There are so many preparations when planning a holiday abroad, but many of us miss an essential part of the planning – travel insurance.
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.
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
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General Notes
- 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.
- Flight Delay cover shall not be granted if you travel in a chartered flight.
- Each trip must begin and end in Malaysia except One Way Cover.
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
- 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.
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