Ya, that's only RM39 per trip which is lower than other providers of the same benefits.. I guess I will go with AXA. Do you buy it online? I have few questions though:
1. I am worried about my luggage. Had a few bad past incidents whereby my luggage were damaged during handling. I checked AXA covers up to only RM500 for damaged luggage - is this your understanding too? Any other provider that provide a higher coverage?
2. Obviously it covers my flights. But does it cover my bullet train transportation too?
3. How are the claims process? Via online? If my luggage is damaged, for example, do I need to obtain any letters from the airport itself as it's documentation? Or just a photo will do?