Which the best travel insurance to buy now? Altho i bought the AirAsia one together with the tickets.

https://ringgitplus.com/en/travel-insurance...r-Plan-VIP.html

This one seems gooding but the the infos aren't very detailed...one example like the below:

Travel Delay
Get compensated for late arrival at your holiday destination

RM 3200 individual
RM 9600 family
RM 3200 per adult
RM 3200 per child

By late is how late? 5 mins delay also is delay, so if i'm 5 mins delayed do i get compensated as well?

Where did you find it? Where can i view the rest? thanks!