Mitsui Sumitomo Insurance (Malaysia) Bhd.

	Special Features
	Summary of Coverage
	Premium Rates
	Summary of Benefits
	General Notes
	General Exclusions

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TravelRight

Flight delays. Loss of Luggage. Illness. An accident. Whether you are on a business trip or on holiday with your family, any of these common travel problems could leave you stranded and helpless far from home. The result could be a financial disaster. That’s why you need the protection of MSIG’s Travel Insurance, for protection throughout your journey.

SPECIAL FEATURES

	Worldwide 24-hour Assistance Hotline: 603-2166 3080
	Age Limit up to 80 years (65 years for Annual Cover)
	A comprehensive annual travel plan for unlimited journeys in a policy year
	Flexible plans for Outbound or Inbound Travel
	Emergency Medical Evacuation, repatriation, burial and cremation expenses are covered
	Covers both business and leisure trips
	Covers additional cost of rental car return
	Covers unprovoked murder and assault
	Covers hijacking and terrorism
	Medical and Other Expenses include arrangements for compassionate visits and childcare
	Member of MATTA (Malaysian Association of Tour and Travel Agents)

SUMMARY OF COVERAGE

BENEFITS	OVERSEAS (OUTBOUND) (RM)	DOMESTIC (INBOUND) (RM)
Section 1
Personal Accident
• Death - Adult	200,000	150,000
• Death - Child	25,000	15,000
• Permanent Total Disablement – Adult / Child	200,000	150,000
Section 2
Medical & Other Expenses
• Medical & Other Expenses including Emergency Medical Evacuation	300,000	15,000 (accidental medical expenses only)
• Post Hospitalisation	30,000	Inclusive under medical expenses
• Burial & Cremation	5,000	Not Covered
• Repatriation cost	Unlimited	Not Covered
• Hospital Income per day	250 (max 5,000)	50 (max 1,000)
• Compassionate Care*	5,000	Not Covered
• Child Care*	5,000	Not Covered
Section 3
Luggage & Personal Effects (max)*	5,000	100
• Subject to single article, pair or set of articles	500	-
• Notebook	1,000	-
Section 4
Luggage Delay - min 8 hours	800	Not Covered
Section 5
Personal Money	800	Not Covered
Section 6
Travel Documents*	5,000	Not Covered
Section 7
Cancellation*	18,000	Not Covered
Section 8
Curtailment*	18,000	Not Covered
Section 9
Travel Delay - Every 8 hours	250 (max 2,500)	50 (max 500)
Section 10
Missed Travel Connection - Min 8 hours	250	Not Covered
Section 11
Travel Overbooked - Min 8 hours	250	Not Covered
Section 12
Missed Departure*	1,000	Not Covered
Section 13
Additional Costs of Rental Car Return	1,000	Not Covered
Section 14
Personal Liability	1,000,000	Not Covered
Section 15
Travel Worldwide Assistance Services	Covered	Covered
Terrorism & Hijacking	Covered	Covered
Maximum Liability under Family Plan	No limit	No limit

* Excess of RM50 per claim

PREMIUM RATES

OVERSEAS (OUTBOUND)	RM
Period of Insurance	Insured Only	Insured & Spouse	Insured & Child(ren)	Family
Asia
1 - 5 days	32	57	52	72
6 - 10 days	48	88	83	113
11 - 18 days	65	125	120	180
19 - 31 days	75	145	140	230
Each Additional Week	20	40	35	50
Worldwide Excluding US & Canada
1 - 5 days	42	77	73	105
6 - 10 days	63	118	113	145
11 - 18 days	100	195	190	240
19 - 31 days	115	225	220	335
Each Additional Week	35	60	55	85
Worldwide Including US & Canada
1 - 5 days	52	97	93	135
6 - 10 days	83	158	153	200
11 - 18 days	125	245	240	315
19 - 31 days	175	345	340	445
Each Additional Week	45	80	70	110

DOMESTIC (INBOUND)	RM
Period of Insurance	Insured Only	Family
1 - 5 days	15	45
6 - 10 days	25	75
11 - 18 days	35	105
19 - 31 days	46	138
Each Additional Week	10	30

•	Family includes you, your legal spouse and child(ren) 18 years of age and below.
•	Insured and child(ren) includes you and your child(ren) 18 years of age and below.
•	Domestic Cover – Travelling within East Malaysia or within West Malaysia only
•	Asia is defined as Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Laos, Macau, Malaysia (East to West or vice versa), Myanmar, Nepal, Pakistan, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Thailand and Vietnam.

SUMMARY OF BENEFITS

PERSONAL ACCIDENT – UP TO RM200,000
We cover you against death, loss of sight and/or limbs and permanent total disablement that prevents you from working.

Benefits	Adult	Child
Death	RM200,000	RM25,000
Loss of eye(s) or limb(s) or permanent total disablement	RM200,000	RM200,000

MEDICAL & OTHER EXPENSES – UP TO RM300,000
We will reimburse the actual necessary and reasonable medical, surgical or hospital charges and emergency dental treatment charges incurred as a result of accidental bodily injuries, illness or death during the journey.

HOSPITAL INCOME – UP TO RM5,000
If you are admitted to a registered hospital outside of your home country due to accidental bodily injury or illness sustained during the journey, we will pay you RM250 a day, for up to 20 days.

EMERGENCY MEDICAL EVACUATION & REPATRIATION
MSIG Assist will evacuate and make necessary transportation arrangements to the nearest hospital when medically appropriate. MSIG Assist will also arrange repatriation of mortal remains if death should occur outside the Home Country.

LUGGAGE AND PERSONAL EFFECTS – UP TO RM5,000
We will pay or reimburse loss and/or damage to your luggage and personal effects subject to maximum of RM500 for single article, pair or set of articles except notebook up to RM1,000.

LUGGAGE DELAY – UP TO RM800
If your luggage is delayed for more than 8 hours from the time of arrival at scheduled destination outside your home country during the journey, we will reimburse you for purchases of essential items such as toiletries and clothing.

PERSONAL MONEY – UP TO RM800
We will pay for your loss of cash and travellers’ cheques due to robbery or theft during the journey outside your home country.

TRAVEL DOCUMENTS – UP TO RM5,000
In the event of robbery or theft of your passport and/or travel tickets outside your home country, we will reimburse necessary additional accommodation and travelling expenses incurred in obtaining the new permit to continue your journey.

CANCELLATION – UP TO RM18,000
We will reimburse your necessary pre-paid (non-refundable) expenses in your home country if your planned trip is cancelled due to illness, accidental bodily injury, death or fortuitous cause beyond your control to you and/or your immediate family.

CURTAILMENT – UP TO RM18,000
If you need to curtail the trip due to accidental bodily injury, illness or death of your immediate family or travelling companion, we will pay the non-refundable part of your trip in proportion to the unused days paid in your home country.

TRAVEL DELAY – UP TO RM2,500
In the event of the scheduled carrier in which you are booked to travel is delayed, we will compensate RM250 for every 8 hours of delay at each destination, up to RM2,500 maximum.

MISSED TRAVEL CONNECTION – UP TO RM250
In the event of your confirmed onward scheduled aircraft, sea vessel or train is misconnected and your next transportation is made available after 8 hours, we will compensate you up to RM250 for the inconvenience.

TRAVEL OVERBOOKED – UP TO RM250
If your confirmed scheduled aircraft, sea vessel or train is overbooked, we will compensate you RM250 if there is no alternative transportation is made available to you for more than 8 hours.

MISSED DEPARTURE – UP TO RM1,000
If as a result of failure of public transport services to get you to the departure port, airport or train station (as stated in your ticket) during the initial departure from home or from the place outside your home country, we will reimburse the necessary and reasonable accommodation and travel costs incurred.

ADDITIONAL COSTS OF RENTAL CAR RETURN – UP TO RM1,000
If you are unable to return a hired car due to accident or hospitalisation, we will reimburse you for additional costs of rental car incurred.

PERSONAL LIABILITY – UP TO RM1,000,000
We will pay for your legal liability to third parties for injury and/or loss of or damage to property.

24-HOUR TRAVEL WORLDWIDE ASSISTANCE
Whenever you are in the world, you can rely on MSIG Assist to come to your rescue. Just call our 24-hour Helpline at 603-2166 3080. You can reverse charge or asks Helpline operators to return your call so you do not need to worry about the call charges. You may call for assistance on:

Pre-travel Advice on visa and vaccination requirements.
Medical Assistance in an emergency or if an evacuation or repatriation is required.
Travel Assistance pertaining to lost luggage, passports, money and credit cards.

GENERAL NOTES

1.	Applicable to Malaysians, Malaysia Permanent Residents and work permit holders legally employed in Malaysia.
2.	Flight Delay cover shall not be granted if you travel in a chartered flight.
3.	Each trip must begin and end in Malaysia except One Way Cover.
4.	An overseas trip shall involve return to Malaysia within the period of insurance and in no event to exceed 185 days for Short-term Cover and 90 days for Annual Cover.
5.	Annual Cover is applicable to proposers who are currently employed or business owners.
6.	Annual Cover is not applicable to children aged 18 years and below.
7.	Any extension of cover is not allowed during the trip or after you have departed for your destination.
8.	An excess of RM50 is applicable to certain sections. Please see summary of coverage.

GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS

1.	War and related risks.
2.	Government Regulations or Acts or Authorities of any country.
3.	Hazardous adventure.
4.	Suicide, self-inflicted injury or illness.
5.	The effect or influence (temporary or otherwise) of alcohol or drugs.
6.	AIDS, AIDS-related complex and sexually-transmitted diseases.
7.	Pre-existing medical conditions.
8.	Pregnancy, childbirth, abortion or miscarriage.
9.	Illness or disorders of psychological nature, any anxiety state and/or nervous depressionsand mental illness.
10.	Manual work in connection with any trade, employment or profession.
11.	Travelling in an aircraft (other than as a passenger) in a fully licensed passenger-carryingaircraft and for no other purpose.

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