Adult
Child


    Start
    End
    Elite
    Basic
    Lite

    Your Benefits Table   

    Lite Basic Elite

    Section A - Personal Accident

    Personal Accident
    Accidental Death.
    Family Plan Per Adult RM 100,000 RM 100,000 RM 350,000
    Family Plan Per Child RM 25,000 RM 25,000 RM 87,500
    Individual Plan Per Adult/Child RM 100,000 RM 100,000 RM 350,000
    Permanent Total Disablement. Per Adult/Child RM 100,000 RM 100,000 RM 350,000
    Loss of Sight of One or Both Eyes or Loss one or more Limbs. Per Adult/Child RM 100,000 RM 100,000 RM 350,000
    Maximum Per Family for Personal Accident. Per Family RM 300,000 RM 300,000 RM 1,050,000
    Child Education Fund
    Payable to the surviving children for their education fund in the event of accidental death of Insured Person. Per Event N/A N/A RM 10,000

    Section B - Medical & Other Expenses

    Medical, Hospital & Other Expenses
    Reimburse necessary expenses incurred during accident or sickness. Up to 70 years
    Above 70 years
    Per Family
    N/A
    N/A
    N/A
    RM 100,000
    RM 50,000
    RM 300,000
    RM 350,000
    RM 175,000
    RM 1,050,000
    Alternative Medicine
    Reimburse expenses incurred for Traditional Chinese Medicine, Osteopathy, Physiotheraphy and Chiropractic.
    (Subject to Medical, Hospital & Other Expenses limit)
    Per Adult/Child
    Per Family
    N/A
    N/A
    N/A
    N/A
    RM 1,000
    RM 2,000
    Compassionate Visitation Care (due to hospitalization of the Insured Person)
    Reimburse reasonable additional accommodation and economy class air fare incurred by a relative or friend who is required on medical advice to travel with or remain with you while overseas.
    (Subject to Medical, Hospital & Other Expenses limit)
    Per Adult/Child
    Per Family
    N/A
    N/A
    RM 5,000
    RM 15,000
    RM 7,500
    RM 22,500
    Medical Treatment in Malaysia
    Reimburse follow-up treatment within 60 days upon return to Malaysia.
    (Subject to Medical, Hospital & Other Expenses limit)
    Up to 70 years
    Above 70 years
    Per Family
    N/A
    N/A
    N/A
    RM 15,000
    RM 7,500
    RM 40,000
    RM 30,000
    RM 15,000
    RM 90,000
    Compassionate Visitation Benefit (due to Insured Person's death)
    Reimburse reasonable travel and hotel accommodation expenses incurred by a relative or friend to assist in the burial or cremation arrangements in the locality of the Insured Person's death.
    (Subject to Medical, Hospital & Other Expenses limit)
    Per Adult/Child
    Per Family
    N/A
    N/A
    RM 5,000
    RM 15,000
    RM 7,500
    RM 22,500
    Child Care Benefit
    Reimburse reasonable additional expenses of an immediate family member to accompany your children whilst you are hospitalized including the cost of a return economy class air ticket.
    (Subject to Medical, Hospital & Other Expenses limit)
    Per Adult
    Per Family
    N/A
    N/A
    RM 5,000
    RM 15,000
    RM 5,000
    RM 15,000
    Hospital Allowance
    Pay for each full day of confinement to hospital as an in-patient in addition to the medical cost incurred.
    - Lite: RM200 per day
    - Elite: RM250 per day
    (Subject to Medical, Hospital & Other Expenses limit)
    Per Adult/Child
    Per Family
    RM 10,000
    RM 30,000
    N/A
    N/A
    RM 10,000
    RM 30,000

    Section C - Emergency Medical Evacuation & Repatriation

    Emergency Medical Evacuation
    Reimburse charges incurred for transporting the Insured Person with a serious medical condition to the nearest hospital. Per Adult/Child N/A Unlimited Unlimited
    Emergency Medical Repatriation
    Reimburse repatriation cost which is medically necessary for transporting the Insured Person back to Malaysia to continue treatment in the event that the Insured Person is hospitalized abroad. Per Adult/Child N/A Unlimited Unlimited
    Repatriation of Mortal Remains
    Reimburse conveyance of the mortal remains back to Malaysia in the event of accidental death or illness during the trip Maximum limit payable for Emergency Medical Evacuation or Repatriation or Repatriation of Mortal Remains. Per Adult/Child

    Per Adult
    (Above 70 years)
    N/A

    N/A
    Unlimited

    RM 100,000
    Unlimited

    RM 150,000

    Section D - Travel Inconveniences & Other Travel Related Benefits

    Loss Of Baggage And Personal Effects
    Reimburse loss of or damage to your personal luggage and personal effects.
    (maximum RM 500 any one article or pair or set of articles)
    Per Adult/Child
    Per Family
    N/A
    N/A
    N/A
    N/A
    RM 5,000
    RM 15,000
    Personal Money & Documents
    Reimburse loss of travel documents, money, additional travel and accommodation expenses incurred for the purpose of obtaining replacement passports, travel tickets and other relevant travel documents. Loss of Money due to theft is covered up to RM800. Per Adult/Child
    Per Family
    N/A
    N/A
    N/A
    N/A
    RM 5,000
    RM 15,000
    Baggage Delay
    Pay RM200 for every 6 full consecutive hours if your check-in baggage is delayed upon arrival at the scheduled destination abroad. Per Adult/Child
    Per Family
    N/A
    N/A
    N/A
    N/A
    RM 800
    RM 2,400
    Travel Delay
    Pay if the departure of the scheduled public conveyance is delayed from the scheduled time.
    - Lite: RM200 every 6 full consecutive hours.
    - Elite: RM150 for the first 6 full consecutive hours and RM200 every 6 full consecutive hours thereafter.
    Per Adult/Child
    Per Family
    RM 800
    RM 2,400
    N/A
    N/A
    RM 3,000
    RM 6,000
    Travel Re-Route
    Pay if the arrival of the scheduled public conveyance is delayed for at least 6 hours
    from the time specified in the itinerary supplied due to rerouting of the scheduled
    public conveyance, as a result of strike / industrial action, adverse weather conditions
    or mechanical breakdown.
    Per Adult/Child
    Per Family
    N/A
    N/A
    N/A
    N/A
    RM 200
    RM 600
    Loss of Deposit or Cancellation
    Reimburse loss of irrecoverable deposits of charges paid in advance in the event of
    unavoidable cancellation provided that the insurance is purchased more than 7 days from
    date of departure of your planned trip.
    Per Adult/Child
    Per Family
    N/A
    N/A
    N/A
    N/A
    RM 15,000
    RM 45,000
    Travel Curtailment
    Reimburse the proportional return of the irrecoverable prepaid costs of your planned
    trip due to curtailment if necessary and unavoidable.
    Per Adult/Child
    Per Family
    N/A
    N/A
    N/A
    N/A
    RM 15,000
    RM 45,000
    Travel Overbooked
    Pay RM200 for every 6 full consecutive hours for overbooked common air carrier
    and no alternative transportation is made available.
    Per Adult/Child
    Per Family
    N/A
    N/A
    N/A
    N/A
    RM 1,000
    RM 3,000
    Travel Misconnection
    Pay RM200 if no alternative transportation available within 4 hours of the actual
    arrival time.
    Per Adult/Child
    Per Family
    N/A
    N/A
    N/A
    N/A
    RM 200
    RM 600
    Hijacking Inconvenience
    Pay RM1,000 for every 24 full consecutive hours of hijack. Per Adult/Child
    Per Family
    N/A
    N/A
    N/A
    N/A
    RM 8,000
    RM 24,000
    Missed Departure
    Reimburse additional accommodation and travel expenses incurred in returning
    to Malaysia due to mechanical breakdown of public transport services to get you
    to the departure port, airport or train station as stated in your ticket.
    Per Adult/Child
    Per Family
    N/A
    N/A
    N/A
    N/A
    RM 1,000
    RM 3,000
    Loss of Deposit or Full Payment due to Insolvency of Airlines
    Reimburse loss of or irrecoverable deposits or advance payment made due to
    insolvency of airlines.
    Per Adult/Child
    Per Family
    N/A
    N/A
    N/A
    N/A
    RM 5,000
    RM 15,000
    Personal Liability
    Indemnify you for legal liability to third party due to your negligence. Per Adult/Child
    Per Family
    N/A
    N/A
    N/A
    N/A
    RM 1,000,000
    RM 3,000,000

    Benefits at a glance   

    Key Downloads

    Product Disclosure Sheet

    Policy Wording

    FAQ

    Product Disclosure Sheet (Lite)

    Policy Wording (Lite)

    FAQ (Lite)

    Beneficiary Nomination Form

     

    Emergency Medical evacuation & repatriation

    Unlimited

    Medical expenses
    reimbursement up to

    RM350,000 

     

    Hospital allowance up to

    RM10,000 

     

    Personal Accident coverage up to

    RM350,000 

     

    Travel Delay coverage up to

    RM3,000 

     

    Loss of baggage &
    personal effect up to

    RM5,000 

    Key Downloads

    Product Disclosure Sheet

    Policy Wording

    FAQ

    Product Disclosure Sheet (Lite)

    Policy Wording (Lite)

    FAQ (Lite)

    Beneficiary Nomination Form


    Your Benefits Table   

    Elite Basic

    Section A - Personal Accident

    Personal Accident
    Accidental Death.
    Family Plan Per Adult RM 350,000 RM 100,000
    Family Plan Per Child RM 87,500 RM 25,000
    Individual Plan Per Adult/Child RM 350,000 RM 100,000
    Permanent Total Disablement. Per Adult/Child RM 350,000 RM 100,000
    Loss of Sight of One or Both Eyes or Loss one or more Limbs. Per Adult/Child RM 350,000 RM 100,000
    Maximum Per Family for Personal Accident. Per Family RM 1,050,000 RM 300,000
    Child Education Fund
    Payable to the surviving children for their education fund in the event of accidental death of Insured Person. Per Event RM 10,000 N/A

    Section B - Medical & Other Expenses

    Medical, Hospital & Other Expenses
    Reimburse necessary expenses incurred during accident or sickness. Up to 70 years
    Above 70 years
    Per Family
    RM 350,000
    RM 175,000
    RM 1,050,000
    RM 100,000
    RM 50,000
    RM 300,000
    Alternative Medicine
    Reimburse expenses incurred for Traditional Chinese Medicine, Osteopathy, Physiotheraphy and Chiropractic.
    (Subject to Medical, Hospital & Other Expenses limit)
    Per Adult/Child
    Per Family
    RM 1,000
    RM 2,000
    N/A
    N/A
    Compassionate Visitation Care (due to hospitalization of the Insured Person)
    Reimburse reasonable additional accommodation and economy class air fare incurred by a relative or friend who is required on medical advice to travel with or remain with you while overseas.
    (Subject to Medical, Hospital & Other Expenses limit)
    Per Adult/Child
    Per Family
    RM 7,500
    RM 22,500
    RM 5,000
    RM 15,000
    Medical Treatment in Malaysia
    Reimburse follow-up treatment within 60 days upon return to Malaysia.
    (Subject to Medical, Hospital & Other Expenses limit)
    Up to 70 years
    Above 70 years
    Per Family
    RM 30,000
    RM 15,000
    RM 90,000
    RM 15,000
    RM 7,500
    RM 40,000
    Compassionate Visitation Benefit (due to Insured Person's death)
    Reimburse reasonable travel and hotel accommodation expenses incurred by a relative or friend to assist in the burial or cremation arrangements in the locality of the Insured Person's death.
    (Subject to Medical, Hospital & Other Expenses limit)
    Per Adult/Child
    Per Family
    RM 7,500
    RM 22,500
    RM 5,000
    RM 15,000
    Child Care Benefit
    Reimburse reasonable additional expenses of an immediate family member to accompany your children whilst you are hospitalized including the cost of a return economy class air ticket.
    (Subject to Medical, Hospital & Other Expenses limit)
    Per Adult
    Per Family
    RM 5,000
    RM 15,000
    RM 5,000
    RM 15,000
    Hospital Allowance
    Pay for each full day of confinement to hospital as an in-patient in addition to the medical
    cost incurred. (RM250 per day)
    (Subject to Medical, Hospital & Other Expenses limit)
    Per Adult/Child
    Per Family
    RM 10,000
    RM 30,000
    N/A
    N/A

    Section C - Emergency Medical Evacuation & Repatriation

    Emergency Medical Evacuation
    Reimburse charges incurred for transporting the Insured Person with a serious medical condition to the nearest hospital. Per Adult/Child Unlimited Unlimited
    Emergency Medical Repatriation
    Reimburse repatriation cost which is medically necessary for transporting the Insured Person back to Malaysia to continue treatment in the event that the Insured Person is hospitalized abroad. Per Adult/Child Unlimited Unlimited
    Repatriation of Mortal Remains
    Reimburse conveyance of the mortal remains back to Malaysia in the event of accidental death or illness during the trip Maximum limit payable for Emergency Medical Evacuation or Repatriation or Repatriation of Mortal Remains. Per Adult/Child

    Per Adult
    (Above 70 years)
    Unlimited

    RM 150,000
    Unlimited

    RM 100,000

    Section D - Travel Inconveniences & Other Travel Related Benefits

    Loss Of Baggage And Personal Effects
    Reimburse loss of or damage to your personal luggage and personal effects.
    (maximum RM 500 any one article or pair or set of articles)
    Per Adult/Child
    Per Family
    RM 5,000
    RM 15,000
    N/A
    N/A
    Personal Money & Documents
    Reimburse loss of travel documents, money, additional travel and accommodation expenses incurred for the purpose of obtaining replacement passports, travel tickets and other relevant travel documents. Loss of Money due to theft is covered up to RM800. Per Adult/Child
    Per Family
    RM 5,000
    RM 15,000
    N/A
    N/A
    Baggage Delay
    Pay RM200 for every 6 full consecutive hours if your check-in baggage is delayed upon arrival at the scheduled destination abroad. Per Adult/Child
    Per Family
    RM 800
    RM 2,400
    N/A
    N/A
    Travel Delay
    Pay if the departure of the scheduled public conveyance is delayed from the scheduled time.
    (RM150 for every 6 full consecutive hours delay and RM200 for every 6 full consecutive hours thereafter)
    Per Adult/Child
    Per Family
    RM 3,000
    RM 6,000
    N/A
    N/A
    Travel Re-Route
    Pay if the arrival of the scheduled public conveyance is delayed for at least 6 hours
    from the time specified in the itinerary supplied due to rerouting of the scheduled
    public conveyance, as a result of strike / industrial action, adverse weather conditions
    or mechanical breakdown.
    Per Adult/Child
    Per Family
    RM 200
    RM 600
    N/A
    N/A
    Loss of Deposit or Cancellation
    Reimburse loss of irrecoverable deposits of charges paid in advance in the event of
    unavoidable cancellation provided that the insurance is purchased more than 7 days from
    date of departure of your planned trip.
    Per Adult/Child
    Per Family
    RM 15,000
    RM 45,000
    N/A
    N/A
    Travel Curtailment
    Reimburse the proportional return of the irrecoverable prepaid costs of your planned
    trip due to curtailment if necessary and unavoidable.
    Per Adult/Child
    Per Family
    RM 15,000
    RM 45,000
    N/A
    N/A
    Travel Overbooked
    Pay RM200 for every 6 full consecutive hours for overbooked common air carrier
    and no alternative transportation is made available.
    Per Adult/Child
    Per Family
    RM 1,000
    RM 3,000
    N/A
    N/A
    Travel Misconnection
    Pay RM200 if no alternative transportation available within 4 hours of the actual
    arrival time.
    Per Adult/Child
    Per Family
    RM 200
    RM 600
    N/A
    N/A
    Hijacking Inconvenience
    Pay RM1,000 for every 24 full consecutive hours of hijack. Per Adult/Child
    Per Family
    RM 8,000
    RM 24,000
    N/A
    N/A
    Missed Departure
    Reimburse additional accommodation and travel expenses incurred in returning
    to Malaysia due to mechanical breakdown of public transport services to get you
    to the departure port, airport or train station as stated in your ticket.
    Per Adult/Child
    Per Family
    RM 1,000
    RM 3,000
    N/A
    N/A
    Loss of Deposit or Full Payment due to Insolvency of Airlines
    Reimburse loss of or irrecoverable deposits or advance payment made due to
    insolvency of airlines.
    Per Adult/Child
    Per Family
    RM 5,000
    RM 15,000
    N/A
    N/A
    Personal Liability
    Indemnify you for legal liability to third party due to your negligence. Per Adult/Child
    Per Family
    RM 1,000,000
    RM 3,000,000
    N/A
    N/A

    Benefits at a glance   

    Key Downloads

    Product Disclosure Sheet

    Policy Wording

    FAQ

    Beneficiary Nomination Form

     

    Emergency Medical evacuation & repatriation

    Unlimited

    Medical expenses
    reimbursement up to

    RM350,000 

     

    Hospital allowance up to

    RM10,000 

     

    Personal Accident coverage up to

    RM350,000 

     

    Travel Delay coverage up to

    RM3,000 

     

    Loss of baggage &
    personal effect up to

    RM5,000 

    Key Downloads

    Product Disclosure Sheet

    Policy Wording

    FAQ

    Beneficiary Nomination Form