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| Personal Insurance | Travel Insurance

Travel Ins.

TRAVEL INSURANCE

SmartTraveller

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.

SUMMARY OF BENEFIT	LIMIT PER PERSON/ EVENT	SUM INSURED (RM)
SUMMARY OF BENEFIT	LIMIT PER PERSON/ EVENT	VIP PLAN		CLASSIC PLAN
1. PERSONAL ACCIDENT		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 75,000 300,000 300,000	300,000 75,000 300,000 300,000 900,000	100,000 25,000 100,000 100,000	100,000 25,000 100,000 100,000 300,000
2. CHILD EDUCATION FUND
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 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
Subject to Medical, Hospital & Other Expenses limit
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
Pays you for each full day you are quarantined (RM200 per day)	Per adult/child Per family	2,000	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 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 child	7,500	7,500 22,500	N/A	N/A
9. BAGGAGE DELAY
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
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, provided that the insurance is purchased within seven (7) days of the full payment of your trip	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
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 9,000	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
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
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
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
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
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

VIP Plan - covers items 1 to 23

DAYS	AREA 1		AREA 2		AREA 3
DAYS	Individual (RM)	Family (RM)	Individual (RM)	Family (RM)	Individual (RM)	Family (RM)
1 to 5	32	80	44	110	55	138
6 to 10	48	121	65	162	88	220
11 to 18	66	165	99	248	128	319
19 to 31	80	200	119	297	177	443
Each additional week thereafter	20	50	33	83	44	110

Classic Plan only covers items 1, 3 (excluding 3c) & 6

Days	AREA 1		AREA 2		AREA 3
Days	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, India, Indonesia, Japan, Korea, Laos, Myanmar, New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand, Vietnam and within Malaysia.
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).

Area 2: Worldwide excluding USA/Canada

Area 3: Worldwide including USA/Canada

Special Coverage
Terrorism, scuba diving and winter sports are covered.

24-hour AXA Travel Assistance Hotline - (603) 7628 3636
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!

If you like to know more, please send an Enquiry or Contact Us at any of our AXA Agents or you may download, complete and fax the Proposal Form to 03-2031 7282

Click here to read our SmartTraveller Policy Wording.

Or to directly download and save the document into your system, just right-click on this link and choose "Save Target As..." (for IE browser) or "Save Link As..." (for Netscape).

The Product Disclosure Sheet is for general information only and is valid as at 03.09.2010

Please note that you will need Acrobat Reader in order to view this PDF (Portable Document Format) document. To download the FREE Acrobat Reader from Adobe site, simply click on the following link:

Download Acrobat Reader

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 aged below 18 years old or up to 23 years old, if he/she is a full time student in a recognised institution of higher learning.

What is the maximum age limit?
As long as you are below 80 years old, you are eligible to enrol. For family plan, a child must be below 18 years old or up to 23 years old, if he/she is a full time student in a recognised institution of higher learning.

Can a child buy a separate Individual Plan even if he is accompanied by an insured adult?
Yes, 50% of the individual plan premium will be charged for him.

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 1,014 billion euros in assets under management and more than 96 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.

SmartTraveller Annual

	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.

SUMMARY OF BENEFITS	SUM INSURED / LIMIT OF LIABILITY PER PERSON (RM)
	PLATINUM PLAN	GOLD PLAN
1. PERSONAL ACCIDENT ^ENHANCED
Accidental death Permanent total disablement Loss of one limb or loss of sight of one or both eyes	500,000 500,000 250,000	250,000 250,000 125,000
2. CHILD EDUCATION FUND ^NEW
Pays as a result of Accidental Death of Insured Person who has any Children for their education fund	20,000	10,000
3. MEDICAL & OTHER EXPENSES
(a) Medical, Hospital & Other Expenses Reimburses expenses (including cost of emergency dental treatment) incurred during accident or sickness	300,000	200,000
(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	8,000	5,000
Subject to Medical, Hospital & Other Expenses limit
(c) Alternative Medicine ^NEW Reimburses medical expenses for traditional chinese medicine, osteopath, physiotheraphy and chiropractor	1,000	500
Subject to Medical, Hospital & Other Expenses limit
(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 expenses for one relative or friend to assist in the burial or cremation arrangements in the locality where death occurs	8,000	5,000
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 8,000	500 5,000
Subject to Medical, Hospital & Other Expenses limit
(f) Medical Treatment in Malaysia Reimburses for follow-up treatment within 90 days upon return to Malaysia	30,000	20,000
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)	21,000	10,500
5. QUARANTINED COVER AS A RESULT OF PANDEMIC INFLUENZA ^NEW
Pays you for each full day you are quarantined (RM200 per day)	3,000	2,000
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	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	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	Unlimited	Unlimited
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).	7,500	5,000
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	7,500	5,000
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	1,600	800
10. TRAVEL DELAY ^ENHANCED
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 8 consecutive hours thereafter) Cancellation due to the delay Reimburses for irrecoverable deposits/charges paid for the cancelled parts of the trip	3,200 500	2,000 500
11. LOSS OF DEPOSIT OR CANCELLATION
Reimburses for irrecoverable travel and accommodation expenses paid in advance.	20,000	20,000
12. TRAVEL CURTAILMENT
Reimburses for proportional return of irrecoverable prepaid costs incurred, if it is necessary & unavoidable to curtail your trip	20,000	20,000
13. TRAVEL OVERBOOKED ^ENHANCED
Pays due to overbooked common carrier and no alternative transportation is made available to you within 6 hours of the scheduled departure time	400	200
14. TRAVEL MISCONNECTION
Pays due to common carrier misconnection and no alternative transportation is made available to you within 4 hours	500	300
15. HIJACKING INCONVENIENCE ^ENHANCED
Pays for each full 24 consecutive hours of hijack (RM1,000/ 24 hours)	10,000	10,000
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 you to the departure port, airport or train station, as stated in your ticket	2,000	1,000
17. TRAVEL REROUTE ^ENHANCED
Pays if the arrival of the scheduled public conveyance is delayed for at least 6 hours due to rerouting	500	250
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	20,000	10,000
19. LOSS OF CREDIT CARD ^NEW
Pays you for fraudulent usage of your credit card	10,000	5,000
20. PERSONAL LIABILITY
Indemnifies you for legal liability towards third parties or damage to their property due to your negligence	1 million	1 million
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	5,000	5,000
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	1,000	1,000
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	200,000	100,000
24. REPLACEMENT TRAVELLER ^NEW
Reimburses administrative costs incurred to replace a travel companion due to your hospitalization within 7 days before the commencement of the trip	5,000	3,000
25. GOLF EQUIPMENT COVER ^NEW
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 you in a public place	5,000	2,000

TYPES OF PLAN	AREA 1	AREA 2	AREA 3
PLATINUM (RM)	290	338	398
GOLD (RM)	220	260	320

Travel from Malaysia to:
Area 1: Australia, Brunei, Cambodia, China (excluding Mongolia, Nepal & Tibet), Hong Kong, India, Indonesia, Japan, Korea, Laos, Myanmar, New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand, Vietnam and within Malaysia.

Domestic travel (by flight only) within Peninsular Malaysia or East Malaysia is covered under Sections 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.

Area 2: Worldwide excluding USA/Canada

Area 3: Worldwide including USA/Canada

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

24-hour AXA Travel Assistance Hotline - (603) 7628 3636
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!

If you like to know more, please send an Enquiry or Contact Us at any of our AXA Agents or you may download, complete and fax the Proposal Form to 03-2031 7282

Click here to read our SmartTraveller Annual Policy Wording.

Or to directly download and save the document into your system, just right-click on this link and choose "Save Target As..." (for IE browser) or "Save Link As..." (for Netscape).

The Product Disclosure Sheet is for general information only and is valid as at 03.09.2010

Please note that you will need Acrobat Reader in order to view this PDF (Portable Document Format) document. To download the FREE Acrobat Reader from Adobe site, simply click on the following link:

Download Acrobat Reader

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?
From 18 years old and below 70 years old

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 AXA Affin General Insurance Berhad?
AXA Affin General Insurance Berhad is a member of the AXA Group, with over 1,014 billion euros in assets under management and more than 96 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.

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