Saturday, January 28, 2012

Allianz Travel Care

There are so many preparations when planning a holiday abroad, but many of us miss an essential part of the planning – travel insurance.
Many travellers assume that they will be covered by their standard medical plan when traveling. The truth is, while traditional plans may offer adequate domestic coverage, they may not be designed for international travel.
 
Allianz Travel Care  is your perfect travel mate that provides you and your family coverage internationally; 24 hours a day, 7 days a week, 52 weeks a year! 
 
So the next time you plan a holiday, you worry about your preparations, while Allianz General Insurance Malaysia Berhad takes care of your travel insurance needs!
 
Features of Benefits
  • Accidental Death & Permanent Disablement
  • Allianz Travel Care insurance includes benefits for Accidental Death and Permanent Disablement occurring during the Period of Coverage.
  • Medical Expenses & Other Expenses
  • We will reimburse the actual necessary and reasonable medical, surgical or hospital charges and emergency dental treatment charges incurred as a result of bodily injuries, illness or death during the journey including repatriation costs, outside your home country for Overseas/Annual Cover. Domestic cover shall be limited to reasonable medical, surgical or hospital and emergency dental treatment incurred as a result of accidental bodily injuries within Malaysia.
  • Emergency Medical Evacuation & Repatriation
  • Allianz Travel Care insurance includes coverage for Emergency Medical Evacuation to the nearest qualified medical facility, expenses for reasonable travel and accommodation resulting from the evacuation and the cost of returning to either the home country or the country where the evacuation occurred up to the Policy Limit.
  • Follow up Treatment
  • Hospital Income
  • Payable if you are admitted to a registered hospital abroad due to accidental bodily injury or illness sustained during the journey for Overseas/Annual Cover. Domestic cover will pay you if you are admitted to a registered hospital in Malaysia due to accidental bodily injury sustained during the journey.
  • Funeral Expenses
  • Compassionate Care
  • Child Care Benefit
  • Despatch of Medicine
  • Despatch of the necessary medication not available locally in case of emergency and when local laws, rules and regulations allows such despatch.
  • Deposit or Trip Cancellation
  • We will reimburse for loss of irrecoverable expenses paid in your home country if your planned trip is cancelled due to hospitalisation for serious illness or bodily injury, death or other fortuitous caused beyond your control to you and/ or your immediate family.
  • Curtailment
  • If you need to curtail the trip due to hospitalisation for bodily injury or illness or death of your immediate family member or traveling companion, you will be compensated for any irrecoverable prepaid charges.
  • Personal Luggage or Personal Effects
  • We cover the cost of repair to your damaged luggage and/or personal effects or loss thereof during the journey.
  • Loss Of Travel Documents
  • In the event of theft or accidental destruction of your passport and/ or travel documents, we will reimburse necessary replacement costs, additional accommodation and traveling expenses incurred during your journey.
  • Notebook Computer
  • Luggage Delay
  • If your luggage is delayed for at least 6 hours from the time of arrival at scheduled destination outside your home country during the journey, we will reimburse you for purchase of essential items such as toiletries and clothing.
  • Travel Delay
  • In the event the scheduled sea- going vessel, aircraft or train in which you are booked to travel is delayed for at least 6 hours, we will compensate whichever is stated in the Schedule of Benefits.
  • Misses Departure
  • If as a result of failure of public transport services to get you to the departure port, airport or train station (as stated your ticket), we will reimburse the necessary and reasonable accommodation and travel costs incurred in reaching your original destination or returning home.
  • Missed Travel Connection
  • Compensation if your confirmed onward connecting scheduled aircraft, train or sea vessel is missed at any single transfer point due to the late arrival of the incoming scheduled aircraft, train or sea vessel and no alternative onward transportation is made available to you for at least 8 hours from the actual arrival time.
  • Travel Overbooked
  • Compensation if your confirmed onward connecting scheduled aircraft, train or sea vessel is overbooked by the scheduled carrier company as a result a delay in departure of the onward scheduled aircraft, train or sea vessel and no alternative onward transportation is made available to you for at least 8 hours from the actual departure time.
  • Additional Costs of Rental Car Return
  • For the additional costs of car rental for which you are liable under the car rental agreement if you are unable to return a hire car or campervan from a licensed rental agency to the nearest hire depot due to your injury or serious illness which requires hospitalisation.
  • Personal Liability
  • We will pay for your legal liability to third parties for injury and/ or loss of or damage to property.
  • Hijacking
  • Compensation for delay or interruption to the journey in excess of 12 hours resulting in your being prevented from reaching the scheduled destination, of any public conveyance on which you are a passenger as a result of an act of hijack.
  • Personal Money
  • We will pay for you accidental loss of cash and travelers’ cheques during the journey.
  • Home Care Benefit
  • In respect of damages to your home contents as a result of fire when your house is left vacant while you are traveling.
  • Terrorism
  • Allianz Travel Care insurance provides coverage for bodily injury, death and permanent disablement incurred as a result of an act of Terrorism and the insured person has no direct or indirect participation in the act. However, claims incurred as a result of nuclear, chemical or biological weapons or events are not covered. Terrorism is defined as the systematic or planned use of violence, fear or threat of violence in order to intimidate a population or government, especially as a means of coercion or to obtain a granting of any demand.
24 Hours Worldwide Travel Emergency Assistance Helpline
Schedule of Benefits


Benefits
Overseas (Outbound)
Domestic (Inbound)
Individual
 
Family
 
RM
 
Individual
 
RM
 
Family
 
RM
Insured Person and Spouse
Individual
Annual
RM
Section 1
1
Accidental Death (Principal Sum)**
Per Adult
Per Child

 
200,000
Not covered
 
200,000
25,000
 
150,000
Not covered
 
150,000
15,000
2
Permanent Disablement**
Per Adult
Per Child

 
200,000
Not covered
 
200,000
200,000
 
150,000
Not covered
 
150,000
150,000
Section 2
1
Medical Expenses (including dental repair due to accident) (up to)
300,000
900,000
15,000***
45,000***
2
Other Medical Expenses (including Emergency Medical Evacuation & Repatriation) (up to)
1,000,000
1,000,000
1,000,000***
1,000,000***
3
Follow up Treatment (up to)
30,000
100,000
5,000***
15,000***
4
Hospital Income (up to)
300 per day
up to 9,000
900 per day
up to 20,000
80 per day
up to 2,400***
240 per day up to 7,000***
5
Funeral Expenses (up to)
8,000
16,000
4,000
8,000
6
Compassionate Care (up to)*
5,000
15,000
1,000***
3,000***
7
Child Care Benefit (up to)*
5,000
15,000
Not Covered
Not Covered
8
Despatch of Medication (up to)
3,000
3,000
1,000
1,000
Section 3
1
Deposit or Trip Cancellation (up to)*
20,000
50,000
Not covered
Section 4
1
Curtailment (up to)*
20,000
50,000
Section 5
1
Luggage or Personal Effect (up to)
5,000
15,000
2
Notebook Computer (up to)
1,000
1,000
Section 6
1
Travel Documents (up to)*
5,000
15,000
Section 7
1
Luggage Delay (up to)
800 (Min 6 hours)
2,000 (Min 6 hours)
Section 8
1
Travel Delay
300 per 6 hours
up to 2,000
300 per 6 hours
up to 6,000
100 per 6 hours
up to 1,000
200 per 6 hours
up to 2,000
Section 9
1
Missed Departure (up to)*
1,000
3,000
Not covered
Section 10
1
Missed Travel Connection
250 (Min 8 hours)
1,000 (Min 8 hours)
Section 11
1
Travel Overbooked
250 (Min 8 hours)
1,000 (Min 8 hours)
Section 12
1
Additional Costs of Rental Car Return (up to)
1,000
1,000
Section 13
1
Personal Liability (up to)
1,000,000
1,000,000
Section 14
1
Hijacking
300 per day up to 20 days (Min 12 hours)
600 per day up to 20 days (Min 12 hours)
Section 15
1
Personal Money (up to)
800
2,000
Section 16
1
Home Care Benefit
1,000
1,000
Terrorism
Covered

*    Excess RM50 per person for Individual Plan/Insured Person and Spouse Plan/Individual Annual Plan 
*    Excess RM100 per family for Family Plan
**   Same pay out to 1 legal spouse for Family Plan
*** Accident Only


Premium Rates


Overseas (Outbound)
Individual
RM
Insured Person and Spouse
RM
Family
RM
ASIA
1 – 5 days
30
55
70
6 – 10 days
45
85
110
11 – 15 days
65
125
160
16 – 22 days
80
155
230
23 – 31 days
120
235
300
Each additional week or part
20
40
50
Annual
300
Not available
WORLDWIDE
1 – 5 days
40
75
100
6 – 10 days
60
115
145
11 – 15 days
90
180
225
16 – 22 days
115
225
290
23 – 31 days
170
335
420
Each additional week or part
35
55
80
Annual
320
Not available



DOMESTIC (INBOUND)
Individual
Family
1 – 5 days
15
35
6 – 10 days
25
55
11 – 15 days
35
85
16 – 22 days
45
115
23 – 31 days
65
155
Each additional week or part
10
25

Please add RM10.00 for stamp duty.


Geographical Areas

  • Asia is defined as Singapore, Thailand, Indonesia, Philippines, Brunei, Taiwan, Korea, China including Hong Kong and Macau, Laos, Vietnam, Myanmar, Cambodia, India, Sri Lanka, Bangladesh, Nepal, Australia, New Zealand and Japan.
  • Worldwide includes United States of America and Canada.
  • Domestic is defined as Malaysia.


General Notes
  1. The proposer aged from 18 years to 70 years.  The proposer’s legal spouse*, unless legally separated from the proposer, who is not more than 70 years of age. The proposer’s unmarried children who are between 30 days to 21 years and who are primarily dependent upon the proposer for support and maintenance. The family plan shall include the proposer and the legal spouse and all the accompanying children.
  2. Flight Delay cover shall not be granted if you travel in a chartered flight.
  3. Each trip must begin and end in Malaysia except One Way Cover.
* If more than one spouse, only one will be covered.
 
General Exclusions Applicable For All Sections
  • Delay, confiscation, detention, requisition, damage, destruction or any prohibitive regulations by Customs or other government Officials or Authorities of any country
  • Hazardous Adventure
  • HIV (Human Immunodeficiency Virus) and/or any HIV-related illness including AIDS (Acquired Immune Deficiency Syndrome) however caused and/or any mutant derivations, variations or treatment thereof however caused
  • Ionising radiation or contamination by radioactivity from any nuclear waste from combustion of nuclear fuel.
  • Pre-existing medical conditions
  • Pregnancy, childbirth, abortion or miscarriage
  • Riot or civil commotion, lockout or threat of such event
  • The radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof
  • War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power, martial law or state of siege or any of the events or causes  which determine the proclamation or maintenance of martial law or state of siege

Excluded Occupations
  1. Flight crew (except as a passenger)

Extension Of Period Of Insurance

 
The Period of Insurance will be automatically extended without any additional premium for the additional days that are reasonably necessary for up to:
(a) 14 days if any vehicle, sea going vessel or aircraft in which the Insured Person is traveling as a ticket holding passenger is delayed;
(b) 30 days if the intended return journey is prevented due to bodily injury or illness to the Insured Person arising from a cause covered under this Policy.

Cash Before Cover

(a) It is a fundamental and absolute special condition of the contract of insurance that the premium due must be paid and received by the Company before cover commences. If this condition is not complied with, then the insurance is automatically null and void.
(b) The authorised agent shall remit the premium within seven (7) working days upon receipt of such premium from Insured Person. The Company reserves the right to refuse any coverage and/or reject Insured Person’s and /or Family Member’s claim resulting from non-payment of premium to the Company.

1 comment:

  1. Thanks for bringing the productive post! Travel care detail is very much necessary for travelers. I have notice your all benefit features of travel insurance. Good & easy stuff used... Keep it up...
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