Overseas trip i always use AXA

Most important is on medical coverage aspect..then on the medical cost. Who gonna pay first? No use coverage until RM 500k..but need to use own money first and claim later when back to Malaysia..

medical cost overseas very expensive one..even simple surgery can cost hundred of thousand..where to get that amount of money in such a short time when u are in hospital bed except relying on CC and pray it will not reach the credit limit or ask for donation from relative back home.

So far only etiqa tripcare 360 give cashless admission via GL for hospitalization..others need to pay first reimburse later..why other don't want to replicate etiqa?

On minus side..etiqa tripcare coverage for travel inconvenience and damages benefits is a bit inferior to AXA..

Nevertheless cashless admission pawn them all.

Btw..if i buy both AXA and Etiqa and something bad happen ..can i claim both (other than medical coverage)?

Ie: my baggage got damaged so can i claim from etiqa and AXA? Or i died during travel..can my heir claim death benefit from both?

Tune protect cost how much? If more than RM 20 might as well buy AXA..better coverage.

I think both answer is no..

Can refer to travel curtailment coverage un etiqa tripcare.

Generally they will cover if traveller or immediate family ill / died which prevent u from going overseas or something bad happen to your residence like fire which require u too be there.
Act of terrorism.natural disaster. Hijacking.

In that case can try AIG & Etiqa..both offer domestic travel but with limited coverage

https://www.google.com/url?sa=t&source=web&...ZOAS-1jlIb2bRVt


From this source, they mention about accident this month which involved 34 Msian in Turkey..all those injured were treated on cashless basis.

https://www.google.com/amp/bertampadu.com/k...-insurance/amp/

This too happen in turkey and again the traveller subscribe to etiqa.



Without cashless admission..traveller need to pay first and claim later..if money not enough how? Can refer to this case..

https://www.google.com/amp/s/ohbulan.com/ay...ng-berlaku/amp/

https://www.google.com/amp/s/www.hmetro.com...node/296969/amp

This post has been edited by gogocan: Oct 30 2019, 01:19 PM