travel-insurance-pds.pdf (283.4 KB)
travel-direct-policywording.pdf (1.45 MB)
travel-direct-brochure.pdf (2.11 MB)
Plan and set your holiday destination
Time to set your next holiday destination! Add these gems in Malaysia to your travel list based on your holiday interests.
From beautiful islands, green jungles, cultural towns to fun amusement parks, wherever you choose to travel, be protected with AIG Domestic Travel Insurance.
Looking for some fun under the sun? Take a dive at beautiful beach spots like Pangkor Island (Perak), Gaya Island (Sabah), Sematan Beach (Sarawak) and more.
Enjoy calming green scenery? Be surrounded with the breathtaking views of mountains, caves and rainforests at Taman Negara (Pahang), Seven Wells Waterfall (Kedah), Gua Tempurung (Perak) and more.
Fascinated with history, food and activities in cultural towns? Set your sights on UNESCO World Heritage Sites of historical Melaka town and Georgetown, Penang for your next vacation.
Want some fun family bonding time? Theme parks are everywhere in Malaysia. There’s Legoland (Johor), Bukit Gambang Safari (Pahang), Lost World of Tambun (Perak) and more.
Travel Insurance Overview
Let us ''Jaga'' your travel experiences with AIG Travel Insurance, your trusted travel buddy.
We let you enjoy your trip with a peace of mind by giving you comprehensive travel insurance coverage. You don’t have to worry about medical expenses incurred as a result of an accident or illness, trip cancellations, flight delays, lost baggage because all this and more are covered by us.
Our most popular features include
24Hours, 7 Days Worldwide Travel Assistance
reimbursement up to RM1 million (including cashless hospital admission)
lump sum payment up to RM300,000
up to RM25,000
* Coverage differs according to product & plan.
* Coverage differs according to product & plan.
AIG has your back when you're in trouble overseas.
Safeguard yourself with AIG Travel Insurance to enjoy hassle-free medical care and cashless hospital admission if ever an unforeseen circumstance presents itself. We’ll also bring you back home if an emergency medical condition occurs.
Inspired by a true story, watch to find out how AIG Travel helped this Malaysian man with a fractured hip get back home safely.
Let us Jaga you on your trip anytime, anywhere!
We'll Jaga you if you fall sick.
We'll Jaga you if it gets stolen.
We'll Jaga you if you get into accidents.
24-Hour Emergency Travel Assistance
To contact Travel Guard from anywhere in the world, call:
+60 3 2772 5600
Note : Reverse charges calls can be made from some countries.
AIG Malaysia Travel Insurance Update – Novel Coronavirus Outbreak
An outbreak of respiratory infections was first seen in early December 2019 in Wuhan, Hubei Province, China. On 7 January 2020, this outbreak was identified as being caused by Coronavirus (COVID-19). On 30 January, the World Health Organization (WHO) declared a global health emergency, and on March 11, WHO declared COVID-19 a pandemic.
Following announcements made by the respective Ministries in Malaysia and the World Health Organisation (WHO), AIG Malaysia is treating this Event as known and foreseen:
1. Effective January 23, 2020, for travels to Mainland China.
2. Effective February 27, 2020, for travels to countries other than Mainland China.
No cover will be provided for losses or damages in connection with the Coronavirus Outbreak unless your policy was issued or travel arrangements were confirmed prior to the above mentioned dates.
AIG Malaysia will continue to assess all claims based on the merits of each case. Whether coverage applies will depend on the following factors (including but not limited to):
a) Terms and conditions of the policy purchased;
b) Date policy is purchased;
c) Date travel arrangements are finalised; and
d) Country of destination.
For Policy Enquiries & Confirmation of Policy Details:
Contact AIG Travel Customer Service Centre: 1800 88 8811 (9am to 5pm, Monday to Friday, excluding Public Holidays)
For Emergency Assistance, please contact our team on +603 2772 5600 at any time.
Travel Insurance is a comprehensive insurance plan for domestic and overseas travel. The major benefits provided are medical related benefits, personal accidents benefits, travel inconvenience & other travel-related benefits and 24-hours worldwide travel assistance. Additionally, you can choose to purchase our optional rider benefit which extends your coverage to include your golfing equipments and your participation in special sports such as winter sports activities & scuba diving.
The premium varies depending on your choice of plan, destination and duration of cover selected. Premiums are inclusive of Service Tax (ST) of 6% and is applicable for Domestic trips.
You can buy your Travel Insurance in any of the following method:
- Buy online on our website; or
- Locate & contact an agent to buy
An individual who travels domestically within Malaysia or overseas for the purpose of leisure and/or business. However, we do not cover directly or indirectly from planned or actual travel in, to or through Cuba, Iran, Syria, North Korea or Crimea Region. Any residents of Cuba, Iran, Syria, North Korea or the Crimea region will not allowed to purchase this policy.
Importance of disclosure:
- You must disclose all material facts which will affect the risk profile such as your age and occupation.
- Any fraud, deliberate misrepresentation of material facts or non-disclosure of information in connection with the application for this policy or when making a claim will invalidate the policy and any benefit due will be forfeited and any benefit that has previously been paid must be repaid to us in full.
- Travel Cancellation Per Trip plan – 24 hours from the purchase of the policy, unless due to an accident in which cover commences from the policy purchase date. Annual plan – 24 hours from the purchase of the policy or after travel is booked whichever occurs later, unless due to an accident in which cover commences from the travel booking date. Cancellation of a scheduled trip due to death, permanent total disablement or hospitalization must occur within 60 days prior to your original scheduled departure and for other covered events, it must occur within 14 days prior to your original scheduled time of departure.
- Travel Delay and Accidental Death & Disablement within 12 hours prior to departure from Malaysia.
- All other benefits upon departure from Malaysia.
Yes. For one-way travel, coverage terminates 5 days upon your departure from Malaysia.
If you are covered by more than one policy, we will cover you based on the policy which provides the highest benefit level.
Our Special Sports rider (optional) extends your coverage if you choose to participate in winter sporting activities & scuba diving (up to 30m), with the proper conduct, guidance and supervision by a licensed operator.*
*Does not involve engaging, practicing or participating in a semi-professional or in a professional capacity or where income or remuneration can be earned from in such sports.
Sum insured listed in the schedule of benefit is payable based on per incident.
Please call our 24 Hours, 7 Days worldwide travel assistance at +603-2772 5600.
You may reverse charge the call where this service is available.
If you are unable to do so during an emergency, seek treatment first, and contact our worldwide travel assistance at +603-2772 5600 as soon as possible.
It refers to the legal spouse, child, parent and their siblings, parent-in-law, grandparent, grandparent-in-law, grandchild, sibling, sibling-in-law, niece or nephew of the insured.
If you are traveling to multiple destinations within the same trip, you can be covered under one policy.
No refund of premium is allowed once the policy has been incepted.
It takes 30 working days to process a claim, upon receiving complete documentation and provided that there is no further information or investigation required.
Lodge a report and seek compensation from the airline. You may file in your claim for the loss not compensated by the airline.
No. We do not cover any pre-existing condition occurring within 1 year prior to the policy effective date.
Yes. If you suffer from a disability while travelling on an overseas trip and subsequently seek follow-up treatment in Malaysia, we will reimburse the medically necessary expenses incurred within 30 days upon arrival to Malaysia, subject to the medical expenses limit specified in the schedule of benefit.
Yes, only if the treatment is sought within 24 hours from the date of arrival in Malaysia. We will reimburse the medically necessary expenses incurred within 30 days upon arrival to Malaysia, subject to the medical expenses limit specified in the schedule of benefit.
No, dental expenses and pregnancy-related matters are not covered, unless they are direct consequences of an accident.
We will reimburse the reasonable and necessary additional cost of travel, accommodation and the unused and non-refundable expenses which is paid in advance and not recoverable from any relevant parties.
No, we do not cover for loss of baggage left unattended in any public place, as the policy excludes any failure of the insured to take reasonable efforts to safeguard his/her property.
Yes, travel cancellation covers any event below which occurs within 14 days prior to original scheduled departure which:
(a) leads to widespread violence;
(b) is not due to reasons for purposes of asserting sovereign rights and/or operating on behalf of a sovereign state;puts your life in danger; and
(c) following the advise and/or warning of the Malaysian government or the government of the destination country declaring unsafe conditions for travel through or by general mass media.
However, this policy excludes strikes or events due to an act of war, assertion of sovereignty, insurrection, revolution and use of military power.
You must make a report to the local police within 24 hours after the incident.
Yes. You must make a report to the local police within 24 hours after the incident.
Yes. Natural disasters including but not limited to volcanic eruption, flood, earthquake, tsunami, hurricane or wildfire are covered events under our policy.
If you transit in the Middle East with no stop over, you may purchase a Region 2 plan..
If you transit in the Middle East with a maximum stop over of 1 night because there is no connecting flight, you may also purchase a Region 3 plan.
A child (aged between 31 days and above and up to 18 years) can purchase an individual policy but the policy must be issued under a parent or legal guardian’s name, i.e. on the life of (OTLO) the child’s name.
“Jack Tan OTLO Tan Mei Mei”.
The payable premium for a child is the same as for an adult.
Under the Family plan, a child is entitled to 25% of the Accidental Death and Permanent Disablement benefit and all other benefits are payable at 100%.
No. You must purchase the policy prior to your scheduled departure.
Coverage shall be extended at our sole discretion for up to 30 days from the expiry of the period of insurance without payment of any additional premium if you are hospitalized and/or quarantined overseas as recommended by a doctor or as a result of any circumstances beyond your control which is deemed reasonable by us prohibiting your return to Malaysia prior to the insurance expiry.
For domestic trips, coverage starts as soon as you depart from your place of residence or work. For overseas trips, coverage starts as soon as you depart from Malaysia. Coverage is valid if the travel period is a minimum of 2 days and terminates upon your return or upon completion of 31 consecutive days of travel, whichever is earlier.
It covers you for any loss or damage to your golfing equipment or any liability to a third party for property damage or bodily injury and hole-in-one expenses.
Cover is worldwide except for United States of America and/or Canada and to countries where such payment would violate any prohibition or regulation or sanction that has been imposed by the Malaysian Government, the American Government and/or the United Nations.