Schedule of Benefits
Section | Benefits | Sum Covered (RM) | ||
---|---|---|---|---|
Bronze | Silver | Gold | ||
(1) | Personal Accident Benefits | |||
A |
Accidental Death Pays lump sum upon death due to an accident |
100,000 / adult 25,000 / child 300,000 / family |
200,000 / adult 50,000 / child 600,000 / family |
300,000 / adult 75,000 / child 900,000 / family |
B |
Accidental Permanent Total Disablement Pays if the person covered suffers permanent disablement due to an accident |
100,000 / individual 300,000 / family |
200,000 / individual 600,000 / family |
300,000 / individual 900,000 / family |
C |
Accidental Permanent Loss Pays in accordance to the scale of indemnity |
100,000 / individual 300,000 / family |
200,000 / individual 600,000 / family |
300,000 / individual 900,000 / family |
D |
Child Education Fund Pays additional cash payout if the person covered has surviving children upon his death due to an accident |
N/A | 5,000 / event | 10,000 / event |
Section | Benefits | Sum Covered (RM) | ||
Bronze | Silver | Gold | ||
(2) | Medical and Other Related Benefits | |||
A |
Overseas Medical Expenses Reimburses expenses (including cost of emergency dental treatment) incurred due to an accident or illness
|
|
|
|
B |
Follow-up Treatment in Malaysia1 Reimburses for follow-up treatment within 90 days upon return to Malaysia
|
|
|
|
C |
Compassionate Visitation Benefit1 Reimburses for additional expenses incurred for one person required on medical advice to travel and remain behind with the person covered due to his death or hospitalisation |
5,000 / individual 15,000 / family |
7,500 / individual 22,500 / family |
10,000 / individual 30,000/ family |
D |
Child Guard Benefit1 Reimburses for additional expenses incurred for one person required to travel and take care of the children of person covered whilst he is confined to a hospital |
5,000 / event | 7,500 / event | 10,000 / event |
E |
Alternative Medical Treatment1 Reimburses expenses incurred for medical treatment by registered traditional medicine practitioner |
N/A |
500 / individual 1,500 / family |
1,000 / individual 3,000 / family |
Section | Benefits | Sum Covered (RM) | ||
Bronze | Silver | Gold | ||
(3) |
Hospital Allowance Pays for each complete day the person covered is confined to a hospital on top of the medical costs incurred |
|||
Per Day | 150 | 250 | 350 | |
Per Event |
3,000 / individual 9,000 / family |
5,000 / individual 15,000 / family |
10,500 / individual 31,500 / family |
|
Section | Benefits | Sum Covered (RM) | ||
Bronze | Silver | Gold | ||
(4) | Emergency Medical Evacuation and Repatriation Benefits | |||
A |
Compassionate Allowance Reimburses the costs of burial or cremation in Malaysia |
2,500 / individual 7,500 / family |
5,000 / individual 15,000 / family |
7,500 / individual 22,500 / family |
B |
Medical Evacuation2 Covers the costs for emergency transportation and medical care to move the person covered (in a critical medical condition) to the nearest hospital |
Unlimited | Unlimited | Unlimited |
C |
Medically Supervised Repatriation2 Covers the costs for transporting the person covered back to Malaysia to continue treatment following the stabilisation of his medical condition |
Unlimited | Unlimited | Unlimited |
D |
Repatriation of Mortal Remains2 Covers the costs for transporting the mortal remains back to Malaysia or the costs of burial or cremation in the locality where death occurs |
Unlimited | Unlimited | Unlimited |
Section | Benefits | Sum Covered (RM) | ||
Bronze | Silver | Gold | ||
(5) | Travel Inconvenience and Other Travel Related Benefits | |||
A |
Damage or Loss of Baggage & Personal Effects Reimburses for damage or loss of baggage including articles worn or carried (up to RM500 for any one article or pair or set of articles) |
2,500 / individual 7,500 / family |
5,000 / individual 15,000 / family |
7,500 / individual 22,500 / family |
B |
Loss of Travel Documents Reimburses for additional travel and accommodation expenses incurred including the cost of obtaining the replacement documents such as passports, travel tickets and visa |
2,500 / individual 7,500 / family |
5,000 / individual 15,000 / family |
7,500 / individual 22,500 / family |
C |
Loss of Personal Money Reimburses for loss of currency note or traveller’s cheque due to theft |
500 / individual 1,500 / family |
1,000 / individual 3,000 / family |
1,500 / individual 4,500 / family |
D |
Baggage Delay Reimburses for each full 6 consecutive hours (RM200 for every 6 hours) of delay on the checked-in baggage |
400 / individual 1,200 / family |
800 / individual 2,400 / family |
1,200 / individual 3,600 / family |
E |
Travel Delay Reimburses for each full 6 consecutive hours (RM200 for every 6 hours) of delay at arrival or departure |
1,000 / individual 3,000 / family |
2,000 / individual 6,000 / family |
3,000 / individual 9,000 / family |
F |
Travel Cancellation Reimburses for irrecoverable travel and accommodation expenses paid in advance if the trip is cancelled prior to departure from Malaysia due to the covered reasons |
5,000 / individual 15,000 / family |
15,000 / individual 45,000 / family |
25,000 / individual 75,000 / family |
G |
Travel Curtailment Reimburses for the unused and irrecoverable travel and accommodation expenses paid in advance in the event of trip curtailment and the person covered returns to Malaysia directly due to the covered reasons |
5,000 / individual 15,000 / family |
15,000 / individual 45,000 / family |
25,000 / individual 75,000 / family |
H |
Travel Misconnection Pays due to a common carrier (by air only) misconnection and no alternative transportation is made available to the person covered within the 6 consecutive hours |
N/A |
100 / individual 300 / family |
200 / individual 600 / family |
I |
Missed Departure Reimburses for additional travel and accommodation expenses incurred in returning to Malaysia, as a result of mechanical breakdown of the common carrier, to get the person covered to the departure port |
N/A |
1,000 / individual 3,000 / family |
2,000 / individual 6,000 / family |
J |
Travel Overbooked Provided there is no alternative transportation made available, a sum of RM200 for each delay of 6 consecutive hours due to overbooking of common carrier (by air only) will be paid. |
N/A |
2,000 / individual 6,000 / family |
3,000 / individual 9,000 / family |
K |
Loss of Travel Deposit due to Insolvency of Travel Agent Reimburses for irrecoverable travel and accommodation expenses paid in advance if the trip is cancelled prior to departure from Malaysia as a result of the insolvency of the travel agent |
N/A |
3,000 / individual 9,000 / family |
5,000 / individual 15,000 / family |
Section | Benefits | Sum Covered (RM) | ||
Bronze | Silver | Gold | ||
(6) | Others | |||
A |
Golf Equipment Cover Reimburses for loss or damage to the golf equipment owned by the person covered in a public place (up to RM500 for any one article or pair or set of articles) |
N/A | 2,000 / event | 5,000 / event |
B |
Loss of Credit Card Reimburses for fraudulent usage credit card due to theft |
N/A |
2,000 / individual 6,000 / family |
5,000 / individual 15,000 / family |
C |
Rental Car Excess Cover Reimburses for any excess/deductible which the person covered becomes legally liable in respect of loss or damage to the rental car |
N/A | 500 / event | 1,000 / event |
D |
Home Protection Reimburses for home contents as a result of burglary or fire when the person covered`s home is left vacant while travelling |
1,000 / event | 3,000 / event | 5,000 / event |
E |
Personal Liability Indemnifies the person covered for legal liability towards third parties or damage to their property |
250,000 / individual 750,000 / family |
500,000 / individual 1,500,000 / family |
1,000,000 / individual 3,000,000 / family |
F |
Travel Assistance Services3
|
Included | Included | Included |
Note: This plan does not cover trip cancellations and all benefits related to COVID-19. Please refer to the full list of exclusion, terms and conditions as stated in the certificate wording.
1 Subject to Overseas Medical Expenses Limit in (B1)
2 Administered by third party service provider
3 Purely on referral arrangement; actual cost to be borne by member
2 Administered by third party service provider
3 Purely on referral arrangement; actual cost to be borne by member