Schedule of Benefits (Overseas)
Section Schedule of Benefits / Plan Limit per Sum Covered (RM)
Bronze Silver Gold
1 Personal Accident Benefits
A Accidental Death or Permanent Disablement
Pays if the Person Covered suffers death or permanent disablement due to an accident
  • Up to 70 years
  • 71 - 80 years
  • Per Child
  • Per Family1
Individual
Individual
Individual
Family
100,000
50,000
25,000
300,000
300,000
150,000
75,000
900,000
500,000
250,000
100,000
1,500,000
B Child Education Fund
Pays additional cash payout if the Person Covered has surviving children upon his death due to an accident 		Event Nil 5,000 10,000
2 Medical and Other Related Benefits
A Medical Expenses
Reimburses expenses (including cost of emergency dental treatment) incurred due to an accident or illness
  • Up to 70 years
  • 71 – 80 years
  • Per Family1
Individual
Individual
Family
100,000
50,000
300,000
300,000
150,000
900,000
500,000
250,000
1,500,000
B Follow-up Treatment in Malaysia2
Reimburses for follow-up treatment within 90 days upon return to Malaysia
  • Up to 70 years
  • 71 – 80 years
  • Per Family1
Individual
Individual
Family
10,000
5,000
30,000
20,000
10,000
60,000
30,000
15,000
90,000
C Compassionate Visitation Benefit2
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
Individual
Family
5,000
15,000
7,500
22,500
10,000
30,000
D Child Guard Benefit2
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
Event
5,000
7,500
10,000
E Alternative Medical Treatment2
Reimburses expenses incurred for medical treatment by registered traditional medicine practitioner
Individual
Family
 Nil
500
1,500
1,000
3,000
F Hospital Allowance2
Pays for each complete day the Person Covered is confined to a hospital on top of the medical costs incurred
Day
Individual
Family
150
3,000
9,000
250
5,000
15,000
350
10,500
31,500
3 Emergency Medical Evacuation & Repatriation Benefits3
A Funeral Expenses in Malaysia
Reimburses the costs of burial or cremation in Malaysia
Individual
Family
2,500
7,500
5,000
15,000
7,500
22,500
B Medical Evacuation
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 Unlimited
C Medically Supervised Repatriation
Covers the costs for transporting the Person Covered back to Malaysia to continue treatment following the stabilisation of his medical condition
D Repatriation of Mortal Remains
Covers the costs for transporting the mortal remains back to Malaysia or the costs of burial or cremation in the locality where death occurs
4 Travel Inconvenience & Other Related Benefits
A Damage or Loss of Baggage and 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)
Individual
Family
2,500
7,500
5,000
15,000
7,500
22,500
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.
Individual
Family
2,500
7,500
5,000
15,000
7,500
22,500
C Loss of Personal Money
Reimburses for loss of currency note or traveller’s cheque due to theft
Individual
Family
500
1,500
1,000
3,000
1,500
4,500
D Baggage Delay
Reimburses for each full 6 consecutive hours (RM200 for every 6 hours) of delay on the checked-in baggage
Individual
Family
400
1,200
800
2,400
1,200
3,600
E Travel Delay
Reimburses for each full 6 consecutive hours (RM200 for every 6 hours) of delay at arrival or departure
Individual
Family
1,000
3,000
2,000
6,000
3,000
9,000
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
Individual
Family
5,000
15,000
15,000
45,000
25,000
75,000
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
Individual
Family
5,000
15,000
15,000
45,000
25,000
75,000
H Travel Misconnection
Pays due to a common carrier (by flight only) misconnection and no alternative transportation is made available to the Person Covered within the 6 consecutive hours
Individual
Family
400
1,200
500
1,500
600
2,400
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
Individual
Family
 Nil
1,000
3,000
2,000
6,000
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 flight only) will be paid.
Individual
Family
 Nil
2,000
6,000
3,000
9,000
K Loss of Deposit/Full Payment due to Insolvency of Travel Agency or Airlines
Reimburses for irrecoverable air tickets paid in advance if the trip is cancelled prior to departure from Malaysia as a result of the insolvency of the Travel Agent or Airlines.
Individual
Family
 Nil
3,000
9,000
5,000
15,000
L 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) 		Event Nil 2,000 5,000
M Loss of Credit Card
Reimburses for fraudulent usage of credit card due to theft
Individual
Family
 Nil
2,000
6,000
5,000
15,000
N 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 		Event Nil 500 1,000
O Home Protection
Reimburses for home contents as a result of burglary or fire when the Person Covered`s home is left vacant while travelling 		Event 1,000 3,000 5,000
P Personal Liability
Indemnifies the Person Covered for legal liability towards third parties or damage to their property
Individual
Family
250,000
750,000
500,000
1,500,000
1,000,000
3,000,000
Q Travel Assistance Services4
  • Inoculation/ Vaccination and Visa Information
  • Foreign Exchange, Weather and Flight Information
  • Emergency Travel Assistance
  • Lost Items/ Personal Belongings
  • Embassy Referral
  • Referral to Interpreter/ Translator
 Event Included Included Included
5 COVID-19 Coverage (optional)5
A Travel Cancellation due to COVID-19
Reimburses for irrecoverable travel and accommodation expenses paid in advance if the trip is cancelled due to any of the following unexpected events which occur within seven (7) days prior to the departure date of the trip:
a. the Person Covered’s death or death of the Person Covered’s Immediate Family Member due to COVID-19. A death certificate must be provided to Us;
b. confinement of the Person Covered or his Immediate Family Member in a Hospital due to COVID-19. A written advice from the attending Medical Practitioner treating the Person Covered or his Immediate Family Member confirming the advisability to cancel the Trip due to COVID-19 must be provided to Us;
c. cancellation of scheduled Common Carrier due to COVID-19;
d. an outbreak of COVID-19 at the planned destination and the declaration was not issued before the Person Covered’s Trip which prevents the Person Covered from commencing the Trip; or
e. airspace or airport closure at the planned destination due to COVID-19.

The coverage for events (a) and (b) above is effective only if Your Certificate is taken up at a minimum of seven (7) days prior to the departure date of the scheduled Trip and before the diagnosis of COVID-19 of the Person Covered or his Immediate Family Member.
Individual
Family
5,000
15,000
5,000
15,000
5,000
15,000
B Travel Disruption due to COVID-19
Reimburses for the following expenses:
1. unused and irrecoverable travelling and accommodation expenses which are paid in advance for the Person Covered’s Trip;
2. necessary and reasonably incurred additional and unplanned accommodation and meal expenses for the Person Covered; and/or
3. costs of return ticket for the Person Covered to return to Malaysia, if the Person Covered is unable to continue his Trip in the event of necessary and unavoidable cancellation due to any of the following unexpected events:

a. the Person Covered or the Person Covered’s Immediate Family Member who is travelling with the Person Covered in the same Trip is diagnosed positive with COVID-19 after the commencement of the Trip and certified unfit to continue with the Trip in the opinion of the Medical Practitioner;
b. the Person Covered’s death or death of the Person Covered’s Immediate Family Member due to COVID-19 after the commencement of the Trip;
c. cancellation of the Common Carrier due to COVID-19;
d. an outbreak of COVID-19 at the planned destination and the declaration was not issued before the Person Covered’s Trip which prevents the Person Covered from continuing with the Trip and the Person Covered has to unavoidably incur additional accommodation costs to extend the Person Covered’s stay; or
e. airspace or airport closure at the planned destination due to COVID-19.

Coverage is provided if the Person Covered is diagnosed positive with COVID-19 after the commencement of the Trip and the benefit will be payable up to fourteen (14) days from the Expiry Date or up to maximum amount specified in the Schedule of Benefits, whichever occur first.
Individual
Family
5,000
15,000
5,000
15,000
5,000
15,000
C Overseas Medical Expenses due to COVID-19
In the event the person covered is hospitalized abroad as a direct result of COVID-19 including COVID-19 related complications contracted during the trip, we will reimburse the medical, hospital and treatment expenses necessarily and reasonably incurred up to the Sum Covered. Any follow up medical expenses incurred in Malaysia after returning from trip are not covered under this benefit.
  • Up to 70 years
  • 71 – 80 years
  • Per Family1
Individual
Individual
Family
200,000
100,000
600,000
200,000
100,000
600,000
200,000
100,000
600,000
D Medical Evacuation and Repatriation due to COVID-19
In the event the Person Covered is diagnosed with COVID-19 during the trip and requires medical evacuation, we will cover the costs for emergency transportation and medical care to move the person covered (in a critical medical condition) to the nearest hospital up to the benefit limit.
Individual
Family
100,000
300,000
100,000
300,000
100,000
300,000
E Repatriation of Mortal Remains due to COVID-19
If the death of a Person Covered occurs as a direct result of COVID- 19 sustained during the trip, we will cover the costs for transporting the mortal remains back to Malaysia or the costs of burial or cremation in the locality where death occurs.
Individual
Family
100,000
300,000
100,000
300,000
100,000
300,000
Notes:
1. The Sum Covered for Person Covered whose age is between 71 – 80 years old is fifty percent (50%) from the Sum Covered of those age ≤ 70 years old.
2. The total amount payable under Section 2 are subject to the maximum Sum Covered under Section 2A.
3. Please call Our 24-hours emergency number at +603-7628 3905 for emergency medical assistance.
4. All services provided are purely on a referral arrangement and coordination basis. Any costs and expenses shall be solely the Person Covered’s responsibility.
5. This benefit does not cover any person who is not fully vaccinated as required by the government, except for child below eighteen (18) years old.
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