hello everyone... me and few other friends are going off to Dhaka, Bangladesh next week for a debate competition.

However, we are very concerned of the recent outbreak of Influenza A. Does anyone know of any insurance company in Malaysia that provides travel insurance covering Influenza A ?


Thanks in advance.

Nope.

I dont think so.

har got insurance cover flu ? i know cover disaster got .

so really isn't any insurance right now that would covers the swine flu?

When it's some outbreak, no insurance company would be sane enough to cover it.
It's just common sense as they work on risk and probability. So even if they do, the premium paid would be high.

a simple No would suffice.


example
Q: is there anywhere that sells xxxxx ?
A: No

situations like these call for one liner answers.

dear all, me and my friends will be of to dhaka next week but we also want to get a health insurance just in case anything goes wrong.

does anyone know of any good travel insurance? we'll be there for 8days max.

Thanks in advance.

Well,u can try NOMAD

is that from Malaysia? how do we claim later if something happened?

Nomad is a travel insurance that cover most of the country in the world. I dont think they cover for swine flu but its very cheap from as low as USD5. You can contact them if something happen to you. My friend lost his handphone when he visited Macau and after that, he called Nomad and Nomad insurance gave him a compession.

Hey,

For those of you going overseas on holiday for extended periods of time (more than 1 mth), did you get medical & travel insurance? Which did you get? I was considering taking the HSBC Travelsafe plan (http://www.hsbc.com.my/1/2/personal-banking/insurance/travelsafe) for RM 358 (individual). Can anyone comment on it or give other recommendations? Thanks!

Yeah I always buy travel insurance and so far, I've only ever got it from MSIG.

http://www.msig.com.my/Personal/product.asp?pageid=3202

I buy from my current insurance company cos as their existing holder they give better rates and low premium.
Try shopping around and look for the key features and what can claim or not.

yeah i am thinking of getting a travel insurance too..

I'm using the same as you while I'm traveling.

i took AIA ...
1 year cost about RM350 ++

but no use...... cuz nothing happen to my luggage / myself

I don't travel without travel insurance! Did few research and now I stick to Takaful Ikhlas Kembara. The cheapest!

insurance can buy for luggage also ?

if not wrong some oversea authority/company wants to see ur insurance.. will they recognize local ones like Takaful Ikhlas Kembara?

oh yes, they have 24hours worldwide coverage at a very very reasonable premium.

Hi missfinn, I was checking out Takaful's rates and er... the prices at the contribution table, is that per day or per trip?

Thanks.

per trip. real cheap, eh?

Yes. Are their services good? Because I was thinking of getting this insurance now.

Before I purchased, I collected all the infos from almost every companies that offered travel insurance and what I can conclude is that they are offering more or less the same coverage. Some comp lack this coverage but others have and vice versa. To me this one is good, not the best, but the coverage is more or less the same and depend on what plan (the total sum insured). The choice is yours I never make any claim before, so I don't know much about the procedures. But at least I feel secure while travelling

Citibank provides it whenever I use them to buy the plane tickets. Not sure how good are they though.

Hi Guyz

Going To Europe With Tour Agent.

Any Recommendation On Travel Insurance?

In SG, It Will Be Huge Discount At NATAS Fair (Travel Fair)

How About Malaysia?

Hi, can someone recommend affordable travel insurance for me?

I travel to europe for about 5 weeks

so far I go online, maybank, hsbc bank also got offer, but it needs at least rm150++ T.T

why not u give a call to Allianz insurance? usually i will buy the travel insurance from them... but never come across of being 5 weeks oversea la... just give them a call & ask :lol:

https://www.tunemoney.com/web/guest/travel-insurance
and
https://www.tunemoney.com/web/guest/travel-...s&insuranceId=2

Less than 150

For those who had bought before.. Any good recommendation for travel insurance?

In terms of easy claim if any thing happened...

Hi All,

Just to share my experience buying travel insurance from AXA Affin today. Went to their Head Office to make a purchase on a VIP Plan as we were travelling to Bangkok for 5 days, all 3 of us.

VIP Plan costs RM 32 each and the lady that processed my application told me there's a discount given for walk-in customers. I just need to pay RM 72 instead of RM 96 for the 3 of us! This also applies to the Classic Plan.

So perhaps next time anyone of you could call & enquire.

Hi, I'm finding some answer about travel insurance and this is the 'newest' thread on it. I am thinking taking travel insurance for my 2 weeks trip but I'm still blurred on few aspect. I had been going through HSBC Travelsafe and MSIG website.

Say if I buy the insurance now for June's trip and the flight was cancelled due to volcanic ashes issue in UK, will I get to claim even though I haven't started on my trip? I'm worried about the volcano eruption cause all my Eurostar ticket and hotels were already paid. Note : I'm planning to buy 2 weeks insurance with spouse.

Is only hospitalisation in overseas will be eligible for claims? How about outpatient treatment for illness like food poisoning etc? How does one claim for the medical treatment? Just like the way we claim in Malaysia - show the hospital our policy cert/card and request letter of guarantee from insurance provider's hotline?

I had bought HSBC Travelsafe before for a short trip but didn't do any claim at that time, so I wonder whether it's better than MSIG or not.Thanks.

I use Chartis. Took the annual travel insurance. RM350+ like that.

munkeyflo, Cartis is the old AIG, is it?

Yup, I usually buy from AXA too coz my friend works there - ask her to buy for me got 25% discount. Hehe.

http://www.axa.com.my/123/en/Personal-Insu.../SmartTraveller

I always pick the VIP plan coz it's not that expensive also. Quite affordable.

Maybe since she help me buy means 'walk in price'??? Hehe, will do that next time since she's already resign and leaving the company before my next trip in Sept.

Great tip there Cutie!

Some credit cards do offer travel insurance too if the tickets are charged using the cards. What would be the difference between such travel insurance compared to the ones provided by AA and AXA? Would it be sufficient to just rely on the credit card's travel package?

Example:
http://www.citibank.com.my/global_docs/Ins...remierMiles.pdf
http://www.standardchartered.com.my/person...e/en/index.html
http://www.maybank2u.com.my/WebBank/Mayban...Travel%20CI.pdf

This post has been edited by Human Nature: Aug 4 2011, 11:20 AM

Because of the limited effectiveness of its provisions, travel insurance is primarily recommended by personal financial consultants for clients' incidental needs & not as the core life risk management program/ plan of an individual. Consult a licensed personal financial advisor for better understanding.

Hi all travellers in LYN, I would like to ask, when you travel , Do u buy travel insurance? if u buy, which insurance u buying?

any recommended insurance?

Is it better to buy from insurance agent or direct from the website? Currently , i get to known to Chartis travel insurance, Airasia, HSBC, Allianz.

if there are better suggestion please recommend.

For me, i usually buy AXA's travel insurance.

If you deal direct with the insurance company - there will be a 'walk-in' price even if you buy via online/email.

AXA's benefits are really good provided if you buy the VIP one and the price isn't expensive at all.

I get my Chartis travel insurance from my insurance agent.

If I don't go for lots of trips in a year, I'll just arrange for her to get it done a few weeks before I travel. Count by the days and place I travel to. But if like this year, I've been travelling quite a lot, then I just get one year travel insurance. Cost about RM350+ or so for the whole year.

If you do not travel often and only go on those package tours, it may be more convenient to get the travel insurance for the duration of your tour from the travel company that you are going on tour with. Most are agents for some major insurance company, just make sure they are recognised ones. I think the coverage and premiums are pretty much the same so may not save much if you hunt around for the best deals.

Bought travel insurance from MSIG and lost my iPhone during my trip to Melbourne last month. Thought i could make a claim but was told that they do not insure loss of cameras, mobile phones etc. Gotta blame myself for not reading the fineprints, but then again.. who will expect one would lose her mobile phone during a trip?

Does AXA cover loss of phones and cameras?

^Usually lost baggage by airline can claim. But lost phone, I'm not sure.

Anyway, if you really did lose your phone, you'll have to make a police report and then only you can make the claim. If you got no police report and just tell them you lost your phone, they won't bother. Even if you lost your wallet or got robbed, you'll have to make a police report in order to claim your insurance.

Yup understand that. I called MSIG to ask whether phone was stolen can claim anot they said cannot so i didn't bother to file a police report. But i'll make sure my next travel insurance covers these small small things.

HTH.

This is for AXA VIP Smart Traveller. Handphone & other belonging should fall under the highlighted portion.



Edited to add: All loss has to have police report from the country you are visiting. Once you have the police report, can submit it to claim with your policy.

This post has been edited by Shazzac: Aug 24 2011, 01:05 PM

Yup i thought it falls under personal belongings too until they showed me this.. So guys, check your policy carefully.

Supposedly your flight got cancelled and the airline put you on the next available flight, do you get compensated for travel delay? Let's see how many people it right.

Guys,

Airasia is offering their travel insurance, GoInsure if I am not mistaken. Since my credit card is offering travel insurance as well if I charge air ticket to my cc, should I consider to buy this GoInsure? Does it like redundant?

Let say, GoInsure pay RM100 for every hour delay to our original scheduled time while my cc also pay the same rate, can I claim from both of them which mean I will get RM200 for every hour delay?

Another situation, GoInsure pay for delay flight. If my flight has been rescheduled (they call/sms/email/inform a week/2 weeks in advance) from original time, say, Oct 10 at 10am to Oct 10 10pm. 12 hours different. Can I file a claim for this case?

Thank you.

Hi guys,

Serious question:

I flew to Manila recently, and on the flight back, I was stopped from flying due to red eye. As a result, I had to seek medical treatment in Manila, but worst of which was that I had to spend an additional 4 days in a hotel resting my eye, until it recovered enough for me to fly back.

After I went back, I checked with my flight insurance (yes I bought travel insurance attached to the flight ticket), and also my credit card travel insurance, but none of them seem to allow me to claim for the 4 days of accommodation.

Questions:
1. do you guys know if this accommodation is claimable?
2. do you know which travel insurance will cover such situations if this happens again the future?
3. do you know what the procedures are to make such claims?

Appreciate it a lot!

Thanks,
Mark

Mostly the accommodation means wad un;ess they arranged? Well, I'm not sure too

looks like cannot claim... insurance sucks when you pay extra to get false sense of security.

Hey guys, I was wondering if anyone knows good travel insurance to buy? I came across travel insurance clubs to join, as a mobile phone application, on myTravelSOS? My wife and I are going to Spain for a couple of weeks this spring, and need to join one of these insurance clubs. Each one offers a great deal on travel medical and legal insurance, but I'm not sure which one to join. The cheapest one costs about 15 dollars. I googled other travel insurance, and couldn't find any that offer legal insurance as well as a virtual personal assistant. If anyone has information on cheaper travel insurance that has the same features, or if you have experience with myTravelSOS insurance and have advice for me, I would greatly appreciate it.

I have purchased AirAsia Insure Return Cover for International but am confused over their policy (attached). The insurance covers accidents occured during the flight/inside airport only, or within the travelled country too? Please help. Thanks


Attached File(s)
 Malaysia___Return_International.pdf ( 421.14k ) Number of downloads: 127

Looking at the attached policy:

In the event of an Accident happening during the Trip, if the Insured Person suffers
bodily injury which results in his death or disablement, the Company will, subject to
the exclusions, limitations, provisions and terms of the Policy, pay compensation as
provided in the Table of Compensation below

while the definition of "Trip" refers to the period between the Commencement of Cover and
Expiry of Cover.

Hope it helps

Hi, thanks alot for this.

There is no point asking which insurance is best if nobody every claimed from that insurance company before to know how good/bad they are.

So it would be better to ask, who has made a insurance claim and how's their experience.

Claimed once for a trip fellow to Macau.
All luggage arrived, except his.

Check with airline luggage counter (lost/unclaimed counter).
They check/call and confirm luggage still in KL.
Next flight is confirmed next day, so ... yahoo! full claim
Remember to get a form/letter from this counter to acknowledge the luggage is delay, and when collect the time, there is another/same form/letter, for you to submit for insurance claim. Very important.

Read the fine print, there are roughly 3-levels of claim:
1) Less than 2-4 hours = RM200
2) 4-6-8 hours = RM400-600
3) >6-8 hours = max RM600-800

So, we go shopping for everyone, of course the receipts must be valid/reasonable. Cannot simply taruh also, although most are in Chinese words or hand-written.
The person manage the buy RM400+, the rest utilise by other members.

Come back, call agent. Submit claim.
Max full claim within few weeks

Just wondering,

If I already have sufficient (I guess) medical/hospitalization cover from my existing insurance plans (that also cover overseas), does it really make sense to buy a separate travel insurance?

Cos I see all the T&C, the biggest covered things are medical/hospitalization (which I already have coverage). And refund of tickets/hotel booking if trip is cancelled, but this is only when the trip is cancelled due to like death, natural disaster, etc etc.

Bags coverage even if lose luggage also don't get that much money re-imbursed

Your current insurance can claim hospitalization fees on oversea? There are so much other are covered like overbooking, miss connecting flight etc etc.

Read the fine print, there are roughly 3-levels of claim:
1) Less than 2-4 hours = RM200
2) 4-6-8 hours = RM400-600
3) >6-8 hours = max RM600-800

Which insurance gives this level of claims?
The one I buy only RM200 for 6 hours. RM400 for 12 hrs
Thanks

I was quoting roughly from my mind, since it was a roaming call from overseas.
The point is, the luggage delay claim is staggered by X hours.
I did not check further, as the claim is submitted by the other person.

Hi folks

Would like to ask to those who travel frequently, long period, travel far, and do lots of outdoor activities.
Do you buy proper Insurance coverage (that is not AA) that covers from flight all the way to theft and injuries?

How do you pick one?
Do you buy per travel coverage, or subscribe to annual/longer term contract terms?
Which one is recommended? True experiences?

ie: I will be out of country for 20days, and I may be doing some hikings.

^Make sure the travel insurance that you choose covers hospitalization and medical expenses also.

I travel at least 4-5 times a year and do lots of scuba diving. I bought Chartis Annual Travel Insurance, includes theft, hospitalization, flight delay/cancelled, trip cancellation, luggage lost, etc. I have to add another package to include coverage for leisure scuba diving. Do check if the insurance you pick will cover the hikings.

Thanks for all these infos.
In the end i went with AXA because it just a walking distance from my house lol.
The personal who entertain my inquiries really helpful to get me answered. the delays only covers specifically flights ONLY. bullet trains and ferry isnt. however transportation that leads to the flight will be covered within 4hours.also applicable to plane only.

Oh well. my priority would be injuries n medical. But paying these upfront n claim later is normal, isnt it?

This post has been edited by e-jump: Oct 4 2012, 01:28 PM

Make sure you bring your travel insurance card/documents along with you cause if the amount is big and no prove of insurance, some hospitals might not want to provide treatment.

If small amount, just pay first then claim after you come back.

Normally, I also use Chartis. Like what munkeyflo pointed out, bring along the travel insurance documents with you. Make an extra copy, put in a plastic bag and keep it safe. One inside your luggage, the other inside your backpack/handbags etc.

i bought AXA (VIP - and got 20% discount if you buy online) for my mom coz thats the only one that allowed >90 days travel..
unfortunately my mom got sick and went to doctor twice..
forward all the receipts to my brother and claim straight away even my mom still overseas..
claim cleared the week after.. no hiccups at all..

Yeah, easy and fast to make claims from AXA.
Forward completed forms and all relevant receipts and document.

Best part - no need for hard copy - all done through email.
Done 2 claims so far - flight delay & missed connection; baggage delay

munkeyflo, check AXA VIP package. They already include leisure scuba dive into the package and I am currently changing from MSIG to AXA too.

Ooh okay. Thanks for the info. I was actually gonna buy Chartis Annual insurance today since going to Manado this weekend. Will look into AXA. Thanks!

Edit: Called up AXA (03-21667777) and already purchased their SmartTraveller annual insurance gold plan, total RM320 nett for area 3. Their customer service staff was not very friendly and she was quite reluctant to answer my questions when I first called to enquire about their plan. But the other staff that help me process my purchase was very friendly and I got the confirmation documents thru my email 5 minutes after I got off the phone with him.

Tried to purchase online but the online thingy only supports IE up to version 8.0 so no choice, I called them up direct.

This post has been edited by munkeyflo: Oct 15 2012, 04:30 PM

Please use this link for AXA SmartTraveller Online Purchase with 25% discount

https://www.smartlink-xr.axa.com.my/cordys/...rID=4&entity=my

The link in the Buy Online logo doesn't work.

I used the Travelguard from Chartis/AIG insurance before..hehehe...i work with AIG, quite unknown in malaysia but their service is fantastic, now i see their banner all over this forum...lol...

This post has been edited by ameenskywalker: Oct 24 2012, 10:55 AM

As I've searched for anything related to this on Lowyat, I couldn't find any advises/recommendations. I hope it's alright I started a thread.

I will be travelling to Shanghai and HK this December.

Will be flying with Air Asia for my flights from :

KL - Hangzhou
Hong Kong - KL

Will be flying with Spring Airlines (China's domestic airline) from :

Shanghai - Hong Kong


Seeing Air Asia offers their own insurance, I guess it's no brainer to get it from them but my main question is for my flight from Shanghai to Hong Kong, who/which company should I purchase from? I've checked Spring Airline's website and they do not offer their own insurance.

Any recommendations? Thanks alot guys.

I will be travelling alone to these countries for 2 weeks so I'm not too sure if Air Asia's travel insurance works for me. Any advises?

Really appreciate any help you guys can give. This is my first time abroad and alone.

Thanks again.

try chartis travel insurance

Buy from outside which will cover the entire route. They count by days.

Get other travel insurance. Don't have to bother about AA travel insurance.
Travel insurance will count how many days you are travelling and also the region where you are travelling. For some of us that travel a lot, we buy the annual package. For those who travel only once in a while, you will pay for how long you want. Contact your insurance agent or check out some travel insurance websites.

When I used Chartis, I bought thru my agent. Now I've changed to AXA and you can purchase it via online or over the phone, just have to provide your credit card details and they'll email you the details within an hour.

Is the promotion still valid? if no then i no need to find I.E 8.0... if yes will definitely try to find one.

baggage delay ??? This also can claim? How much u get from baggage delay

HI,
Is that possible give me the links ? I wanna buy online lolx.

Thanks bro btw

any travel insurance cover excess reduction if we hire car from company and the car crash? the excess reduction insurance in australia is ripped off, need to pay 20 Aud per day to reduce 3000 Aud liability to 300 Aud

Try: https://www.smartlinkxr.axa.com.my/cordys/a...rID=2&entity=my

Really sad that I dont have IE 8 @@ .. Do you know how to install ie 8 on window 7 ?

I have tried the link given. But it said that it is still under construction.....

Hi guys, can you recommend some good insurance coverage policy at here? Normally which insurance company you go for?

As i would want to get those with a good coverage when im travelling. (To be concise , im going China)

This post has been edited by kuntaker: Jul 19 2013, 05:24 PM

I'll go with Allianz (TBH I'm a bit biased since I'm working for them) but you can check out my link here. Its cheap and quite comprehensive. For frequent traveller/ globetrotter its advisable to take yearly plan.

see here: Allianz Travel Care

I wanted to pose this question to the forum since so many of you have valuable experience traveling. My question is should I get the use of good travel medical and evacuation insurance? If yes, may you be so kind to share the insurance agency.

I am planning on a trip from Thailand, Cambodia, Laos, Vietnam, Nepal and India for couple of months. During that period I may be exposed to potential diseases. Initially I had planned on not. While not ones to take health lightly I will be carry a medical aid kit and paracetamol, etc.

While I agree it is important to travel safe, is it absolutely necessary or is it a convenience thing to get an insurance? Can you share your experiences with or without a travel insurance or share basic preventive precautions that will benefit to all of us here.


Thanks

try this

http://www.zurich.com.my/products/General/...ntravelpac.aspx

Hi,

Regardless of travelling to really under developed countries or not, I will still buy travel insurance.

As travel insurance not only cover if you have gotten yourself into accident, it also covers for flight delays, hotel not honouring your booking and also lost of baggage and many more.

It's not that expensive IMO.

I usually buy from AXA and if you pay direct to them, you'll save up a further 25% (usually this is paid to agents if you buy from them).

The most i paid for was less than RM100 for my 12 day trips to Europe these past few years.

Thread merged

Thanks stimix

Can anyone recommend a travel insurance plan?

I am not flying with AA, so not buying from Tune Ins...

Maybe you can try AXA
Just give them a phone call to process your application

email them also can.. fast response.

There's a whole thread about it.

https://forum.lowyat.net/index.php?showtopic=2891182&hl=

This post has been edited by munkeyflo: Sep 20 2013, 04:22 PM

Thread merged.

Recently Maybank also launched their travel insurance plan http://www.maybank2u.com.my/mbb_info/m2u/p...INS02.02-Travel

I emailed their customer service and the personnel took a day to reply my query and another day to have my queries cleared. I have this problem solved in <8minutes via call and policy delivered to me the next minute.

For AXA, just call them faster. You'll get your policy on your email few minutes after you end the call with them.

I did a search but didn't see much being discussed on travel insurance.

Most travel insurance out there will cover medical benefits, travel cancellation/curtailment, etc. I'm wondering if there are companies that will let me pick and choose what coverage I want. I already have my own medical insurance, I only want coverage for travel cancellation/curtailment.

I'm being quoted close to RM1k because the insurance companies are bundling everything in, for a trip that's costing around RM10k which doesn't make much sense to me. I guess that's how they make money