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
  1.   Up to age 70 years
  2.  Above age 70 years
  3. Family Limit
  1.   100,000 / individual
  2.  50,000 / individual
  3. 300,000 / family
  1.   200,000 / individual
  2.  100,000 / individual
  3. 600,000 / family
  1.   300,000 / individual
  2.  150,000 / individual
  3. 900,000 / family
B Follow-up Treatment in Malaysia1
Reimburses for follow-up treatment within 90 days upon return to Malaysia
  1.   Up to age 70 years
  2.  Above age 70 years
  3. Family Limit
  1.   10,000 / individual
  2.  5,000 / individual
  3. 30,000 / family
  1.   20,000 / individual
  2.  10,000 / individual
  3. 60,000 / family
  1.   30,000 / individual
  2.  15,000 / individual
  3. 90,000 / family
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
  • Ambassador Services
  • Emergency Interpreter Referrals
  • Flight Information
  • Global Weather and Foreign Exchange Information
  • Legal Firm Referrals
  • Loss of Luggage and Passport Assistance
  • Medical Contact Assistance
  • Visa, Passport and Inoculation Requirements
Included Included Included

Note: 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