All you want to know about... TRAVELPAC

BENEFITS

SECT

BENEFITS

SINGLE TRIP (Two-way cover)

ANNUAL COVER

SILVER PLAN

GOLD PLAN

ANNUAL GOLD

Individual / Insured & Spouse Family Individual / Insured & Spouse Family Individual Only
1 PERSONAL ACCIDENT - Accidental Death & Total Permanent Disablement

Compensation for death or disablement as described in the table of compensation if an Insured Person suffers injury during the journey which within twelve (12) months of its happening is the sole cause of death or such disablement:-

  1. 30 days to 69 years old
  2. 70 years old to 80 years old
  

 

 

  1. RM150K

  2. RM75K

 RM450K (subject to RM150K per Insured Person)  

 

 

  1. RM300K

  2. RM150K

 RM900K (subject to RM300K per Insured Person)  

 

 

  1. RM300K

  2. RM150K
2 CHILD EDUCATION GRANT

In the event the Insured Person suffers injury during the journey, we will pay for his/her school-going biological child or legally adopted school-going child aged above 6 years and below 16 years or up to 23 years of age if studying full time in a recognised institution of higher learning.

RM5K RM5K RM10K RM10K RM20K
3 OVERSEAS MEDICAL EXPENSES

The medically necessary medical, surgical, nursing or hospital charges incurred including emergency dental treatment expenses will be made payable in the event the Insured Person suffers from injury or illness during a journey outside Malaysia:-

  1. 30 days to 69 years old

  2. 70 years old to 80 years old

  

 

 

  1. RM150K

  2. RM75K

 RM450K (subject to RM150K per Insured Person)  

 

 

  1. RM300K

  2. RM150K

 RM900K (subject to RM300K per Insured Person)  

 

 

  1. RM300K

  2. RM150K
4 FOLLOW-UP TREATMENT IN MALAYSIA

(Incurred not more than 90 days after returning to Malaysia) Reimbursement of medical expenses which are a continuation in Malaysia of such overseas medical treatment provided the Insured Person has obtained medical treatment during the journey outside Malaysia for an injury or illness:-

  1. 30 days to 69 years old

  2. 70 years old to 80 years old

  

 

 

  1. Up to RM15K

  2. Up to RM7.5K

 Up to RM45K per family  

 

 

  1. Up to RM30K

  2. Up to RM15K

 Up to RM90K per family  

 

 

  1. Up to RM30K

  2. Up to RM15K

 

5 OVERSEAS HOSPITAL INCOME

Pays for the Insured Person's hospital confinement during the journey outside Malaysia due to injury or illness sustained during the overseas journey.

RM175 per day (max RM5,250 per Insured Person) RM175 per day (max RM15,750 per family) RM350 per day (max RM10,500 per Insured Person) RM350 per day (max RM31,500 per family) RM350 per day (max RM10,500 per Insured Person)
6 17 INFECTIOUS DISEASES COVER

In the event the Insured Person contracts one of the 17 infectious diseases stated hereunder during the journey outside Malaysia, we will pay a daily benefit up to the limit specified in the Schedule provided he/she is required to be quarantined in the hospital either by law or as advised by a medical practitioner.

The 17 infectious diseases are SARS, DHF, Vcjd (Mad Cow Disease), Nipah Viral Encephalitis, Japanese Viral Encephalitis, Malaria, Anthrax Infection, Yellow Fever, Plague, Meliodosis or Soil Disease, Rabies, Legionnaires Disease, Avian Flu or Bird Flu due to Influenza A viral strains H5N1, H9N2 or H7N7, Hand Foot & Mouth Disease (HFMD), Tuberculosis, Measles, Chikungunya.

RM100 per day (max RM1K per Insured Person) RM100 per day (max RM3K per family) RM200 per day (max RM2K per Insured Person) RM200 per day (max RM6K per family) RM200 per day (max RM3K per Insured Person)
7 CHILD CARE BENEFIT*

(subject to hospitalisation for more than 3 consecutive days) Reimbursement of the reasonable travel and hotel accomodation expenses necessarily incurred by one family member, relative or friend to travel overseas to accompany the Child(ren) back to Malaysia provided there is no other Adult to accompany the child(ren) who is/are on the same journey.

*not applicable to a Child Insured Person

Excess of RM50 per claim applies.

Up to RM7,500 Up to RM7,500 Up to RM15,000 Up to RM15,000 Up to RM21,000
8 COMPASSIONATE VISIT* (DUE TO INJURY OR DEATH)

(subject to hospitalisation for more than 3 consecutive days) Reimbursement of the reasonable travel and hotel accomodation expenses necessarily incurred by one member of the Insured Person's immediate family or friend to accompany the Insured Person until he/she is able to resume journey or return to Malaysia.

*only payable for one claim made on either injury or death but not both.

Excess of RM50 per claim applies.

Up to RM3,750 per Insured Person Up to RM11,250 per family Up to RM7,500 per Insured Person Up to RM22,500 per family Up to RM8,000 per Insured Person
9 EMERGENCY MEDICAL EVACUATION

If the Insured Person suffers injury or illness during the journey outside Malaysia resulting in a serious medical condition, the service provider will arrange for transportation, communications and other ancillary services to move the Insured Person to the nearest hospital.

RM1,000,000
10 EMERGENCY MEDICAL REPATRIATION

Following the medical evacutaion referred to in Section 9 and if deemed medically necessary by the service provider, the service provider will arrange and pay for repatriation of the Insured Person to Malaysia.

RM1,000,000
11 REPATRIATION OF MORTAL REMAINS

Reimbursement of reasonable expenses incurred for funeral or burial where death occurs resulting from injury or illness and the service provider will make the necessary arrangements for repatriation of body or ashes back to the Insured Person's home in Malaysia.

Up to RM25,000 Up to RM50,000
12 LOST OF BAGGAGE & PERSONAL EFFECTS

Reimbursement of accidental loss of or damage during the journey to personal baggage (including clothing worn) and valuables taken or owned by the Insured Person, provided not recoverable from other sources. Subject to:-

Valuables are covered against theft and not due to negligence of the Insured Person.

Single article, pair or set of articles - RM500 or up to 40% of the limit in respect of valuables whichever is lower.

Excess of RM50 per claim applies.

Up to RM3,750 per Insured Person Up to RM11,250 per family Up to RM7,500 per Insured Person Up to RM22,500 per family Up to RM7,500 per Insured Person
13 PERSONAL MONEY & DOCUMENTS

Reimbursement of accomodation, travel and communication expenses in obtaining replacement of passport or visa and/or travel documents.

Loss of money due to robbery, buglary or theft is covered up to RM1,000.

Any loss due to the negligence of the Insured Person is not covered.

Excess of RM50 per claim applies.

Up to RM3,750 per Insured Person Up to RM11,250 per family Up to RM7,500 per Insured Person Up to RM22,500 per family Up to RM7,500 per Insured Person
14 BAGGAGE DELAY (RM200 for every 6 consecutive hours delay)

Reimbursement of emergency purchase of essential clothing or toiletries if checked in baggage is delayed upon arrival at your destination abroad.

Up to RM400 per Insured Person Up to RM1,200 per family Up to RM800 per Insured Person Up to 2,400 per family Up to RM1,600 per Insured Person
15 LOSS OF DEPOSIT OR CANCELLATION**

Reimbursement of unused travel fare, accomodation expenses and deposits that is irrecoverable and has been paid in advance and if the journey is unavoidably cancelled provided that the Insured person had purchased this insurance not later than 7 days prior to commencement of the trip.

Excess of RM50 per claim applies.

**This policy will only pay for any claim either under Section 15 or Section 16 , but not both.

Up to RM10K per Insured Person Up to RM30K per family Up to RM20K per Insured Person Up to RM60K per family Up to RM20K per Insured Person
16 TRAVEL CURTAILMENT**

Reimbursement of unused travel fare, accomodation expenses and deposits that are irrecoverable and has been paid in advance and if the journey is unavoidably curtailed after its commencement.

Excess of RM50 per claim applies.

**This policy will only pay for any claim either under Section 15 or Section 16 , but not both.

Up to RM10K per Insured Person Up to RM30K per family Up to RM20K per Insured Person Up to RM60K per family Up to RM20K per Insured Person
17 MISSED DEPARTURE***

Reimbursement of the expenses incurred for hotel accomodation, meals or refreshments or necessary travel expenses due to failure of Public Transport services to get the Insured Person to the departure port stated in the schedules ticket.

Excess of RM50 per claim applies.

***Claims under Section 17 to Section 21 resulting from the same occurences, this policy will reimburse under one of the sections only.

Up to RM1K oer Insured Person Up to RM3K per family Up to RM2K per Insured Person Up to RM6K per family Up to RM2K per Insured Person
18 CANCELLATION DUE TO DELAY***

Reimbursement of the irrecoverable deposits/charges paid in advance should the planned journey is cancelled due to delay.

***Claims under Section 17 to Section 21 resulting from the same occurences, this policy will reimburse under one of the sections only.

Up to max RM250 per Insured Person Up to max RM750 per family Up to max RM500 per Insured Person Up to max RM1,500 per family Up to max RM500 per Insured Person
19 TRAVEL OVERBOOKED*** (RM200 for every 6 consecutive hours)

Reimburses in the event that the Insured Person's confirmed carrier is overbooked by the scheduled carrier company as a result of a delay in departure and there is no alternative onward or transportation available.

***Claims under Section 17 to Section 21 resulting from the same occurences, this policy will reimburse under one of the sections only.

Up to RM1,500 per Insured Person Up to RM4,500 per family Up to RM3,000 per Insured Person Up to RM9,000 per family Up to RM3,000 per Insured Person
20 TRAVEL MISCONNECTION***

Pays in the event that the Insured Person misses his/her confirmed onward travel connection due to late arrival of the incoming scheduled carrier or delay in departure provided there are no alternative onward or transportation available for more than 6 consecutive hours from the actual arrival time.

***Claims under Section 17 to Section 21 resulting from the same occurences, this policy will reimburse under one of the sections only.

RM100 RM300 RM200 RM600 RM500
21 TRAVEL REROUTE***

Reimburses in the event his/her covered scheduled carrier is delayed for 6 consecutive hours from the original arrival time due to rerouting of the scheduled carrier.

***Claims under Section 17 to Section 21 resulting from the same occurences, this policy will reimburse under one of the sections only.

RM100 RM300 RM200 RM600 RM250
22 CHARTERED FLIGHTS (Scheduled Time)

RM150 for 10 consecutive hours.

Reimburses Insured Person in the event the chartered flight has been delayed due to adverse weather conditions, strike, riot, civil commotion, mechanical breakdown and derangement of carrier.

Up to RM300 per Insured Person Up to RM900 per family Up to RM600 per Insured Person Up to RM1,800 per family Up to RM600 per Insured Person
23 LOSS OF DEPOSIT /  FULL PAYMENT DUE TO INSOLVENCY OF AIRLINES

Reimbursement of the unused travel fare, accomodation expenses and deposits that have been paid in advance due to bankruptcy or insolvency of the airline resulting in the Insured Person's inability to commence or continue the journey.

Up to RM2,500 per Insured Person Up to RM7,500 per family Up to RM5,000 per Insured Person Up to RM15,000 per family Up to RM10,000 per Insured Person
24 PERSONAL CREDIT THEFT

Reimbursement for such unauthorised transaction in the event the Adult Insured Person suffers loss as a direct result of fraudulent use following theft.

Up to RM2,500 per Insured Person Up to RM7,500 per family Up to RM5,000 per Insured Person Up to RM15,000 per family Up to RM10,000 per Insured Person
25 PERSONAL LIABILITY

This benefit indemnifies against all sums where the Insured Person becomes legally liable to pay as compensation for accidents occurred during the journey and which results in:-

  • death or injury of any other person

  • loss of or damage to property belonging to other persons

 Up to RM500K per Insured Person Up to RM1.5 million per family Up to RM1 million per Insured Person Up to RM3 million per family Up to RM1 million per Insured Person
26 HOME CARE BENEFIT

Indemnifies against physical loss or damage to contents of the Insured Person's home caused by fire or theft accompanied by actual , forcible violent entry or exit to the residence during the Period of Insurance.

Up to RM2,500 Up to RM5,000 Up to RM5,000
27 RENTAL CAR EXCESS COVER

Reimbursement of excess where the Insured Person is legally liable to pay when he/she rents or hires a car, or a campervan from a licensed rental agency and where the rental agreement includes excess making the Insured Person liable for loss or damage to the rental vehicle.

Excess of RM50 per claim applies.

Up to RM500 per policy Up to RM1,000 per policy Up to RM3,000 per policy
28 KIDNAP / HOSTAGE / HIJACKING

Pays in the event the Insured Person is kidnapped, wrongly confined, abducted or restrained by criminal force for every 24 hours during the journey outside Malaysia.

RM500 per day (max RM50K) RM500 per day (max RM150K) RM1K per day (max RM100K) RM1K per day (max RM300K) RM1K per day (max RM100K)
29 OUTSTANDING CREDIT CARD BALANCE

Reimbursement of outstanding travel fares owing to the credit card company(s) under extended payment of interest free installment due to overseas hospital confinement for more than 5 days consecutively.

Up to RM500 Up to RM1,000 Up to RM2,000
30 DOMESTIC PET CARE (for pets dog or cat only)

RM50 for each full 6 consecutive hour delay of public transport.

Reimbursement for the Insured Person's pet dog or cat's continued stay in a pet hotel /  kennel or cattery in the event the Insured Person is unable to return to Malaysia on the scheduled date due to:-

  • Injury or Illness

  • Delay of public transport which he/she is booked on

 Up to RM500 Up to RM1,000 Up to RM3,000
31 LOSS OF USE OF HOTEL FACILITIES

Reimburses additional expenses incurred for alternative accomodation for each day of unavailability in the event of loss of booked hotel accomodation as a result of fire, flood, riot, strike and civil commotion during the overseas journey.

RM250 per day (max RM500) RM250 per day (max RM1,500) RM250 per day (max RM1,000) RM250 per day (max RM3,000) RM250 per day (max RM1,000)
32 LOSS OF USE OF ENTERTAINMENT TICKET*

Reimburses for unused entertainment ticket charges and deposits that have been paid in advance and are not recoverable from any other source due to:-

  • Death, serious injury, serious illness

  • Unexpected outbreak of strike, civil unrest, riot, and civil commotion

  • Compulsory quarantine

*Entertainment ticket refers to entrance and/or admission charges/fees for Tourist Attraction Centers, excluding night life activities, vouchers regardless of type of usage and the like.

Up to RM250 per Insured Person Up to RM750 per Insured Person Up to RM500 per Insured Person Up to RM1,500 per Insured Person Up to RM1,000 per Insured Person
33 EMERGENCY TELEPHONE CHARGES

Reimbursement fof the telephone charges incurred for the Insured Person in contacting the service provider due to 24 hours medical assistance.

Up to RM150 per Insured Person Up to RM450 per Insured Person Up to RM300 per Insured Person Up to RM900 per Insured Person Up to RM300 per Insured Person
34 SPECIAL COVERAGES

Compensates for death or disablement up to 50% of Section 1 if an Insured Person suffers injury directly due to the sports stated in the schedule.

Not withstanding the General Exclusions No. 1(a), 1(b), 1(c) as stated in the policy wording, this policy is extended to cover terrorism for each Insured Person subject to 50% of Section 1 for claims arising directly or indirectly from act of terrorism.

Abseiling, Aerial Activities (other than as a fare paying passenger in a properly licensed commercial aircraft), Bungee Jumping, Hang-Gliding, Hiking, Marathons, Mountaineering (with the use of mechanical guides & ropes), Parachuting, Paragliding, Scuba Diving, Windsurfing, Winter Sports

COVERED

35 AUTOMATIC EXTENSION OF PERIOD OF INSURANCE

In the event the homeward journey cannot be completed before the expiry date, the cover will remain in force without additional premium for up to:-

  1. 14 days if any public transport where the Insured Person is travelling as a ticket holding passenger is delayed

  2. 30 days if the intended return journey is prevented due to injury or illness arising from a cause covered under this policy.

 COVERED
36 TRAVEL DELAY

We will pay the Insured Person RM150 for every six (6) consecutive hours delay and after the first 24 hours, RM100 every four (4) hours delay thereafter up to the limit stated in the schedule of benefits.

 Up to RM3,000 Up to RM7,500 Up to RM6,000 Up to RM15,000 Up to RM6,000

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