehensive Sanctioned Countries/ Territories*

Afghanistan, Belarus, Burma (Myanmar), Central African Republic, Crimea Region and the Zaporizhzhia, Kherson, Donetsk and Luhansk People’s region, Cuba, Democratic Republic of the Congo, Eritrea, Iran, Iraq, Israel, Libya, North Korea, Russian Federation, Somalia, South Sudan, Sudan, Syria, Venezuela and Yemen.

‍* Please note that list of sanctioned countries may be updated from time to time. Reference is to be made to the latest listing

Table of Premium - Senior Plan (age ≥ 65 to ≤ 75)

Annual Plans
Types of Plan
Senior Plan 1 (RM)
Senior Plan 2 (RM)
Area 1
500.00
580.00
Area 2
720.00
890.00
Area 3
780.00
950.00

Table of Premium With Domestic - Senior Plan (age ≥ 65 to ≤ 75)

Annual Plans
Types of Plan
Senior Plan 1 (RM)
Senior Plan 2 (RM)
Area 1
572.00
652.00
Area 2
792.00
962.00
Area 3
852.00
1,022.00

Table of Add Ons Premium - Standard Plan (age < 65)

Add Ons
Add Ons
Senior Plan 1 (RM)
Senior Plan 2 (RM)
Area 1
Area 2
Area 3
Area 1
Area 2
Area 3
RM 5,000 Golf Equipment
20.00
24.00
26.00
20.00
24.00
26.00
RM 3,000 Sports Equipment/Musical Instruments
20.00
24.00
26.00
20.00
24.00
26.00
RM 2,500 Flight Cancellation or Rescheduling during Trip Cover
10.00
12.00
13.00
N/A
N/A
N/A
RM 5,000 Flight Cancellation or Rescheduling during Trip Cover
N/A
N/A
N/A
20.00
24.00
26.00
RM 3,000 Cruise Cover
10.00
12.00
13.00
N/A
N/A
N/A
RM 6,000 Cruise Cover
N/A
N/A
N/A
20.00
24.00
26.00
RM 100,000 Medical Expenses Top Up
20.00
25.00
30.00
20.00
25.00
30.00
Pandemic Cover for Overseas Trip only
80.00
115.00
125.00
93.00
142.50
152.00

Table of Benefits - Family Plan (age < 65)

Personal Accident
Personal Accident
Limit Per Person / Event
Family Plan
Sum Insured (RM)
1. Accidental Death / Accidental Permanent Disablement
Pays as a result of Accidental Death and Accidental Permanent Disablement of Insured Person up to RM350,000.
Per adult
350,000
Per child
75,000
Per family
1,050,000
2. Child Education
Pays as a result of Accidental Death of Insured Person who has any children for their education fees.
Per event
10,000
Medical Benefits
Medical Benefits
Limit Per Person / Event
Standard Plan
Sum Insured (RM)
3A. Medical, Hospital and Treatment Expenses
Reimburses expenses (including cost of emergency dental treatment) incurred during accident or sickness.
Per adult/child
350,000
Per family
1,050,000
3B. Compassionate Visitation (Due To Hospitalisation of Insured Person)
Pays for additional expenses of one relative or friend required on medical advice to travel or remain behind with you.
Per adult/child
7,500
Per family
22,500
Subject to Medical, Hospital and Treatment Expenses Limit
3C. Compassionate Visitation (Due To Insured Person's Death)
In the event of the Insured's death whilst on the trip, reimburses for travel and accommodation expenses for one relative or friend to assist in the burial or cremation arrangements in the locality where death occurs.
Per adult/child
7,500
Per family
22,500
Subject to Medical, Hospital and Treatment Expenses Limit
3D. Alternative Medical Treatment
Reimburses medical expenses for traditional medicine, osteopath, physiotherapy and chiropractor.
Per adult/child
1,000
Per family
1,000
Subject to Medical, Hospital and Treatment Expenses Limit
3E. Child Care
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 (RM500 per day).The maximum limit for Child Care is up to RM15,000.
Per event
5,000
Subject to Medical, Hospital and Treatment Expenses Limit
3F. Medical Treatment In Malaysia
Reimburses for follow-up treatment within 90 days of initial treatment upon return to Malaysia.
Per adult/child
30,000
Per family
90,000
Subject to Medical, Hospital and Treatment Expenses Limit
3G. Hospital Allowance
Pays for each complete day you are confined in a hospital on top of medical costs incurred (RM350 per day for overseas travel).
Per adult/child
10,500
Per family
31,500
Emergency Medical Evacuation & Repatriation
Emergency Medical Evacuation & Repatriation
Limit Per Person / Event
Standard Plan
Sum Insured (RM)
3H. Emergency Medical Evacuation
Emergency transportation and medical care en route to move you (in a medical critical condition) to the nearest hospital.
Per event
Unlimited
3I. 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.
Per event
Unlimited
3J. Repatriation Of Mortal Remains
Pays for the cost of burial or cremation in the locality where death occurs or the expenses of transporting the mortal remains back to Malaysia.
Per adult/child
Unlimited
Personal Belongings
Personal Belongings
Limit Per Person / Event
Standard Plan
Sum Insured (RM)
4A. Baggage And Personal Effects
Pays for loss of or damage to your baggage and personal effects due to theft or negligence of the common carrier. Maximum limit for any one item or pair or set of articles is up to RM500. Maximum limit per baggage is up to RM300. Maximum limit per laptop is up to RM1,000.
Per adult/child
7,500
Per family
22,500
4B. Money and Travel 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 RM1,500 per adult/child and RM4,500 per family.
Per adult/child
7,500
Per family
22,500
4C. Baggage Delay
Pay if your checked-in baggage is delayed for each full 6 consecutive hours (RM200 for every 6 hours) upon arrival at your destination abroad.
Per adult/child
800
Per family
2,400
Travel Inconvenience Benefits
Travel Inconvenience Benefits
Limit Per Person / Event
Standard Plan
Sum Insured (RM)
5A. Travel Delay, Overbooked, Misconnection or Reroute
Pays if the conveyance is delayed from the scheduled departure time, or if due to overbooked or misconnection by common air carrier and no alternative transportation is provided, or if the arrival of the scheduled public conveyance is delayed due to rerouting for each full 6 consecutive hours delay (RM200 for every 6 hours).
Per adult/child
3,200
Per family
9,600
5B. Cancellation or Postponement
Reimburses for irrecoverable travel and accommodation expenses paid in advance due to death, serious injury or illness to you or your immediate family or a natural disaster at your destination, provided that the insurance is purchased not less than 14 days prior to the commencement of the scheduled trip.
Per adult/child
20,000
Per family
60,000
5C. Travel Curtailment
Reimburses for proportional return of irrecoverable prepaid cost incurred, if it is necessary and unavoidable to curtail your trip.
Per adult/child
20,000
Per family
60,000
5D. Hijacking
Pays for each full 24 consecutive hours of hijack (RM1,000 / 24 hours)
Per adult/child
10,000
Per family
30,000
5E. Missed Departure
Reimburses for additional accommodation and travel expenses necessarily and reasonably incurred, as a result of strike, industrial action, natural disaster, inclement weather condition, mechanical breakdown of the public transport which prevented you from arriving at your outbound port, airport or station in time.
Per adult/child
2,000
Per family
6,000
5F. Loss of Use of Entertainment Tickets
Reimburses for unused and irrecoverable deposits or payment made for entertainment (tourist attraction centres/concerts) ticket charges due to death, hospitalisation or due to adverse weather condition or Natural Disaster at planned destination. (Max RM250 per ticket)
Per adult/child
1,000
Per family
3,000
6. Loss of Credit Card
Pays you for fraudulent usage of your credit card
Per adult/child
5,000
Per family
15,000
7. Personal Liability
Indemnifies you for legal liability towards third parties or damage to their property due to your negligence
Per adult/child
1,000,000
Per family
3,000,000
8. Rental Car Excess Cover
Pays for any excess/deductible which you become legally liable to pay in respect of loss or damage to rental vehicle during the rental period.
Per adult/child
1,000
Per family
3,000
9. Ransom Payment As A Result Of Kidnapping & Hostage
Pays for the ransom payment as a result of kidnapping and hostage outside Malaysia.
Per adult/child
100,000
Per family
300,000
10. Home Care
Pays for damages to your home contents as a result of burglary or fire when your house is left vacant while travelling. Maximum limit for any one item or pair or set of articles is up to RM500.
Per event
5,000
Per family
15,000
*Special Coverages
Terrorism, Leisure (Hot Air Ballooning, Parachuting, Sky Diving, Bungee Jumping, Scuba Diving, Winter Sports), and Natural Disasters are covered.

Table of Optional Add-Ons - Family Plan (age < 65)

Add Ons
Add Ons
Limit Per Person / Event
Standard Plan
Sum Insured (RM)
1. Golf Equipment
Pays for the cost of replacement or repair of the Lost or Damaged Equipment, maximum limit RM5,000, whichever is lower, up to a maximum of RM500 per item.
Per adult/child
5,000
Per family
15,000
2. Sports Equipment/Musical Instruments
Pays the cost of replacement or repair of the Lost or Damaged Equipment, maximum limit RM3,000, whichever is lower, up to a maximum of RM500 per item.
Per adult/child
3,000
Per family
9,000
3. Flight Cancellation or Rescheduling during Trip
Reimburses you for the non-refundable, prepaid expenses or deposits paid for your trip if the loss was caused by the scheduled departure flight being cancelled or rescheduled by the operator of the Common Carrier during the your Trip. This includes the additional cost incurred for taking alternative transportation if you choose to continue with your trip.
Per adult/child
5,000
Per family
15,000
4. Cruise Cover
Reimburses the additional expenses to join the cruise due to missed connection as a result of flight delay or rejoin due to hospitalisation on land. Also reimburses for additional expenses to secure return flight home due to delay in the cruise arriving at disembarkation port.
Per adult/child
3,000
Per family
9,000
5. Medical Expenses Top Up
By opting this add on, Medical, Hospital and Treatment Expenses shall increase by additional Sum Insured of RM100,000.
Per adult/child
100,000
6. Accidental Death & Permanent Disablement Top Up
By opting this add on, Accidental Death & Accidental Permanent Disablement shall increase by additional Sum Insured of RM100,000.
Per adult/child
100,000
7. Domestic Travel Extension
Option to extend cover for domestic travels.
Per adult/child
Refer to “Schedule of Benefits for Domestic Travel Extension” for details
Schedule of Benefits for Domestic Travel Extension
Personal Accident
Limit Per Person / Event
Standard Plan
Sum Insured (RM)
1. Accidental Death / Accidental Permanent Disablement
Pays as a result of Accidental Death and Accidental Permanent Disablement of Insured Person up to RM250,000.
Per adult
250,000
Per child
62,500
Per family
750,000
Medical Benfits
(Accidental Cause Only)
Limit Per Person / Event
Standard Plan
Sum Insured (RM)
2A. Medical, Hospital andTreatment Expenses
Reimburses expenses (including cost of emergency dental treatment) incurred during accident or sickness.
Per adult/child
25,000
Per family
75,000
2B. Hospital Allowance
Pays for each complete day you are confined in a hospital on top of medical cost incurred (RM100 per day).
Per event
3,000
Per family
9,000
Emergency Medical Evacuation & Repatriation
(Accident Causes Only)
Limit Per Person / Event
Standard Plan
Sum Insured (RM)
3A. Emergency Medical Evacuation
Emergency transportation and medical care en route to move you (in a medical critical condition) to the nearest hospital.
Per event
100,000
3B. 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.
Per event
100,000
3C. Repatriation of Mortal Remains
Pays for the cost of burial or cremation in the locality where death occurs or the expenses of transporting the mortal remains back to Malaysia.
Per event
5,000
Personal Belongings Benefits
Limit Per Person / Event
Standard Plan
Sum Insured (RM)
4. Baggage Delay
Pay if your checked-in baggage is delayed for each full 6 consecutive hours (RM100 for every 6 hours) upon arrival at your destination abroad.
Per adult/child
400
Per family
1,200
Travel Inconvenience Benefits
Limit Per Person / Event
Standard Plan
Sum Insured (RM)
5A. Travel Delay, Overbooked,Misconnection or Reroute
Pays if the conveyance is delayed from the scheduled departure time, or if due to overbooked or misconnection by common air carrier and no alternative transportation is provided, or if the arrival of the scheduled public conveyance is delayed due to rerouting for each full 6 consecutive hours delay (RM100 for every 6 hours).
Per adult/child
1,000
Per family
3,000
5B. Cancellation or Postponement
Reimburses for irrecoverable travel and accommodation expenses paid in advance due to death, serious injury or illness to you or your immediate family or a natural disaster at your destination, provided that the insurance is purchased not less than 14 days prior to the commencement of the scheduled trip.
Per adult/child
2,000
Per family
6,000
5C. Travel Curtailment
Reimburses for proportional return of irrecoverable prepaid cost incurred, if it is necessary and unavoidable to curtail your trip.
Per adult/child
2,000
Per family
6,000
5D. Missed Departure
Reimburses for additional accommodation and travel expenses necessarily and reasonably incurred, as a result of strike, industrial action, natural disaster, inclement weather condition, mechanical breakdown of the public transport which prevented you from arriving at your outbound port, airport or station in time.
Per adult/child
1,000
Per family
3,000
5E. Personal Liability
Indemnifies you for legal liability towards third parties or damage to their property due to your negligence
Per adult/child
100,000
Per family
300,000

Areas of Coverage

Area 1

Travel from Malaysia to Australia, Brunei, Cambodia, China (excluding Mongolia, Nepal & Tibet), Hong Kong, Macau, India, Indonesia, Japan, South Korea, Laos, New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand and Vietnam only.


Area 2

Worldwide EXCLUDING USA, Canada, Sanctioned Countries and Malaysia.

Area 3

Worldwide EXCLUDING Sanctioned Countries and Malaysia.

Sanctioned Countries/ Fully Embargoed and Comprehensive Sanctioned Countries/ Territories*

Afghanistan, Belarus, Burma (Myanmar), Central African Republic, Crimea Region and the Zaporizhzhia, Kherson, Donetsk and Luhansk People’s region, Cuba, Democratic Republic of the Congo, Eritrea, Iran, Iraq, Israel, Libya, North Korea, Russian Federation, Somalia, South Sudan, Sudan, Syria, Venezuela and Yemen.

‍* Please note that list of sanctioned countries may be updated from time to time. Reference is to be made to the latest listing

Table of Premium - Family Plan (age < 65)

Standard Plan
Days
Area 1
Family Plan (RM)
Area 2
Family Plan (RM)
Area 3
Family Plan (RM)
1-5
105.00
192.00
212.00
6-10
155.00
277.00
312.00
11-18
222.00
415.00
465.00
19-31
273.00
520.00
590.00
Each additional week thereafter
70.00
127.00
147.00

Table of Premium With Domestic Extension - Family Plan (age < 65)

Standard Plan
Days
Area 1
Family Plan (RM)
Area 2
Family Plan (RM)
Area 3
Family Plan (RM)
1-5
125.00
212.00
232.00
6-10
175.00
297.00
332.00
11-18
242.00
435.00
485.00
19-31
293.00
540.00
610.00
Each additional week thereafter
80.00
137.00
157.00

Table of Add Ons Premium: RM5,000 Golf Equipment - Family Plan (age < 65)

RM5,000 Golf Equipment
Days
Area 1
Family Plan (RM)
Area 2
Family Plan (RM)
Area 3
Family Plan (RM)
1-5
18.00
20.00
22.00
6-10
25.00
29.00
32.00
11-18
36.00
44.00
49.00
19-31
48.00
57.00
62.00
Each additional week thereafter
10.00
12.00
12.00

Table of Add Ons Premium: RM3,000 Sports Equipment/Musical Instruments - Family Plan (age < 65)

RM3,000 Sports Equipment/Musical Instruments
Days
Area 1
Family Plan (RM)
Area 2
Family Plan (RM)
Area 3
Family Plan (RM)
1-5
18.00
20.00
22.00
6-10
25.00
29.00
32.00
11-18
36.00
44.00
49.00
19-31
48.00
57.00
62.00
Each additional week thereafter
10.00
12.00
12.00

Table of Add Ons Premium: RM5,000 Flight Cancellation or Rescheduling - Family Plan (age < 65)

RM5,000 Flight Cancellation or Rescheduling
Days
Area 1
Family Plan (RM)
Area 2
Family Plan (RM)
Area 3
Family Plan (RM)
1-5
18.00
20.00
22.00
6-10
25.00
29.00
32.00
11-18
36.00
44.00
49.00
19-31
48.00
57.00
62.00
Each additional week thereafter
10.00
12.00
12.00

Table of Add Ons Premium: RM3,000 Cruise Cover - Family Plan (age < 65)

RM3,000 Cruise Cover
Days
Area 1
Family Plan (RM)
Area 2
Family Plan (RM)
Area 3
Family Plan (RM)
1-5
9.00
13.00
13.00
6-10
11.00
14.00
18.00
11-18
16.00
20.00
22.00
19-31
24.00
30.00
32.00
Each additional week thereafter
5.00
5.00
7.00

Table of Add Ons Premium: RM100,000 Medical Expenses Top Up - Family Plan (age < 65)

RM100,000 Medical Expenses Top Up
Days
Area 1
Family Plan (RM)
Area 2
Family Plan (RM)
Area 3
Family Plan (RM)
1-5
16.00
21.00
21.00
6-10
22.00
27.00
33.00
11-18
34.00
44.00
48.00
19-31
46.00
58.00
62.00
Each additional week thereafter
9.00
11.00
12.00

Table of Add Ons Premium: RM100,000 Accidental Death & Permanent Disablement Top Up - Family Plan (age < 65)

RM100,000 Accidental Death & Permanent Disablement Top Up
Days
Area 1
Family Plan (RM)
Area 2
Family Plan (RM)
Area 3
Family Plan (RM)
1-5
16.00
21.00
21.00
6-10
22.00
27.00
33.00
11-18
34.00
44.00
48.00
19-31
46.00
58.00
62.00
Each additional week thereafter
9.00
11.00
12.00

Table of Add Ons Premium: Pandemic Cover - Family Plan (age < 65)

Pandemic Cover
Days
Area 1
Family Plan (RM)
Area 2
Family Plan (RM)
Area 3
Family Plan (RM)
1-5
21.00
38.50
42.50
6-10
31.00
55.50
62.50
11-18
44.50
83.00
93.00
19-31
54.50
104.00
118.00
Each additional week thereafter
14.00
25.50
29.50
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