Smart Traveller

Travel with confidence, wherever your destination

You can start your trip without any insurance and thus self insure. But did you know that if you become ill abroad, costs to treat you would be very high. How would you find a doctor? Where would you find appropriate healthcare facility? Where would you seek advice?

SmartTraveller can make your travelling a ‘no worries’ event. Customised to your lifestyle, it will protect you and your loved ones against the unpredictable future. It comes with immediate activation, comprehensive coverage and 24 hour emergency assistance wherever you are in the world. You can choose between the VIP and Classic Plans or enjoy greater savings under the Family Plan when you travel with your loved ones.


Table of Benefits

Summary of Benefit Limit Per Person / Event SUM Insured
VIP Plan Classic Plan
Individual Family Individual Family
Personal Accident
Accidental Death Per adult
Per child
RM300,000
RM75,000
RM300,000
RM75,000
RM100,000
RM25,000
RM100,000
RM25,000
Permanent total Disablement Loss of one limb or loss of sight of one or both eyes Per adult
Per child
Maximum Per family
RM300,000
RM300,000
-
RM300,000
RM300,000
RM900,000
RM100,000
RM100,000
-
RM100,000
RM100,000
RM300,000
Child Education Fund
Pays as a result of Accidental death of Insured Person who has any children for their education fund Per event RM10,000 RM10,000 N/A N/A
Medical & Other Expenses
Medical, Hospital & other Expenses
Reimburses expenses (including cost of emergency dental treatment) incurred during accident or sickness
Age:
Up to 70 years
Above 70 years
Per family

RM300,000
RM150,000

RM300,000
RM150,000
RM900,000

RM50,000
RM25,000

RM50,000
RM25,000
RM150,000
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
Per adult / child
Per family
RM7,500
-
RM7,500
RM22,500
RM5,000
-
RM5,000
RM15,000
Subject to Medical, Hospital & Other Expenses Limit
Alternative Medicine
eimburses medical expenses for traditional Chinese medicine, osteopath, physiotheraphy and chiropractor
Per adult/child
Per family
1,000 1,000
3,000
N/A N/A
Compassionate Visitation Benefit (due to the Insured Person’s death)
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
Per adult / child
Per family
RM7,500 RM7,500
RM22,500
RM5,000 RM5,000
RM15,000
Child Care Benefit
Pays for additional expenses of one relative or friend required on medical advice to travel or remain behind with you
Per day
Per event
RM500
RM5,000
RM500
RM15,000
RM500
RM5,000
RM500
RM15,000
Medical Treatment in Malaysia
Reimbursement for follow-up treatment within 3 months upon return to Malaysia
Age:
Up to 70 years
Above 70 years
Per family

RM30,000
RM15,000

RM30,000
RM15,000
RM90,000

RM10,000
RM5,000

RM10,000
RM5,000
RM30,000
Emergency Medical Repatriation
In an event that the Insured Person is hospitalised abroad and it is medically necessary for the insured person 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 Person.
Above 70 years
Per family
Unlimited Unlimited Unlimited Unlimited
Emergency Medical Evacuation/Repatriation
Emergency transportation and medical care en route to move you (in a medical critical condition) to the nearest hospital
Per event Unlimited Unlimited Unlimited Unlimited
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 adult / child
Per family
Unlimited
-
Unlimited
Unlimited
RM5,000
-
RM5,000
RM15,000
Hospital Allowance
Pays for each complete day you are confined in a hospital on top of medical costs incurred (RM350 per day) Per adult / child
Per family
RM10,500
-
RM10,500
RM31,500
-
-
-
-
Travel Inconvenience
Baggage and Personal Effects
Pays for loss of or damage to your baggage, including articles worn or carried (up to RM500 for any one article or pair or set of articles)
Per adult / child
Per family
RM7,500
-
RM7,500
RM22,500
-
-
-
-
Personal Money & Documents
Loss of money due to theft is covered up to RM800 Loss of travel documents up to RM5,000
Per adult / child
Per family
RM7,500
-
RM7,500
RM22,500
-
-
-
-
 
Baggage Delay
Reimburses for purchase of essential items if your baggage is delay for 8 consecutive hours
Per adult / child
Per family
RM800
-
RM800
RM2,400
-
-
-
-
Travel Delay
Pays if your 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)
Per adult / child
Per family
RM3,200
-
RM3,200
RM9,600
-
-
-
-
Cancellation due to the delay
Reimburses for irrecoverable deposits or charges paid for the cancelled parts of the trip due to the above
Per adult / child
Per family
RM500
-
RM500
RM1,500
-
-
-
-
Loss of Deposit or Cancellation
Reimburses for unrecoverable travel and accommodation expenses paid in advance, provided that the insurance is purchased within seven (7) days of the full payment of your trip.
Per adult / child
Per family
RM20,000
-
RM20,000
RM60,000
-
-
-
-
Travel Curtailment
Reimburses for proportional return of irrecoverable prepaid costs incurred, if it is necessary & unavoidable to curtail your trip
Per adult / child
Per family
RM20,000
-
RM20,000
RM60,000
-
-
-
-
Travel Overbooked
Pays due to overbooked common air carrier and no alternative transportation is made available to you. (RM200 for every 6 consecutive hours thereafter)
Per adult / child
Per family
RM3,000
-
RM3,000
RM9,000
-
-
-
-
Travel Misconnection
Pays due to common air carrier misconnection and no alternative transportation is made available to you within 4 hours.
Per adult / child
Per family
RM200
-
RM200
RM600
-
-
-
-
Hijacking Inconvenience
Pays for each full 24 consecutive hours of hijack (RM1,000/ 24 hours)
Per adult / child
Per family
RM10,000
-
RM10,000
RM30,000
-
-
-
-
Home Care Benefit
Pays for your damages to your home contents as a result of fire when your house is left vacant while you are traveling
Per adult / child
Per family
RM5,000
-
RM5,000
RM15,000
-
-
-
-
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 you to the departure port, airport or train station, as stated in your ticket
Per adult / child
Per family
RM2,000
-
RM2,000
RM6,000
-
-
-
-
Travel Reroute
Pays if the arrival of the scheduled public conveyance is delayed for at least 6 hours due to rerouting
Per adult / child
Per family
RM200
-
RM200
RM600
-
-
-
-
Loss of Deposit due or Full payment due to Insolvency of airlines
In the event that before or on the departure date of your booked trip, the airline from where you purchased your air tickets has absconded or is declared insolvent, we will reimburse you for the loss or irrecoverable full payment paid for the air tickets
Per adult / child
Per family
RM5,000
-
RM5,000
RM15,000
-
-
-
-
Loss of Credit Card
Pays you for fraudulent usage of your credit card
Per adult / child
Per family
RM5,000
-
RM5,000
RM15,000
-
-
-
-
Rental Car Excess Cover
Pays for any excess/deductible which you became legally liable to pau in respect of loss or damage to rental vehicle during the rental period
Per adult / child
Per family
RM1,000
-
RM1,000
RM3,000
-
-
-
-
Personal Liability
Indemnifies you for legal liability towards third parties or damage to their property due to your negligence
Per adult / child
Per family
1 million
-
1 million
3 million
-
-
-
-
Ransom payment as a result of kidnapping and hostage
Pays for the ransom payment as a result of kidnapping and hostage outside Malaysia
Per adult / child
Per family
RM100,000
-
RM100,000
RM300,000
-
-
-
-

Table of Premium

VIP Plan

Days Area 1 Area 2 Area 3>
Individual Family Individual Family Individual Family
1 to 5 RM35 RM88 RM50 RM125 RM64 RM160
6 to 10 RM52 RM130 RM74 RM185 RM96 RM240
11 to 18 RM78 RM195 RM112 RM280 RM143 RM358
19 to 31 RM98 RM245 RM140 RM350 RM183 RM458
Each additional week thereafter RM23 RM58 RM32 RM80 RM44 RM110

Classic Plan

Days Area 1 Area 2 Area 3>
Individual Family Individual Family Individual Family
1 to 5 RM17 RM41 RM25 RM60 RM31 RM76
6 to 10 RM26 RM62 RM36 RM84 RM49 RM116
11 to 18 RM36 RM91 RM53 RM125 RM71 RM167
19 to 31 RM43 RM131 RM69 RM175 RM103 RM239
Each additional week thereafter RM14 RM30 RM22 RM50 RM28 RM70

Travel from Malaysia to:

Area 1: Australia, Singapore, Brunei, Thailand, Indonesia, Philippines, Myanmar, Cambodia, Laos, China(excluding Mongolia, Nepal & Tibet), India, Japan, South Korea, Pakistan, Sri Lanka, Taiwan, Vietnam, Hong Kong or Macau and within Malaysia

Area 2: Worldwide excluding USA/Canada

Area 3: Worldwide including USA/Canada

For Domestic travel within Malaysia (other than between East Malaysia and West Malaysia and vice versa) coverage under this policy is limited to Section 1, Section 3a, (due to accidental causes only) and Section 3f (upon return from trip).

  • Special Coverage
    Terrorism (except use of chemical and or biological substances), scuba diving and winter sports are covered.
  • 24-hour AXA Travel Assistance Hotline - (603) 21420399
    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!

For more information, please call us at 03-2055 9733 or 03-2731 5338 or you may download, complete and fax the Proposal Form to 03-2026 4675.

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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