Smart Traveller Annual

Travel with confidence, wherever your destination

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.


Table of Benefits

Summary of Benefits SUM Insured
LIMIT OF LIABILITY (RM)
Individual Plan Family Plan
New
Platinum Plan Gold Plan
1. Personal Accident
Accidental Death Adult
Child
500,000
500,000
500,000
250,000
250,000
250,000
250,000
125,000
500,000
75,000
500,000
250,000
Permanent total Disablement Loss of one limb or loss of sight of one or both eyes Maximum
Payable Per Family
N/A N/A 1,500,000
2. Child Education Fund
Pays as a result of Accidental death of Insured Person 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
Reimburses medical expenses for traditional Chinese medicine, osteopath, physiotheraphy and chiropractor
Adult/child
Maximum Payable Per Family
1,000
N/A
5000
N/A
1,000
3,000
Subject to Section 3A – Medical Expenses limit

(C) Compassionate Visitation Benefit

Due to the hospitalization of the Insured Person)
Pays for additional expenses of one relative
or friend required on medical advice to travel
or
remain behind with you

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
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.

Area 3: Worldwide including USA / Canada.

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.

  • Special Coverage

Terrorism, scuba diving and winter sports are covered without additional premium.

  • 24-hour AXA Travel Assistance Hotline - (603) 2142 0399

Medical and emergency assistance hotline is available for you to call on reverse charge through international operator anywhere in the world - we are just a phone call away!

If you would like to know more, please send an Enquiry or Contact Us

  • Automatic Renewal

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.


Frequently Asked Questions

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  and 18 years old (both ages inclusive) or up to 23 years old, if he/she is studying full-time in a recognized 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 of insurance stated in the Certificate of Insurance.

Who is eligible to be covered under Family Plan?

The Family Plan includes you, your spouse and all  your accompanying children between 30 days and 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 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 insurers. In Malaysia, it is also a member of the Affin Group, a leader in Malaysia’s financial services sector.

If you like to know more, please Contact us at 03-2055 9733 or 03-2731 5338/ 5384 or you may download, complete and fax the Proposal Form to 03-2026 4090.

Please click the following for more information on:

Retail Internet Banking

Corporate Internet Banking

Contact Us

Call Centre
03-5522 3000

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