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SmartTraveller
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
 
Permanent Disablement
Per adult
Per child
Per family
 
Per adult
Per child
Per family
RM200,000
RM25,000
-
 
RM200,000
RM200,000
-
RM200,000
RM25,000
RM450,000
 
RM200,000
RM200,000
RM450,000
RM100,000
RM10,000
-
 
RM100,000
RM100,000
-
RM100,000
RM10,000
RM220,000
 
RM100,000
RM100,000
RM220,000
MEDICAL & OTHER EXPENSES
Medical, Hospital & Treatment Expenses
Reimburses expenses (including cost of emergency dental treatment) incurred during accident or sickness
Per adult / child
Per family
RM300,000
-
RM300,000
RM900,000
RM50,000
-
RM50,000
RM150,000
Excess each and every claim: Area 1 - RM50 Area 2 & 3 - RM100
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
RM5,000
-
RM5,000
RM15,000
RM5,000
-
RM5,000
RM15,000
Subject to Medical, Hospital & Treatment Expenses limit
Compassionate Visitation Benefit
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
RM5,000
-
RM5,000
RM15,000
RM5,000
-
RM5,000
RM15,000
Subject to Medical, Hospital & Treatment Expenses limit
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
Subject to Medical, Hospital & Treatment Expenses limit
Follow-up Treatment
Reimbursement for follow-up treatment within 3 months upon return to Malaysia
Per adult / child
Per family
RM30,000
-
RM30,000
RM90,000
RM30,000
-
RM30,000
RM90,000
Subject to Medical, Hospital & Treatment Expenses limit
Emergency Medical Evaluation/
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
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
RM5,000
-
RM5,000
RM15,000
-
-
-
-
Excess each and every claim: RM50
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
RM5,000
-
RM5,000
RM15,000
-
-
-
-
Excess each and every claim: RM50
Baggage Delay
Reimburses for purchase of essential items if your baggage is delay for 8 consecutive hours
Per adult / child
Per family
RM700
-
RM700
RM2,100
-
-
-
-
Personal Liability
Indemnifies you for legal liability towards third parties or damage to their property due to your negligence
Per adult / child
Per family
RM1 Million
-
RM1 Million
RM3 Million
-
-
-
-
Travel Delay
Pays if your conveyance is delayed from the scheduled departure time for each full 8 consecutive hours delay (RM200 for first 8 hours delay and RM300 for every 8 consecutive hours thereafter)
 
Reimburses on top of the above limits for irrecoverable deposits or charges paid for the cancelled parts of the trip due to the above
Per adult / child
Per family
 
 
Per adult / child
Per family
RM3,200
-
 
 
RM500
 
RM3,200
RM9,600
 
 
RM500
RM1,500
-
-
 
 
-
-
-
-
 
 
-
-
Loss of Deposit or Cancellation
Reimburses for unrecoverable travel and accommodation expenses paid in advance. Cover is effective upon issuance of certificate
Per adult / child
Per family
RM20,000
-
RM20,000
RM60,000
-
-
-
-
Curtailment
Reimburses for forfeited prepaid travel cost or additional travel and accommodation expenses incurred, if it is necessary and unavoidable to curtail your trip
Per adult / child
Per family
RM20,000
-
RM20,000
RM60,000
-
-
-
-
Overbooked Flight
Reimburses for expenses incurred for additional accommodation, meals or refreshments
Per adult / child
Per family
RM200
-
RM200
RM600
-
-
-
-
Flight Misconnection
Reimburses for expenses incurred for additional accommodation, meals or refreshments
Per adult / child
Per family
RM200
-
RM200
RM600
-
-
-
-
Hijacking Inconvenience
Pays for each full 24 consecutive hours of hijack (RM300/ 24 hours)
Per adult / child
Per family
RM900
-
RM900
RM2,700
-
-
-
-
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
RM1,000
-
RM1,000
RM3,000
-
-
-
-
Missed Departure
Per adult / child
Per family
RM1,000
-
RM1,000
RM3,000
-
-
-
-
Rerouting of Flight
Per adult / child
Per family
RM200
-
RM200
RM600
-
-
-
-
Rental Car Excess Cover
Per adult / child
Per family
RM1,000
-
RM1,000
RM3,000
-
-
-
-

Table of Premium

VIP Plan

Days
Area 1
Area 2
Area 3
Individual
Family
Individual
Family
Individual
Family
1 to 5
RM29
RM69
RM40
RM99
RM50
RM130
6 to 10
RM44
RM107
RM59
RM139
RM80
RM194
11 to 18
RM60
RM167
RM90
RM229
RM116
RM300
19 to 31
RM70
RM218
RM108
RM320
RM161
RM415
Each additional week thereafter
RM18
RM40
RM30
RM75
RM40
RM100