Marketed & Provided By ACPG Travel Insurance Division.
Everybody loves travelling. You get to discover new
places, countries, cultures and people. It’s a new experience and
definitely more fun and satisfying when you bring along your family and
friends.
We plan our holiday’s months in advance, buying the
necessary clothes, booking the hotels, tickets and the places we want to
go. However did you plan for emergencies?
While holidays are
fun there are always the possibilities of unexpected incidents. You’re
in an unfamiliar place and when something unexpected happens you would
be lost on where to go or how to solve it. The question of cost also
arises as you had not planned for anything extra.
That’s why you
need to have travel insurance. You’ll have a worry free holiday as you
know that if something happens, Travel Insurance Package underwritten by Malaysia Insurance company and arranged by ACPG will be there to
take care of you and your family, 24 hours a day, 7 days a week, 52
weeks a year.
ACPG AXA Smart Traveller Annual Plan (STAP)
SmartTraveller Annual is
designed the way travellers want a travel insurance to be for business
and leisure trips - with immediate activation, comprehensive coverage
and 24 hour emergency assistance wherever you are in the world.
AXA Travel Assistance Hotline
603-2142 0399
- 24-Hour Hotline
- Medical Referral
- Emergency Medical Evacuation
- Repatriation
- Letter of Guarantee for Hospital Admission
- Claims Handling
- Calls will be on reverse charge.
Table of benefit
|
SUMMARY OF BENEFIT |
SUM INSURED /
LIMIT OF LIABILITY (RM) |
| INDIVIDUAL PLAN |
FAMILY PLAN |
| PLATINUM PLAN |
GOLD PLAN |
| 1. PERSONAL ACCIDENT |
|
Accidental death
Permanent total disablement
Loss of one limb or loss of sight of one or both eyes
|
Adult
Child
Maximum payable per Family
|
500,000
500,000
500,000
250,000
N/A |
250,000
250,000
250,000
125,000
N/A |
500,000
75,000
500,000
250,000
1,500,000 |
| 2. CHILD EDUCATION FUND |
| Pays as a result of Accidental Death of Insured who has any Children for their education fund |
Maximum payable per Family |
20,000 |
10,000 |
20,000 |
| 3. MEDICAL & OTHER NECESSARY EXPENSES |
(A) Medical Expenses
Reimburses expenses (including cost of emergency dental treatment) incurred during accident or sickness |
Adult/Child
Maximum payable per Family |
300,000
N/A |
200,000
N/A |
300,000
900,000 |
|
(B) Alternative Medicine Treatment
Reimburses medical expenses for medical treatment by
registered traditional medicine practitioner, osteopath, physiotherapist
and/or chiropractor |
Adult/Child
Maximum payable per Family |
1,000
N/A |
500
N/A |
1,000
3,000 |
| Subject to Section 3A – Medical Expenses limit |
|
(C) Compassionate Visitation Benefit
- Due to Hospitalization of the Insured
Pays for additional expenses of one relative or
friend required on medical advice to travel or
remain behind with the Insured
- Due to Death of the Insured
In the event of the Insured’s death whilst on the trip,
reimburses for travel and accommodation expenses for one relative or
friend to assist in the burial or cremation arrangements in the locality
where death occurs |
Adult/Child
Maximum payable per Family |
8,000
N/A |
5,000
N/A |
8,000
24,000 |
| Subject to Section 3A – Medical Expenses limit |
(D) Child Care Benefit
Pays for additional expenses of one relative or
friend
to take care of the Insured’s children whilst the Insured is
hospitalized and the cost of a return trip economy class ticket |
Per Day
Per Event |
500
8,000 |
500
5,000 |
500
8,000 |
| Subject to Section 3A – Medical Expenses limit |
|
(E) Follow-Up Medical Treatment in Malaysia
Reimburses for follow-up treatment within 90 days upon return to Malaysia |
Adult/Child
Maximum payable per Family |
30,000
N/A |
20,000
N/A |
30,000
90,000 |
| Subject to Section 3A – Medical Expenses limit |
| 4. HOSPITAL ALLOWANCE |
| Pays for each complete day the insured is confined in a hospital on top of medical costs incurred (RM350 per day) |
Adult/Child
Maximum payable
per Family |
21,000
N/A |
10,500
N/A |
21,000
63,000 |
| 5. QUARANTINED COVER AS A RESULT OF PANDEMIC INFLUENZA |
| Pays for each full day the Insured is quarantined (RM200 per day) |
Adult/Child
Maximum payable
per Family |
3,000
N/A |
2,000
N/A |
3,000
9,000 |
| 6. EMERGENCY MEDICAL EVACUATION & REPATRIATION |
(A) Emergency Medical Evacuation
Emergency transportation and medical care en route to move the Insured (in a medical critical condition) to the nearest hospital |
Per Event |
Unlimited |
Unlimited |
Unlimited |
B) Emergency Medical Repatriation
In an
event that the Insured is hospitalized abroad and it is medically
necessary for the Insured to be repatriated back to Malaysia to continue
treatment, we will pay in respect of reasonable and necessary
repatriation costs including the reasonable transportation costs of one
qualified medical attendant accompanying the Insured. |
Per Event |
Unlimited |
Unlimited |
Unlimited |
(C) Repatriation of Mortal Remains
Pays
for the cost of burial or cremation in the locality where death occurs
or the expenses of transporting the mortal remains back to Malaysia |
Per Event |
Unlimited |
Unlimited |
Unlimited |
| TRAVEL INCONVENIENCES |
| 7. BAGGAGE AND PERSONAL EFFECTS |
| Reimburses for loss of or damage to the Insured’s baggage,
including articles worn or carried (up to RM500 for any one article or
pair or set of articles) |
Adult/Child
Maximum payable
per Family |
7,500
N/A |
5,000
N/A |
7,500
22,500 |
| 8. PERSONAL MONEY & DOCUMENTS |
| Reimburses for travel and accommodation expenses including cost
of obtaining replacement passports, travel tickets and other relevant
travel documents. Loss of money due to theft is covered up to RM800 |
Adult/Child
Maximum payable
per Family |
7,500
N/A |
5,000
N/A |
7,500
22,500 |
| 9. BAGGAGE DELAY |
| Pays if the Insured checked-in baggage is delayed for each full 6
consecutive hours (RM200 for every 6 hours) upon arrival at the
Insured’s destination abroad |
Adult/Child
Maximum payable
per Family |
1,600
N/A |
800
N/A |
800
2,400 |
| 10. TRAVEL DELAY |
|
Pays if the conveyance is delayed from the
scheduled departure time for each full 6
consecutive hours delay (RM200 for first 6 hours delay and RM300 for every 6 consecutive hours thereafter)
Cancellation due to the delay
Reimburses for irrecoverable deposits/charges paid for the cancelled parts of the trip |
Adult/Child
Maximum payable
per Family
Adult/Child
Maximum payable per Family |
3,200
N/A
500
N/A |
2,000
N/A
500
N/A |
3,800
11,400
500
1,500 |
| 11. LOSS OF DEPOSIT OR CANCELLATION |
Reimburses for irrecoverable travel and
accommodation expenses paid in advance |
Adult/Child
Maximum payable
per Family |
20,000
N/A |
20,000
N/A |
20,000
60,000 |
| 12. TRAVEL CURTAILMENT |
| Reimburses for proportional return of irrecoverable prepaid
costs incurred, if it is necessary & unavoidable to curtail the
Insured’s trip |
Adult/Child
Maximum payable
per Family |
20,000
N/A |
20,000
N/A |
20,000
60,000 |
| 13. TRAVEL OVERBOOKED |
| Pays due to overbooked common carrier (by air only) and no
alternative transportation is made available to the Insured within 6
hours of the scheduled departure time. |
Adult/Child
Maximum payable
per Family |
400
N/A |
200
N/A |
400
1,200 |
| 14. TRAVEL MISCONNECTION |
Pays due to common carrier (by air only)
misconnection and no alternative transportation is made available to the Insured within 4 hours |
Adult/Child
Maximum payable
per Family |
500
N/A |
300
N/A |
500
1,500 |
| 15. HIJACKING INCONVENIENCE |
| Pays for each full 24 consecutive hours of hijack (RM1,000/ 24 hours) |
Adult/Child
Maximum payable
per Family |
10,000
N/A |
10,000
N/A |
10,000
30,000 |
| 16. MISSED DEPARTURE |
| Reimburses for additional accommodation and travel expenses
necessarily and reasonably incurred in returning to Malaysia, as a
result of mechanical breakdown of public transport services, to get the
Insured to the departure port, airport or train station, as stated in
the Insured’s ticket |
Adult/Child
Maximum payable
per Family |
2,000
N/A |
1,000
N/A |
2,000
6,000 |
| 17. TRAVEL RE-ROUTE |
| Pays if the arrival of the scheduled public conveyance is delayed for at least 6 hours due to re-routing |
Adult/Child
Maximum payable
per Family |
500
N/A |
250
N/A |
500
1,500 |
| 18. LOSS OF DEPOSIT OR FULL PAYMENT DUE TO INSOLVENCY OF AIRLINES |
| In the event that before or on the departure date of the
Insured’s booked trip, the Airline from where the Insured purchased
his/her air tickets has absconded or is declared insolvent, we will
reimburse the Insured for the loss of irrecoverable full payment paid
for the air tickets |
Adult/Child
Maximum payable
per Family |
20,000
N/A |
10,000
N/A |
10,000
30,000 |
| 19. LOSS OF CREDIT CARD |
| Pays for fraudulent usage of the Insured’s credit card |
Adult/Child
Maximum payable
per Family |
10,000
N/A |
5,000
N/A |
10,000
30,000 |
| 20. PERSONAL LIABILITY |
| Indemnifies the Insured for legal liability towards third
parties or damage to their property due to the Insured’s negligence |
Adult/Child
Maximum payable
per Family |
1 million
N/A |
1 million
N/A |
1 million
3 million |
| 21. HOME CARE BENEFIT |
| Pays for damages to the Insured’s home contents as a result of
burglary or fire when the Insured’s house is left vacant while he/she is
travelling |
Adult/Child
Maximum payable
per Family |
5,000
N/A |
5,000
N/A |
5,000
15,000 |
| 22. RENTAL CAR EXCESS COVER |
| Reimburses for any excess/deductible which the Insured become
legally liable to pay in respect of loss or damage to rental car during
the rental period |
Adult/Child
Maximum payable
per Family |
1,000
N/A |
1,000
N/A |
1,000
3,000 |
| 23. RANSOM PAYMENT AS A RESULT OF KIDNAPPING AND HOSTAGE |
Pays for the ransom payment as a result of
kidnapping and hostage outside Malaysia |
Adult/Child
Maximum payable
per Family |
200,000
N/A |
100,000
N/A |
100,000
300,000 |
| 24. REPLACEMENT TRAVELLER |
| Reimburses administrative costs incurred to replace a travel
companion due to the Insured’s hospitalization within 7 days before the
commencement of the trip |
Adult/Child
Maximum payable
per Family |
5,000
N/A |
3,000
N/A |
5,000
15,000 |
| 25. GOLF EQUIPMENT COVER |
| Maximum RM200 for any one article or pair or set of articles in
the event of loss or damage to the Golf Equipment owned by the Insured
in a public place |
Per Trip |
5,000 |
2,000 |
5,000 |
Table of premium
|
TYPES OF PLAN |
AREA 1 (RM) |
AREA 2 (RM) |
AREA 3 (RM) |
|
Individual Plan |
Platinum |
290 |
338 |
398 |
| Gold |
220 |
260 |
320 |
| Family Plan |
599 |
725 |
820 |
Travel from Malaysia to:
Area 1: Australia, Brunei, Cambodia, China (excluding Mongolia, Nepal & Tibet), Hong Kong, Macau, India, Indonesia, Japan, South Korea, Laos, New Zealand, Pakistan, Philippines, Singapore, Sri Lanka,Taiwan, Thailand, Vietnam and within Malaysia.
Area 2: Worldwide excluding USA, Canada, Iran, Syria, Belarus, Burma/Myanmar, Cuba, Democratic Republic of Congo, North Korea, Somalia, Sudan, Zimbabwe.
Area 3: Worldwide excluding Iran, Syria, Belarus, Burma/Myanmar, Cuba, Democratic Republic of Congo, North Korea, Somalia, Sudan, Zimbabwe.
Domestic travel (by flight only) within Peninsular Malaysia or East Malaysia is covered under
Section 1, 3, 4, 6, 9 to 17 and 20 to 22. Cover under Sections 3, 4 and 6 is only applicable in the event of an accident.
Terrorism, scuba diving and winter sports are covered.
- 24-hour AXA Travel Assistance Hotline - (603) 2142 0399
Medical and emergency assistance hotline is available for you to call on reserve charge anywhere in the world - we are just a phone call away!
If you would like to know more, please email to enquiry@acpgconsultant.com or contact ACPG careline +603-92863323.
This policy will be automatically renewed unless notice of non-renewal is given in writing by the Insured (or the Policyholder where applicable) to the Company before the Policy’s anniversary date. No renewal notice will be issued.
FAQ for AXA Smart Traveller Annual Plan arranged by ACPG.
- Who is eligible to apply?
All Malaysians, Permanents Residents, Employments Pass/Work Permit Holders and Dependents(s)
of Pass Holders, excluding overseas secondment & students studying overseas.
- What is the age limit?
You
must be between 18 and 69 years old (both ages inclusive) to be eligible
for enrolment. For family plan, a child must be between 30 days to 18
years old (both ages inclusive) or up to 23 years old, if he/she is
studying full-time in a recognised institution of higher learning.
- Who is eligible to be covered under the family plan? The family plan includes you, your spouse and all your accompanying children between 30 days to 18 years old (both ages inclusive) or up to 23 years old, if he/she is studying full-time in a recognised institution of higher learning.
- Is there a maximum period of cover?
The maximum period of cover is 95 days per trip, unlimited number of trips within the period on insurance stated in the Certificate of Insurance.
- Who is AXA Affin General Insurance Berhad?
AXA Affin General Insurance Berhad is a member of the AXA Group, with over 1,104 billion euros in assets under management and more than 95 million customers around the world. AXA is one of the world’s leading insurer. In Malaysia, it is also a member of the Affin Group, a leader in Malaysia’s financial services sector.
Oversea Travel Insurance - Travel Medical Card with Cash Less Hospital Admission Assistance Program
OverseaTravel Insurance
- Worldwide Travel Medical Card with Cash Less Hospital Admission Assistance Program Coverage
Insurance Plan
Arranged by ACPG Management Sdn Bhd.
Annual Plan for Oversea
Travel Insurance with Medical Card with Cash Less Hospital Admission Program
as below
Premier Plan ( Annual Plan - 12 months period of
coverage)
Annual plan – 100 consecutive days for an overseas
trip.
Travelling to multiple destinations within the same trip, you
can be covered under one policy.
Oversea Travel Assist Medical Card is a
comprehensive worldwide travel medical card with cash less hospital admission
benefits insurance plan for overseas travel or business trip.
Major benefits provided are medical related benefits, personal
accidents benefits, travel inconvenience & other travel-related benefits and
24 hours worldwide travel with emergency hospital admission cash less system
assistance.
Sum Insured and Benefits Coverage (Coverage only
for Departs Malaysia)
A Medical Related
Benefits
01) Medical Expenses - RM
10,000,000.00 (RM10 million)
A) Compassionate visit - up to max RM 7,500.00
(Due to Hospitalization more than 5 days or Death of Insured)
B) Child Guard - up to max RM 7,500.00 (Covered
expenses incurred to accompany your child back to Malaysia If insured are
hospitalized and there is no one took after your child.
02) Daily Hospital Income - RM 250 per day and up to max RM 30,000.00 per
disability.
03) Emergency Medical Evacuation and
Repatriation of Mortal Remains - RM
Unlimited.
Sum insured or Benefits listed in the schedule of benefit is
payable based on per incident.
B Personal Accident
Benefits
04) Accident Death or
Permanent Disablement - RM 300,000.00.
C Travel Inconvenience and Others Travel
Related Benefits
05) Travel
Cancellation - RM 25,000.00
06) Travel
Curtailment - RM 25,000.00
07) Travel Delay
- Common Carrier - up to max RM 3,600.00 (RM 150 / every 6 consecutive hours of
delay)
08) Travel Delay
- Chartered Flight - up to max RM 1,200.00 (RM150 / every 10 consecutive hours
of delay)
09) Travel Re-route, Travel Overbooked, Travel
Misconnection, Missed Departure - RM 1,200.00 (RM 200 /
every 6 consecutive hours of delay)
10) Baggage Delay - RM
1,000.00 (RM 200 / every 6 consecutive hours of
delay)
11) Damage or loss of baggage and / or
personal effects due to theft or negligence of common carrier -
A) Baggage Damage - RM 250 per
baggage
B) Loss of Baggage and/ or Personal Effects - up
to max RM 7,500.00 (Max limit RM 500.00 per items, Laptop or golf equipment is
RM 1,000.00)
12) Loss of Travel Documents due to theft - up
to max RM 7,500.00.
13) Loss of Money due to Theft - up to max RM
1,000.00.
14) Personal Liability - up to max
RM 1,000,000.00.
15) Home Inconvenience Allowance due to theft -
RM 2,000.00
16) Compassionate visit - up to max RM 7,500.00
(Due to Hospitalization more than 5 days or Death of Insured)
Sum insured or Benefits listed in the schedule of benefit is
payable based on per incident.
D Trip Assistance Solution
(Included)
1) 24 hours Worldwide Travel Assistance.
2) Doctor or Physician On Call.
3) World Event Alert Services.
4) Global Weather.
5) Emergency Travel Services.
6) Emergency Language Interpreter
7) Ambassador Services
8) Global Cash
All above mention of coverage and benefits should refer
to policy wordings for full terms and conditions.
Coverage for overseas trip
begin
Annual plan - 24hours from the purchase of the policy or after
travel is booked whichever occurring later, unless due to accident in which
cover commences from the travel booking date
Cancellation reason must occur within 60 days (for
death/permanent total disablement or hospitalization) or 14 days (for other
covered reasons) prior to original scheduled departure.
Travel Overbooked/Missed Departure/Delay/Accidental Death
& Disablement
Within 12hours prior to departure from Malaysia
All
other benefits upon departure from Malaysia
Annual Premium and Coverage
Countries (Example)
Region 1
Asia Country including
Australia, New Zealand, Myanmar, Pakistan, Dubai except Bangladesh, Nepal,
Tibet, Mongolia (Inner & Outer), Middle East.
Annual Premium - RM 322.00 (Included RM
10.00 Stamp Duty)
Region 2 (Europe Country including Region 1
countries).
Annual Premium - RM 464.00 (Included RM 10.00 Stamp
Duty)
Region 3 (Worldwide
including Bangladesh, Nepal, Tibet, Mongolia (Inner & Outer), Middle
East.
Annual Premium - RM 549.00 (Included RM 10.00 Stamp
Duty)
This policy Not cover for any
travels made in, to or through Afghanistan, Cuba, Democratic Republic or Congo,
Iran, Iraq, Liberia, Sudan or Syria.
FAQ - Annual Plan
01) If We need an emergency assistance or
if We need to be admitted to a hospital whilst overseas?
Please call
AIG Travel Guard at 603 2772 5600.
You may reverse charge the call where this
service is available. Please contact Travel Guard prior to seeking care. If you
are unable to do so during an emergency, seek treatment first, and contact
Travel Guard as soon as possible.
02) Are activities such as winter sports
& scuba diving covered?
All leisure sports are covered at no extra
premium as long as it does not involve engaging, practicing or participating in
any sport whether in a semi professional or in a professional capacity or where
income or remuneration can be earned from engaging in such sports.
03) Can I cancel my policy and get a
refund?
No refund of premium is allowed once the policy has been
issued.
04) How do I submit a
claim?
Please submit a duly completed travel claim form within 30days
from the date of loss, together with all supporting documents and contact ACPG
+603-92863323 or email to enquiry@acpgconsultant.com.
05) How long does it take to process a
claim?
30 working days upon receiving complete document, and provided
that there is no further information or investigation required
06) What should I do if the airline loss
my baggage?
Lodge a report and seek compensation from the airline. You
may file in your claim for the loss not compensated by the
airline
07) Will I be covered for an illness that
I am already suffering from or have suffered in the Past?
No. We do
not cover any pre-existing condition within 1 year prior to the policy effective
date.
08) Can I continue my medical treatment in
Malaysia for injuries sustained overseas?
Yes. If you suffer from a
disability while on an overseas trip and then seek follow-up treatment in
Malaysia, we will reimburse the medically necessary expenses incurred within 30
days upon arrival to Malaysia, subject to medical expenses limit specified in
the schedule of benefit.
09) If I fall down overseas but did not
seek treatment overseas, can I claim for medical expenses if I seek treatment
after returning to Malaysia?
Yes. If no treatment is sought overseas,
you must sought first treatment within 24 hours from the date of arrival in
Malaysia. We will reimburse the medically necessary expenses incurred within 30
days upon arrival to Malaysia, subject to medical expenses limit specified in
the schedule of benefit.
10) Are dental expenses or
pregnancy-related matters covered?
No. Dental expenses and
pregnancy-related matters are not covered, unless they are direct consequences
of an accident.
11) I need to cut-short my trip because my
father is hospitalized in Malaysia. What am I covered for?
We will
reimburse the reasonable and necessary additional cost of travel and
accommodation up to RM 1,000 and the unused and non-refundable expenses which is
paid in advance and not recoverable from any sources.
12) Can I file a claim if my baggage is
stolen as I left it outside on a bench while I am checking In?
No, we
do not cover for loss of baggage left unattended in any public place, as the
policy excludes any failure of the insured to take reasonable efforts to
safeguard his/her property.
13) Can I claim for travel cancellation if
I cancel my trip because of political unrest at my planned
destination?
Yes, travel cancellation covers any event below which
occurs within 14 days prior to original scheduled departure.
· Event which
leads to widespread violence
· Event which put your life in danger
· Event
which with the advise of the government declaring unsafe conditions for
travel
However, the policy excluded strike or events due act of war,
assertion of sovereignty, insurrection, revolution and use of military
power.
14) What should I do if I lose money
whilst aboard?
You must report to local police within 24 hours after
the incident. Please submit a police report (in English translation) in the
events of claims, together with proof of travel and completed claims
form.
15) Will I be covered if my belongings are
pick-pocketed while traveling overseas?
Yes. You must report to local
police within 24 hours after the incident. Please submit a police report (in
English translation) in the events of claims, together with original purchase
receipt and completed claims form.
16) Does Travel Assist cover for Natural
Disaster?
Yes. We cover Travel Cancellation, Travel Curtailment,
Travel Delay, Medical Expenses reimbursement and Accidental Death or Permanent
Disablement due to Natural Disaster.
17) If I transit in Middle East (region 3) during my
trip to Europe (region 2) but I am not stopping over in Middle East, what region
should I buy?
If you transit in Middle East with no stopover, you may
purchase a region 2 plan.
If you transit in Middle East with maximum stopover
of 1 night because there is no connecting flight,
You may also purchase a
region 2 plan.
18) Can I extend my policy period after my trip
commence?
Coverage shall be extended at our discretion for up to 30
days from the expiry of the period of insurance without payment of any
additional premium if you are hospitalized and/or quarantined overseas as
recommended by a doctor or any other circumstances beyond your control which is
deemed reasonable by us prohibiting your return to Malaysia prior to the
insurance expiry.
All above mention of coverage and benefits should refer to policy wordings
for full terms and conditions.
Even the best-planned holiday can be you
need?affected by the unexpected. Why expose yourself when travel insurance can give you the cover.
Oversea Travel Insurance Package
Single Trip Coverage From RM30
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Unwind with a peace of mind! Whether you are on a week-long business trip or a long-weekend holiday, all it takes is one second for an unexpected event to ruin your trip.
If things go wrong while you’re traveling, travel insurance will take care of you.
Now, in partnership with AIG Malaysia, ACPG Travel Insurance Division makes comprehensive travel insurance easily available to you with online quotation and activation as you make your Silk Air flight booking! Exclusively designed for ACPG customers and Walk In Online members, Travel Insurance by AIG promises:
1. Affordable Premiums with reliable coverage
2. Products & Services provided by one of the world’s largest travel insurance service providers
3. The convenience of hassle-free online activation
Please refer to our FAQs Page to learn more about Travel Insurance by ACPG Oversea Travel Insurance Package.
Reason To Purchase ACPG Oversea Travel Insurance Package.
You can never foretell when your dream travel trip becomes a bit of a nightmare. Travel the world in complete freedom; travel insurance by ACPG Oversea Travel Insurance Package gives you that comprehensive protection.
There are hundreds of circumstances that could cause you to cancel your trip, return home early or seek emergency medical treatment while traveling.
Purchasing travel insurance, and having access to emergency travel services is very important; here are a few common examples of what could go wrong:
- It's 10 p.m. and you and your immediate family arrive at the airport for a connecting flight, only to find that your flight has been cancelled. Who can assist you with finding new flights to get everyone home?
- Its your first visit to Europe, and your passport and wallet are stolen. Who do you turn to for emergency cash, and how do you get your passport replaced?
- You're involved in an accident and adequate medical treatment is not available. Who will help arrange and pay for a medical evacuation?
- If your sister-in-law becomes seriously ill and you must cancel your trip, what happens to your non-refundable deposits or pre-payments?
- You arrive in Thailand and your luggage doesn't. If it's lost, who will help you find it? If it's delayed, who will pay for your necessities? If it's stolen, who will pay to replace it?
- You're walking down a street in Ho Chi Min City and twist your ankle. Who can help you find an English-speaking physician?
- Three weeks before your scheduled arrival, a terrorist incident occurs in a city you are planning to visit. Who will pay if you want to cancel your trip?
- You are at a beach resort, and you are forced to evacuate due to an approaching hurricane. Who will help you evacuate and who will reimburse your lost vacation investment?
In the event of loss, written notice of claim should be given to us within 30 days from the date of the incident, by completing and submitting the ACPG , together with all the required supporting documents.
Keep these to file a claim:
(a) Boarding pass and e-ticket for all claims
(b) Original medical receipts and doctor's diagnosis if medical related
(c) Letter from airline confirming the duration of flight change and reason of change
(d) Property irregularity report if your baggage is delayed/damaged
(e) Original receipts additional accommodation, transportation, communication expenses, replacement cost for lost of travel documents
(f) Police report (lodged within 24 hours) on loss related incident.
Claims related document:
ACPG Oversea Travel Insurance Package - FAQs
- What is Travel Insurance?
Travel Insurance is a comprehensive insurance plan for domestic and overseas travel. The major benefits provided are medical related benefits, personal accidents benefits, travel inconvenience & other travel-related benefits and 24-hours worldwide travel assistance.
Additionally, you can choose to purchase our optional rider benefit which extends your coverage to include your golfing equipments and your participation in special sports such as winter sports activities & scuba diving.
- What is the age limit to purchase Travel Insurance?
(a) Per Trip plan – minimum 31 days, up to a maximum of 65 years.
(b) Annual plan – entry age is between 18 to 60 years, and is renewable up to 65 years.
- Who is eligible to purchase?
An individual who travels domestically within Malaysia or overseas for the purpose of leisure and/or business. However, we do not cover for any travels made in, to or through Afghanistan, Cuba, Democratic Republic or Congo, Iran, Iraq, Liberia, Sudan or Syria.
- What is the maximum period of coverage?
(a) Per trip plan – 180 consecutive days for an overseas trip, 60 consecutive days for a domestic trip.
(b) Annual plan – 100 consecutive days for an overseas trip, 60 consecutive days for a domestic trip.
- When does my coverage for the overseas trip begin?
(a) Travel Cancellation
Per Trip plan – 24 hours from the purchase of the policy, unless due to an accident in which cover commences from the policy purchase date.
Annual plan – 24 hours from the purchase of the policy or after travel is booked whichever occurs later, unless due to an accident in which cover commences from the travel booking date.
Cancellation of a scheduled trip due to death, permanent total disablement or hospitalization must occur within 60 days prior to your original scheduled departure and for other covered events, it must occur within 14 days prior to your original scheduled time of departure.
(b) Travel Delay and Accidental Death & Disablement
Within 12 hours prior to departure from Malaysia.
(c) All other benefits
Upon departure from Malaysia.
- I am holding a one-way ticket. Can I purchase Travel Insurance?
Yes. For one-way travel, coverage terminates 5 days upon your departure from Malaysia.
- What should I do if the airline lost my baggage?
Lodge a report and seek compensation from the airline. You may file in your claim for the loss not compensated by the airline.
-
Can I buy more than one Travel Insurance policy for the same trip?
If you are covered by more than one policy, we will cover you based on the policy which provides the highest benefit level.
-
Are activities such as winter sports & scuba diving covered?
Winter sports & scuba diving activities will be covered if the Special Sports Optional rider is purchased and as long as it does not involve engaging, practicing or participating in a semi-professional or in a professional capacity or where income or remuneration can be earned from in such sports.
-
Is the benefit payable by per incident or per trip?
Sum insured listed in the schedule of benefit is payable based on per incident.
-
Who do I contact for an emergency assistance or if I need to be admitted to a hospital while overseas?
Please call AIG Travel Guard at 603 2772 5600. You may reverse charge the call where this service is available. Please contact Travel Guard prior to seeking care. If you are unable to do so during an emergency, seek treatment first, and contact AIG Travel Guard as soon as possible.
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What is the definition of Immediate Family Members?
It refers to the legal spouse, child, parent and their siblings, parent-in-law, grandparent, grandparent-in-law, grandchild, sibling, sibling-in-law, niece or nephew of the insured.
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I am travelling to multiple countries, do I need to buy a separate plan for each country? Which region should I select?
If you are travelling to multiple destinations within the same trip, you can be covered under one policy. Please select the furthest region as listed under our area of coverage.
-
Can I cancel my policy and get a refund?
No refund of premium is allowed once the policy has been issued.
-
How do I submit a claim?
Please submit a duly completed travel claim form within 30 days from the date of loss, together with all supporting documents to AIG Malaysia Insurance at Wisma AIG, No. 99, Jalan Ampang, 50450 Kuala Lumpur.
-
How long does it take to process a claim?
30 working days upon receiving complete documentation and provided that there is no further information or investigation required.
-
What should I do if the airlines loses my baggage/s?
Lodge a report and seek compensation from the airline authority. You may file in your claim for losses not compensated by the airlines.
-
Will I be covered for an illness that I am already suffering from or have suffered in the past?
No. We do not cover any pre-existing condition occurring within 1 year prior to the policy effective date.
-
Can I continue my medical treatment in Malaysia for injuries sustained overseas?
Yes. If you suffer from a disability while travelling on an overseas trip and subsequently seek follow-up treatment in Malaysia, we will reimburse the medically necessary expenses incurred within 30 days upon arrival to Malaysia, subject to the medical expenses limit specified in the schedule of benefit.
-
If I fall down overseas but do not seek treatment overseas, can I claim for medical expenses if I seek treatment after returning to Malaysia?
Yes, only if the treatment is sought within 24 hours from the date of arrival in Malaysia. We will reimburse the medically necessary expenses incurred within 30 days upon arrival to Malaysia, subject to the medical expenses limit specified in the schedule of benefit.
-
Are dental expenses or pregnancy-related matters covered?
No, dental expenses and pregnancy-related matters are not covered, unless they are direct consequences of an accident.
-
I need to cut-short my trip because my father is hospitalized in Malaysia. What am I covered for?
We will reimburse the reasonable and necessary additional cost of travel and accommodation up to RM 1,000 and the unused and non-refundable expenses which is paid in advance and not recoverable from any relevant parties.
-
Can I file a claim if my baggage is stolen where it is left outside on a bench while I am checking in?
No, we do not cover for loss of baggage left unattended in any public place, as the policy excludes any failure of the insured to take reasonable efforts to safeguard his/her property.
-
Can I claim for travel cancellation if I cancel my trip because of political unrest at my planned destination?
Yes, travel cancellation covers any event below which occurs within 14 days prior to original scheduled departure which:
(a) leads to widespread violence;
(b) is not due to reasons for purposes of asserting sovereign rights and/or operating on behalf of a sovereign state;
puts your life in danger; and
(c) following the advise and/or warning of the Malaysian government or the government of the destination country declaring unsafe conditions for travel through or by general mass media.
However, this policy excludes strikes or events due to an act of war, assertion of sovereignty, insurrection, revolution and use of military power.
-
What should I do if I lose money whilst aboard?
You must make a report to the local police within 24 hours after the incident. Please submit a police report (in English translation) in the event of a claim, together with the proof of travel and completed claims form.
-
Will I be covered if my belongings are pick-pocketed while traveling overseas?
Yes. You must make a report to the local police within 24 hours after the incident. Please submit a police report (in English translation) in the event of a claim, together with original purchase receipts and a completed claims form.
-
Does Travel Insurance cover for natural disasters?
Yes. Natural disasters including but not limited to volcanic eruption, flood, earthquake, tsunami, hurricane or wildfire are covered events under our policy.
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If I transit in the Middle East (region 3) during my trip to Europe (region 2) but I am not stopping over in the Middle East, what region should I buy?
(a) If you transit in the Middle East with no stop over, you may purchase a Region 2 plan.
(b) If you transit in the Middle East with a maximum stop over of 1 night because there is no connecting flight, you may also purchase a Region 2 plan.
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Can a child purchase an individual policy and what is the premium and benefits?
A child (aged between 31 days and above and up to 18 years) can purchase an individual policy but the policy must be issued under a parent or legal guardian’s name, i.e. on the life of (OTLO) the child’s name.
For example:
"Jack Tan OTLO Tan Mei Mei”.
The payable premium for a child is the same as for an adult.
Under the Family plan, a child is entitled to 25% of the Accidental Death and Permanent Disablement benefit and all other benefits are payable at 100%.
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Can I purchase travel insurance after I depart and still be covered?
No. You must purchase the policy prior to your scheduled departure.
-
Can I extend my policy period after the commencement of my trip?
Coverage shall be extended at our sole discretion for up to 30 days from the expiry of the period of insurance without payment of any additional premium if you are hospitalized and/or quarantined overseas as recommended by a doctor or as a result of any circumstances beyond your control which is deemed reasonable by us prohibiting your return to Malaysia prior to the insurance expiry.
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When does the Home Away Protection cover starts?
For domestic trips, coverage starts as soon as you depart from your place of residence or work. For overseas trips, coverage starts as soon as you depart from Malaysia. Coverage is valid if the travel period is a minimum of 2 days and terminates upon your return or upon completion of 31 consecutive days of travel, whichever is earlier.
-
Does Golf Insurance Rider cover extend worldwide?
Cover is worldwide except for United States of America and/or Canada and to countries where such payment would violate any prohibition or regulation or sanction that has been imposed by the Malaysian Government, the American Government and/or the United Nations
-
Can I cancel my policy and get a refund?
No refund of premium is allowed once the policy has been issued.
Malaysia Travel Insurance Tips, News, Case Study and Testimonies
News
Travel insurance saved my mum
29
September 2010, By The Star
RECENTLY, on a trip to China with my
81 year-old mother and some friends, we met with an accident. My mom and I were
knocked down by a car. My mom suffered head injuries when she fell and hit her
head on the pavement. We took her to the hospital where it was determined that
she was bleeding in her brain and would be in no condition to travel.
Beside
difficulties in communicating with the locals as their dialect was different
from the Mandarin that we used in Malaysia, I also found out that it was going
to cost a lot of money to treat my mother. Furthermore, the Chinese hospital
would only accept yuan. Since I did not have much yuan with me, I was quite
desperate.
Then I remembered the travel insurance I bought for the trip and
called the emergency number given.
After confirming everything was in order, the
customer service staff arranged for doctors from Malaysia and Beijing to liaise
with the attending doctors at the hospital and to advise and keep me informed.
I
was asked by the company’s doctors whether I wanted to bring my mother home to
Malaysia.
I told them that I did not see how it was possible due to my mother’s
condition.
They assured me that they would make the arrangement and a plane
would be sent over to pick us up. The plane duly arrived as promised.
I was
surprised that the plane had ICU facilities with a doctor and nurse on board. On
arrival in Kuala Lumpur, there was an ambulance waiting to take us to the
hospital requested by me earlier. I was really amazed that for the small premium
that I paid, we were given such VVIP treatment.
As a businesswoman, I was
impressed by the professional manner of their staff in looking after us. With
more Malaysians now traveling, they should not neglect buying travel insurance
from the right company, especially when traveling overseas.
They should also
know what insurance coverage they are getting. I would like to thank all the
staff who looked after us in China and Malaysia, especially Dr Alan, Dr Teoh, Dr
Grey, Ms Sharmini and Ms Lisa. YVONNE YUE, Kuala Lumpur, Malaysia.
19th April 2009, ChoShan Island China.
Madam Tan, aged 65, sustained a fall whilst on a tour in ChoShan Island China. She
sustained a fracture femur and was warded at the local hospital at ChoShan China. Her
tour leader immediately contacted ISOS, Malaysia Insurer Medical Assist for assistance (Arranged by ACPG). Due to
the limited medical facility at this hospital coupled with the patient's
fragility, it was decided to evacuate her back to Malaysia for treatment before
her conditions deteriorated.
Air ambulance was arranged, and with a medical escort team, Madam Tan was
brought back to Malaysia just 3 days after the accident. Upon arrival at the
airport, an ambulance awaited, and transported her to the Sime Darby Medical Center Subang where she was operated upon, and discharged three days
thereafter.
Madam Tan is now on the road to recovery.
Case Study
Mrs Wong* loves to travel. At 56, she has all the time in the world to visit
the places she could only dream about in her youth. Her daughter, Sherene Wong*, enjoys
accompanying her on her trips. As they became seasoned travelers, Sherene Wong realized
that having an enjoyable trip includes planning for safe trip.
"You can plan as much as you can but there are certain things you can just
cannot plan for," she said. "Getting help in an unfamiliar place is a challenge
I can do without."
Early this year, before leaving on their holiday to Canton, Shanghai and
Beijing, Sherene Wong took her usual precautions. She told her family members where they
were going, informed her credit card company, read all about the places that
they were visiting and places to avoid and so on. She also purchased travel
insurance for both of them.
On the third day of their tour, Mrs Wong slipped and fell and fractured her
leg. She was immediately hospitalized and after 3 days, the Wong family decided
that it would be better to transfer Mrs Wong back to Malaysia.
"Luckily we have travel insurance," said Sherene Wong. "It was enough to cover all
the hospital bills in Shanghai, plus the cost of the medical evacuation." They
paid only lowest premiums and were covered for High Sum Insured for medical
expenses that included follow-up treatment in Malaysia. "I can't imagine how we
could have paid for everything on our own," said Sherene Wong.
Today, Mrs Wong is well on the road to recovery and is already planning
another trip. "We haven't decided on the destination yet," said Sherene Wong. "But it'll
be short and relaxed, nothing too taxing, and I certainly will make sure that we
have purchased travel insurance for the trip!"
MSIG
Travel Insurance MSIG 旅游保险 让您享受 无忧之旅
MSIG 旅游保险 - 欢度无忧 美好之旅
旅行本应是充满快乐回忆的无忧体验。您最不想遇见的 事情莫过于航班延误、取消、行李遗失或在旅途中发生 医疗事故。
MSIG
Travel Insurance MIG 旅游保险 将无时无刻陪伴您左右， 为您提供全面保障，让您享有无限的美好旅程。
周全保障计划 绝对旅游良伴
个人意外保障
意外身故和 终身残障
殡殓开支
医疗相关保障
*医疗费用
紧急医疗运送 或遣返
遗体遣返
*后续医疗
*住院津贴
*慰问探访
寄发药物
托儿服务
可选 附加险
额外运动
旅程阻碍保障
行李和旅程 延误
恐怖袭击
定金或行程 取消
旅程缩短
个人行李和 随身物品
旅行证件
错失航班
因航空公司或旅 行社破产而造成 的金钱损失
超额预定
归还租借露营车或 租用车额外开销
个人责任
转机失接
个人钱财
信用卡或 签帐卡赔偿
宠物旅店
家中保障
劫机
汽车租赁 超额保险
*国内保障利益范围仅涵盖因意外造成的因素
地理区域
亚洲 新加坡、泰国、印尼、菲律宾、文莱、台湾、韩国、中国包括香港 和澳门、老挝、越南、缅甸、柬埔寨、印度、斯里兰卡、马尔代夫、 孟加拉国、尼泊尔、澳大利亚、新西兰和日本。
全球 包括亚洲在内的所有国家（如上所述）, 除了以下所排除的国家。
国内 仅限马来西亚境内。
所排除的国家 以色列、伊朗、叙利亚、白俄罗斯、古巴、刚果民主共和国、朝鲜、 索马里、苏丹、南苏丹、津巴布韦以及所有其它被制裁和宣战的国家
注:
1. 海外 (亚洲/全球)
(a) 单程或双程的每个旅途／旅程的保障期高达185天。
(b) 全年保单的每个旅途／旅程的保障期高达90天。
(c) 高海拔登山活动的每个旅途／旅程的保障期高达30天。
(d) 除了单程之外，每个旅程必须在马来西亚开始及结束。
2. 国内
(a) 全年保单或单程／双程的每个旅途／旅程的保障期高达30天。
(b) 保费将被征收服务税。
3. 自动续保 (仅限全年保单) 您仅须根据全年保单条款和规则缴付保费。
除非保单终止，您的全年保单将会在每保单周年到期 时自动更新续保。
常见问题
Q1. 谁有资格投保?
所有马来西亚公民、马来西亚永久居民、工作准证依然生效的持有人、学生准证持有 人或在马来西亚合法雇用的人士，以及他／她合法居住在马来西亚的伴侣和子女。
我们提供的计划如下：
(a) 成人计划/成人全年计划－若您年龄介于18岁和69岁之间;
(b) 孩童计划/孩童全年计划 －若您年龄介于30天和17岁之间;
(c) 长者计划－若您年龄介于70岁和80岁之间;
(d) 家庭计划 － 若保单持有人年龄介于18岁和69岁之间，保单持有人的一
(1) 位合法 伴侣年龄介于18岁和69岁之间，以及保单持有人的子女年龄介于30天和24岁之间。
Q2. 发生紧急情况时，我应该联系谁？
在 紧急情况下，您可以拨打+603-79653930 联系我们授权代表的24小时紧急热线 。
Malaysia Business Travel Insurance
Travel Assist
Claims Procedures
- Notify AIG Malaysia Insurance personnel/ACPG immediately after the incident.
- For prompt claim processing, please ensure that following general documents are submitted.
Documents Required for All Claims
- Duly completed & signed Travel Claim Notification Form
- Proof of Travel (Travel Itinerary or e-Ticket or Boarding Pass)
- Original Certificate of Insurance
Other Supporting Documents
- Accidental Death/ Permanent Disablement
· Copy of Detailed Post Mortem / Autopsy Report
· Copy of Death Certificate
· Copy of Police Report on the alleged accident
· Copy of Nominee’s/ Claimant’s Identity Card and Proof of relationship
· Letter of Administration/ Distribution Order (if no Nomination or Nominee
is below the age of 18 years)
· Medical report or any other documents to substantiate the claim
· Medical Specialist Report confirming the Permanent Disablement and
percentage of disability for assessment done at the end of 6 months after the
alleged accident
- Medical Reimbursement
· Medical Report or Diagnosis Note stating the nature of injury/ illness
· Original Hospital Billing Statement
· Original Medical Payment Receipts
- Daily Hospital Income
· Diagnosis note from the attending doctor abroad stating the nature of injury/
illness
· Copy of Hospital Billing Statement depicting the duration of hospitalization
- Compassionate Visit/ Child Guard
· Original Receipt for accommodation, communication, travel and meal
expenses incurred
· Copy of Hospital Billing Statement depicting the duration of hospitalization
(if due to hospitalization of the Insured Person)
· Medical Report (if due to hospitalization of the Insured Person)
· Copy of Death Certificate (if due to death of the Insured Person)
· Copy of Detailed Post Mortem Report (if due to death of the Insured Person)
- Travel Cancellation / Curtailment
· Travel Agency/ Common Carrier terms and conditions documents
· Letter from Travel Agent confirming the refund amount (if NIL refund,
please state reason and/ or provide proof of denial from relevant
parties) or Written Confirmation from Common Carrier confirming the
refund amount
· Original Invoice and Payment Receipts confirming the full amount paid
· Medical Report and to provide details of all normal attending physicians
· Copy of Proof of Relationship (marriage certificate/ birth certificate etc.) (if
applicable)
· Copy of Death Certificate (if applicable)
· Copy of Police Report on the damaged property (if applicable)
- Travel Delay
· Written Confirmation from Common Carrier confirming the delay duration
(in number of hours) and reason for delay
- Travel Reroute
· Written Confirmation from Common Carrier confirming the rerouting, the
reason of such reroute, and time of actual arrival at the scheduled destination
- Travel Overbooked
· Written Confirmation from Common Carrier confirming the overbooking
and the next arrangement of flight including date and time
- Travel Misconnection
· Written Confirmation from Common Carrier confirming the flight
misconnection details and actual departure time of the connecting flight
- Missed Departure
· Copy of Police Report
· Original Scheduled Itinerary and Actual Boarding Pass
- Baggage Delay
· Property Irregularity Report issued by Common Carrier
· Baggage Return Delivery Note or Written Confirmation from
Common Carrier confirming the delay duration
- Baggage Damage
· Property Irregularity Report issued by Common Carrier
· Copy of Purchase Receipt or Original Repair Receipt
- Loss of Baggage/ Personal Effects
· Property Irregularity Report issued by Common Carrier
· Letter from Common Carrier confirming the loss and their offer of
compensation (for Baggage and Personal Effects checked-in with
common carrier)
· Copy of Police Report detailing the circumstances of loss (for
baggage and personal effects not checked-in with common carrier)
· Demand Letter holding the Hotel responsible for the loss and
Photographs depicting damages sustained (if loss occurred in a
hotel room)
· Original Purchase Receipt depicting the cost of lost item and year
of purchase
- Loss of Travel Documents/ Money
· Copy of Police Report detailing the circumstances of loss, item lost
and amount lost
· Insured’s account on the exact description of the incident (if Police
Report was lodged in foreign language)
· Original Receipt for replacement of passport/ visa, accommodation,
communication, travel and meal expenses incurred (specific for loss
of travel documents)
- Home Inconvenience Allowance
· Copy of Police Report detailing the circumstances of loss
· Photographs depicting damages sustained
- Personal Liability
Note :Any lawsuit, demand, claim or proceeding of any types
relating to the incident of which the claimant becomes aware of,
and received from the third party claimant, should be
immediately forwarded to AIG Malaysia Insurance Berhad.
NO LIABILITY should be admitted and no settlement or promise
of payment should be reached or made to the third party without
prior written consent by AIG Malaysia Insurance Berhad.
Your Trusted and Experience
Malaysia Largest Risk Management Insurance Solution Services Provider since year 1989.
ACPG MANAGEMENT SDN BHD
We (ACPG), provided all classes of insurance services more than 29 years in Malaysia (since year 1989).
We (ACPG) One of The Largest General Insurance (Individual & Commercial) Service Provider in Malaysia.
Any enquiry, email to enquiry@acpgconsultant.com or Call our Careline : +603-9286 3323.
