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Online Travel Insurance Malaysia

 
SmartTraveller is designed the way travellers want a travel insurance to be - 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.
 
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Brochure
Click to read/download our product brochure

Product Disclosure Sheet
Click to read/download our product disclosure sheet

The Product Disclosure Sheet is for general information only and is valid as at 24/04/2014

SmartTraveller travel insurance is designed the way travellers want a travel insurance to be - 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 benefit

 
SUMMARY OF BENEFIT
LIMIT PER
PERSON/
EVENT
SUM INSURED (RM)
VIP PLAN CLASSIC PLAN
1. PERSONAL ACCIDENT ENHANCED
Individual Family Individual Family
» Accidental Death
 
 
» Permanent Total Disablement
 
» Loss of one limb or loss of
   sight of one
 
Maximum per family
Per adult
Per child
300,000
300,000
 
300,000
 
300,000
300,000
75,000
 
300,000
 
300,000
 
 
900,000
100,000
100,000
 
100,000
 
100,000
100,000
25,000
 
100,000
 
100,000
 
 
300,000
2. CHILD EDUCATION FUND NEW
Pays as a result of Accidental Death of Insured Person who has has any Children for their education fund Per event 10,000 10,000 N/A N/A
3. MEDICAL & OTHER EXPENSES
a) 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

300,000

150,000

300,000

150,000

900,000

50,000

25,000

50,000

25,000

150,000
b) Compassionate Visitation Benefit (due to hospitalisation 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
7,500 7,500

22,500
5,000 5,000

15,000
Subject to Medical, Hospital & Other Expenses limit
c) Alternative Medicine NEW
Reimburses 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
d) 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 expense for one relative or friend to assist in the burial or cremation arrangements in the locality where death occurs
Per adult/child

Per family
7,500 7,500

22,500
5,000 5,000

15,000
Subject to Medical, Hospital & Other Expenses limit
e) Child Care Benefit
Pays for additional expenses of one relative or friend to take care of your children whilst you are hospitalised and the cost of a return trip economy class ticket
Per day

Per event
500

5,000
500

15,000
500

5,000
500

15,000
Subject to Medical, Hospital & Other Expenses limit
f) Medical Treatment in Malaysia
Reimburses for follow-up treatment within 90 days upon return to Malaysia
Age:
Up to 70 years

Above 70 years

Per family

30,000

15,000

30,000

15,000

90,000

10,000

5,000

10,000

5,000

30,000
Subject to Medical, Hospital & Other Expenses limit
4. 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
10,500 10,500

31,500
N/A N/A
5. QUARANTINED COVER AS A RESULT OF PANDEMIC INFLUENZA NEW
Pays you for each full day you are quarantined (RM200 per day) Per adult/child

Per family
6,000 2,000

6,000
N/A N/A
6. EMERGENCY MEDICAL EVACUATION & REPATRIATION
a) Emergency Medical Evacuation
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
b) 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
Per event Unlimited Unlimited Unlimited Unlimited
c) Repatriation of Mortal Remains ENHANCED
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 5,000 5,000

15,000
TRAVEL INCONVENIENCES
7. 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
7,500 7,500

22,500
N/A N/A
8. PERSONAL MONEY & DOCUMENTS
Pays 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 Per adult/child

Per family
7,500 7,500

22,500
N/A N/A
9. BAGGAGE DELAY ENHANCED
Pays if your checked-in baggage is delayed for each full 6 consecutive hours (RM200 for every 6 hours) upon arrival at your destination abroad Per adult/child

Per family
800 800

2,400
N/A N/A
10. TRAVEL DELAY ENHANCED
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

Per adult/child

Per family





Per adult/child

Per family
3,200







500
3,200

9,600





500

1,500
N/A







N/A
N/A







N/A
11. LOSS OF DEPOSIT OR CANCELLATION
Reimburses for irrecoverable travel and accommodation expenses paid in advance Per adult/ child

Per family
20,000

 

20,000

60,000
N/A N/A
12. 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
20,000

 

20,000

60,000
N/A N/A
13. TRAVEL OVERBOOKED ENHANCED
Pays due to overbooked common carrier and no alternative transportation is made available to you. (RM200 for every 6 consecutive hours thereafter) Per adult/ child

Per family
3,000 3,000

3,000
N/A N/A
14. TRAVEL MISCONNECTION
Pays due to missed connection and no alternative transportation is made available to you within 4 hours Per adult/ child

Per family
200

 

200

600
N/A N/A
15. HIJACKING INCONVENIENCE ENHANCED
Pays for each full 24 consecutive hours of hijack (RM1,000/ 24 hours)  Per adult/ child

Per family
10,000 10,000

30,000
N/A N/A
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 you to the departure port, airport or train station, as stated in your ticket Per adult/ child

Per family
2,000

 

2,000

6,000
N/A N/A
17. TRAVEL REROUTE ENHANCED
Pays if the arrival of the scheduled public conveyance is delayed for at least 6 hours due to rerouting Per adult/ child

Per family
200

 

200

600
N/A N/a
18. LOSS OF DEPOSIT OR FULL PAYMENT DUE TO INSOLVENCY OF AIRLINES NEW
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 of irrecoverable full payment paid for the air tickets Per adult/ child

Per family
5,000

 

5,000

15,000
N/A N/A
19. LOSS OF CREDIT CARD NEW
Pays you for fraudulent usage of your credit card Per adult/ child

Per family
5,000 5,000

15,000
N/A N/A
20. 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
N/A N/A
21. HOME CARE BENEFIT
Pays for damages to your home contents as a result of burglary or fire when your house is left vacant while you are travelling Per adult/ child
Per family
5,000 5,000

15,000

N/A N/A
22. RENTAL CAR EXCESS COVER
Pays for any excess/deductible which you become legally liable to pay in respect of loss or damage to rental vehicle during the rental period Per adult/ child
Per family
1,000 1,000

3,000

N/A N/A
23. RANSOM PAYMENT AS A RESULT OF KIDNAPPING AND HOSTAGE NEW
Pays for the ransom payment as a result of kidnapping and hostage outside Malaysia Per adult/ child

Per family
 
100,000 100,000

300,000
N/A N/A

 

Table of travel insurance premium

VIP Plan - covers items 1 to 23

 
DAYS
AREA 1 AREA 2 AREA 3
Individual
(RM)
Family
(RM)
Individual
(RM)
Family
(RM)
Individual
(RM)
Family
(RM)
1 to 5 35 88 50 125 64 160
6 to 10 52 130 74 185 96 240
11 to 18 78 195 112 280 143 358
19 to 31 98 245 140 350 183 458
Each additional week thereafter 23 58 32 80 44 110
 
Classic Plan only covers items 1, 3 (excluding 3c) & 6
 
DAYS
AREA 1 AREA 2 AREA 3
Individual
(RM)
Family
(RM)
Individual
(RM)
Family
(RM)
Individual
(RM)
Family
(RM)
1 to 5 17 41 25 60 31 76
6 to 10 26 62 36 84 49 116
11 to 18 36 91 53 125 71 167
19 to 31 43 131 69 175 103 239
Each additional week thereafter 14 30 22 50 28 70
 
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.

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, 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 reverse charge 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.

Policy wording
Click to read/download our policy wording.

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.
  •  Who is eligible to apply
     All Malaysians, Permanents Residents, Employments Pass/Work Permit Holders and Dependents(s) 
     of Pass Holders.
 
  • 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 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.
 
  • What is the age limit?
    You must be between 18 and 79 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 recognised institution of higher learning.
 
  •  Is there a maximum period of cover?
     The maximum period of cover is 190 days.
 
  •  Under what circumstances is an applicant allowed to take up a 'One Way' trip?
     It is only applicable to those who are emigrating or students going overseas for education. For 'One
     Way' trip cover, arrival at final destination must be completed within 31 days [including any stopover(s)].
 
  •  When will my insurance terminate on a 'One Way Trip?
     The 'One Way' trip will terminate 72 hours (3 days) from the scheduled time of arrival at the final
     destination.
 
  •  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.
Proposal Form
Download the proposal form, complete it and fax it back to us at 603-2031 7282
 
Buy Online 
You can now purchase  SmartTraveller travel insurance online. 
 
travel insurance malaysia buy online

 

Should you need more information or help, you can send us an Enquiry. You can also Contact Us or any AXA agent.

Need Help?
 Tel: (603) 2170 8282
 Fax: (603) 2031 7282
 Email:Customer Service
Ground Floor, Wisma Boustead,
71 Jalan Raja Chulan,
50200 Kuala Lumpur

Click Here
for Other Branches
Monday to Thursday
8.30am to 5.15pm

Friday
8.30am to 4.45pm
(Excluding public holidays)