TRAVEL INSURANCE

PLAN WITH CONFIDENCE FOR YOUR ENTIRE TRIP

 

TRAVEL INSURANCE

Purchase the travel insurance plan with us to make informed and timely decisions for your journey. With coverage tailored to factors like trip origin, destination, travel dates, and traveler nationality, we’ve got you covered every step of the way. Enjoy peace of mind knowing your entire trip is protected.

Please review the important disclaimer information below.

WHAT WE COVER

Benefits Sum Insured Up To (MYR)
Primary Essential Superior Premier Domestic
COVID-19 Coverages
1. Medical Expenses (incurred Overseas) & Emergency Medical Evacuation & Emergency Medical Repatriation – – 600,000 800,000 –
2. Out-of-country COVID-19 Diagnosis Quarantine Allowance (Up to 14 days) – – 4,200
(MYR 300/ day)		 7,000
(MYR 500/ day)		 –
3. Travel Cancellation and Travel Postponement – – 25,000 30,000 –
4. Travel Curtailment – – 25,000 30,000 –
Base Coverages
A. Trip Cancellation (Pre-departure)
5,000 20,000 25,000 30,000 1,000
B. Medical & Associated Expenses
1. Medical Expenses 150,000 300,000 600,000 10,000,000 20,000
(Accident only)
2. Emergency Medical Related Expenses
(a) Emergency Medical Evacuation and Emergency Medical Repatriation 150,000 Unlimited Unlimited Unlimited 20,000
(Accident only)
(b) Compassionate Visit 3,000 9,000 12,000 15,000 –
(c) Child Guard – 9,000 12,000 15,000 –
(d) Daily Hospitalisation Income (MYR 250 per day) 5,000 15,000 20,000 30,000 –
(e) Emergency Telephone Charges and Internet Use – 150 300 500 –
3. Follow up Medical Treatments –
in home country – Malaysia
(a) In-patient Medical Expenses (Up to 30 days) 10,000 50,000 50,000 50,000 –
(b) Outpatient / Specialist Treatments or Services provided by a Medical Practitioner Included
in B3 (a)		 Included
in B3 (a)		 Included
in B3 (a)		 Included
in B3 (a)		 –
(c) Treatments or Services provided by Healthcare Professionals – 500 700 1,000 –
4. Overseas Dental Expenses Included
in B1		 Included
in B1		 Included
in B1		 Included
in B1		 –
C. Repatriation of Mortal Remains
150,000 Unlimited Unlimited Unlimited –
D. Trip Curtailment
5,000 20,000 25,000 30,000 –
E1. Trip Interruption
1,000 1,500 2,000 3,000 –
E2. Travel Missed Connection (MYR 200 for every 6 consecutive hours)
200 600 800 1,200 –
F1. Travel Delay (MYR 150 for every 6 consecutive hours)
(a) Overseas 1,500 3,900 4,200 5,100 –
(b) Malaysia 300 450 450 900 300
F2. Travel Re-route (MYR 200 for every 6 consecutive hours)
200 600 800 1,200 –
G. Baggage
1. Loss of Personal Baggage Items 2,000 5,000 7,000 10,000 1,000
Item Limit:
(a) Any one item 500 500 500 500 500
(b) Portable Computers including tabelts and the likes 1,000 1,000 1,500 2,000 1,000
(c) Baggage Damage per bag 250 250 250 250 250
2. Baggage Delay (MYR 200 for every 6 consecutive hours)
(a) Overseas 400 800 1,000 2,000 –
(b) Malaysia – 200 200 800 200
3. Fraudulent Use of Credit Card – 1,500 2,000 3,000 –
4. Loss of Travel Document 2,000 5,000 6,000 8,000 –
5. Loss of Personal Money 500 1,000 2,000 3,000 –
H. Personal Accident
Accidental Death & Permanent Disablement
(i) Age 30 days to 17 years 25,000 75,000 100,000 125,000 50,000
(ii) Age 18 years to 85 years 100,000 300,000 400,000 500,000 50,000
I. Personal Liability
500,000 1,000,000 1,000,000 1,000,000 500,000
J. Loss of Home Contents
1,000 2,000 3,000 5,000 –
K1. Car Rental Excess Charges
– 2,000 3,000 5,000 –
K2. Car Rental Vehicle Return Costs
– Included
in K1		 Included
in K1		 Included
in K1		 –
24/7 Worldwide Travel Assistance Included Included Included Included Included
Optional Add-On
L. Travel Delay Upgrade (MYR 150 for every 3 consecutive hours)
Overseas – 3,900 4,200 5,100 –
  • Note:
    • Please refer to the policy wording for the full details of the coverages and exclusions.
    • For Family Plan – The sum insured in total for all Insured Persons under Family Plan is 300% of the limit shown in the Schedule of Benefits except for the Item H – Personal Accident which remains a per person limit.

COUNTRIES COVERAGE

Cluster Destination
C1 • China
• Hong Kong
• Indonesia
• Japan
• Macao
• Singapore
• South Korea
• Taiwan
• Thailand
• Vietnam;
• Excluding Mongolia (Inner and Outer)
C2 • Brunei
• Cambodia
• India
• Lao People’s Democratic Republic
• Maldives
• Myanmar
• New Zealand
• Pakistan
• Philippines
• Sri Lanka;
• Including all countries listed in C1
C3 • Australia
• Mauritius
• Mongolia (Inner and Outer)
• Nauru
• Uzbekistan
• Europe
• Middle East (excluding Iraq, Palestine and Yemen);
• Including all countries listed in C1 and C2
C4 🌎 Worldwide, including
• Canada
• Iraq
• Nepal
• Palestine
• Tibet (China)
• United States of America
• Yemen;
• Including all countries listed in all other Clusters
Sanction Countries • Crimea Region, Cuba, Iran, North Korea and Syria
Excluded Destination • Antarctica
Domestic • Malaysia, beyond 50 km from your place of residence or business

WHAT YOU PAY

Premium Table (MYR)

Single Trip plan: 30 Days – 60 Years Old:

Plan Primary Essential Superior Premier
Cluster C1 C2 C1 C2 C3 C4 C1 C2 C3 C4 C1 C2 C3 C4
Individual
1- 5 Days 32 42 46 54 66 149 56 68 81 176 79 98 127 205
6 – 10 Days 43 60 64 76 88 210 81 94 109 247 116 138 176 288
11 – 20 Days 69 94 90 106 119 339 115 133 155 399 160 221 242 463
Per Week 30 41 34 46 65 192 39 54 76 225 46 63 87 262
Travel Delay Upgrade – – 4 Per Day (Optional)
Family
1- 5 Days 75 112 106 135 163 374 147 189 225 439 171 219 307 510
6 – 10 Days 117 149 151 191 246 526 207 262 329 618 236 288 407 720
11 – 20 Days 159 234 207 281 337 846 315 427 488 995 360 463 612 1,155
Per Week 74 102 83 113 160 479 98 133 187 562 113 155 218 654
Travel Delay Upgrade – – 10 Per Day (Optional)

Single Trip plan: 61 – 70 Years Old:

Plan Primary Essential Superior Premier
Cluster C1 C2 C1 C2 C3 C4 C1 C2 C3 C4 C1 C2 C3 C4
Individual
1- 5 Days 32 42 46 54 66 149 56 68 81 176 79 98 127 205
6 – 10 Days 43 60 64 76 88 210 81 94 109 247 116 138 176 288
11 – 20 Days 69 94 90 106 119 339 115 133 155 399 160 221 242 463
Per Week 30 41 34 46 65 192 39 54 76 225 46 63 87 262
Travel Delay Upgrade – – 4 Per Day (Optional)
Family
1- 5 Days 75 112 106 135 163 374 147 189 225 439 171 219 307 510
6 – 10 Days 117 149 151 191 246 526 207 262 329 618 236 288 407 720
11 – 20 Days 159 234 207 281 337 846 315 427 488 995 360 463 612 1,155
Per Week 74 102 83 113 160 479 98 133 187 562 113 155 218 654
Travel Delay Upgrade – – 10 Per Day (Optional)

Single Trip plan: 71 – 85 Years Old:

Plan Primary Essential Superior Premier
Cluster C1 C2 C1 C2 C3 C4 C1 C2 C3 C4 C1 C2 C3 C4
Individual
1- 5 Days – – 98 134 189 564 115 158 221 662 133 183 257 771
6 – 10 Days – – 137 188 265 793 161 221 312 933 186 257 361 1,083
11 – 20 Days – – 220 302 426 1,277 259 355 500 1,500 301 413 700 1,744
Per Week – – 133 181 255 765 155 213 300 899 181 248 349 1,045
Travel Delay Upgrade – – 4 Per Day (Optional)
Family
1- 5 Days – – 243 334 471 1,410 285 392 552 1,656 332 455 642 1,925
6 – 10 Days – – 341 470 661 1,982 401 552 777 2,330 466 641 903 2,707
11 – 20 Days – – 550 756 1,064 3,193 646 888 1,251 3,751 750 1,031 1,454 4,359
Per Week – – 330 453 638 1,913 388 532 750 2,248 450 618 871 2,613
Travel Delay Upgrade – – 10 Per Day (Optional)

Domestic Plan:

Plan Individual Family
Age 30 Days – 60 Years Old 61 – 70 Years Old 71 – 85 Years Old 30 Days – 60 Years Old 61 – 70 Years Old 71 – 85 Years Old
1 – 5 Days 19.08 19.08 68.90 46.64 46.64 171.72
6 – 10 Days 26.50 26.50 97.52 64.66 64.66 240.62
11 – 20 Days 42.40 42.40 155.82 104.94 104.94 389.02
21 – 30 Days 67.84 67.84 249.10 166.42 166.42 620.10

Annual Multi-Trip Plan (Individual Only):

Plan Essential Superior Premier
Cluster C1 C2 C3 C4 C1 C2 C3 C4 C1 C2 C3 C4
18 – 60 Years Old 286 392 477 1,430 403 506 564 1,668 519 625 732 1,947
61 – 70 Years Old 530 720 1,007 3,020 620 840 1,185 3,565 720 980 1,380 4,130
Domestic Add On
18 – 60 Years Old 178.08 178.08 178.08
61 – 70 Years Old 381.60 381.60 381.60
Optional Upgrade
Travel Delay Upgrade 208 208 208

Note:

  • Primary Plan not applicable for C3 and C4.
  • Primary Plan not applicable for Annual Multi-Trip Plan
  • Domestic Add-on is inclusive of 6% Service Tax (ST)

DISCLOSURE

Product Disclosure Sheet
Please read this Product Disclosure Sheet before you decide to take out the Travel Guard insurance policy. Be sure to also read the stipulated general terms and conditions of the policy.

What is this product about?

This product provides compensation in the event of injury, disability or death caused by a sudden and unforeseen accident, medical expenses incurred as a result of an accident or illness, travel inconvenience, and travel assistance for domestic and overseas trips. For domestic trips, coverages for Personal Accident and Medical and Associated Expenses benefits are confined to accidental causes only. This cover can be purchased by an individual person for themselves, their accompanying spouse, and dependent children. You will have immediate access to 24/7 worldwide travel assistance in case of an emergency situation when you are abroad. You have an option of Single Trip or Annual Multi-Trip coverages depending on the plan type selected.

Who is eligible to purchase this product?

(a) You must be either a Malaysian citizen, Malaysian permanent resident, or a holder of a valid work permit or employment pass (of which your place of employment must be in Malaysia during the policy period), dependent pass, student pass, or long-term social visit pass (not including a traveling visa issued by the relevant governmental authority in Malaysia) with full rights to enter into and return to Malaysia regardless of medical status;
(b) You must be returning to your home (primary residence within Malaysia) at the end of your travel or be intending to return home on completion of your travel;
(c) Your travel pre-arrangements must be made and paid for in Malaysia prior to your trip, and your trip must commence in Malaysia; and
(d) You need to be a resident in Malaysia.

What are the covers/benefits provided?

Please refer to the schedule of benefits in the brochure. The key benefits covered by this product include:
(a) Medical and Associated Expenses;
(b) Personal Accident;
(c) 24/7 Worldwide Travel Assistance; and
(d) In the event you are diagnosed with COVID-19, we will cover you for COVID-19 coverages including Medical and Emergency Evacuation & Repatriation Expenses, Travel Cancellation, Travel Curtailment, and Quarantine Allowance benefits (applicable for Superior or Premier plan only).

Note: Please refer to the policy wording for the full details of the coverages and exclusions.

Single Trip Plan

  • Duration of cover ranges from 1 to 5 days to a maximum of 180 consecutive days for overseas trips and a maximum of 30 consecutive days for domestic trips.

Annual-Multi Trip Plan

  • Duration of cover is for one year with an unlimited number of trips made during the policy period. The maximum duration for each overseas trip is 90 consecutive days and each domestic trip is 30 consecutive days.

How much premium do I have to pay?

(a) Please refer to the Premium Table in the ‘What You Pay’ tab.
(b) Premium is payable based on the number of days the insured is traveling, age, destination and plan type selected for Single Trip plans.
(c) As for Annual Multi-Trip plans, premium is payable based on destination, age and plan type selected.
(d) Please note that premium for DomesticPlans will be subjected to Service Tax (ST).
(e) The policy is not effective unless the premium payable has been paid.
(f) Payment can be made by cash, cheque, credit card or debit card.

What are the fees and charges that I have to pay?

(a) Commission: 25% of premiums (which is included in the premium charged)
(b) Stamp duty: MYR 10.00
(c) Service Tax (ST) of 6% is applicable only to Domestic Plan and Domestic Add-on

What are some of the key terms and conditions that I should be aware of?

(a) Purchase of Policy: Purchase of policy needs to be made prior to the commencement of your trip.
(b) Importance of Disclosure: You must take reasonable care to ensure that all your answers to the questions are full, complete, correct and honest and to the best of your knowledge. You also have a duty to inform us of any change in the information given to us earlier before we issue the policy schedule to you, before you renew or change any of the terms of your policy. If you don’t, your policy may be cancelled, or treated as if it never existed, or your claim rejected or not fully paid.
(c) Claims: Claims documents can be submitted via email to [email protected] as soon as practicable but no later than 90 days from the date of the incident. If you are unable to complete the claim documents within 90 days due to reasonable cause, the documents must be submitted no later than 1 year from the date of incident.
(d) Number of policies: You can only be covered under one policy in respect of this insurance with AIG Malaysia Insurance Berhad.
(e) Age:The eligible age is from 30 days up to 85 years for Single Trip Plan and 18 years up to 70 years for Annual Multi-Trip Plan. Age is determined as at policy expiry date.
(f) Maximum Trip Period:
i. Overseas Trip:
• Single Trip Plan: each trip shall not exceed 180 consecutive days;
• Annual Multi-Trip Plan: each trip shall not exceed 90 consecutive days;
ii. Domestic Trip:
• Each trip shall not exceed 30 consecutive days. (Single Trip Plan & Annual Multi-Trip Plan).
(g) Renewal & Upgrade: Available for Annual Multi-Trip Plan only and is subject to our consent.
(h) Economic Sanctions: We shall not be deemed to provide cover and we shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose us, our parent company or our ultimate controlling entity to any sanctions, prohibitions or restrictions under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Uni on or the United States of America. 

 

Can I cancel my policy?

(a) Single Trip Plan
Cancellation for Single Trip Plan is at our discretion. Any cancellation will be made on the date of your request provided that it is prior to the commencement of the trip. We will refund the premium to you provided no claim has been or will be submitted by you. No cancellation request will be entertained after the commencement of your trip.

(b) Annual Multi-Trip Plan
You may cancel this policy by giving us notice in writing. Cancellation for an Annual Multi-Trip Plan will take effect from the 1st day of the next calendar month following the receipt of cancellation notice. We will refund the premium to you for the unexpired term provided no claim has been or will be submitted by you. 

What are the major exclusions under this policy?

We shall not be liable under any section for any claim arising out of, based upon or attributable to:
(a) your involvement or you taking part in any:
(i) manual work which includes but is not limited to:
• Underground work, mining work, military duties, offshore work, construction work, or outside building or installation work exceeding 3 meters in height;
• Work that involves heavy machinery, explosives or hazardous materials;
• Work as a diver, lifeguard, taxi driver, bus driver or other commercial vehicle or heavy vehicle driver, dispatch rider or delivery person;
• Work of a manual nature that involves specialist equipment and training, or work that presents risk of serious injury including but not limited to oil riggers, fishermen, crane operators or welders.
(ii) Missionary work and related travel;
(iii) Humanitarian work and related travel;
(iv) Naval, military or air-force service or operation;
(v) Professional sports or where a periodic income or financial reward of any kind is received;
(vi) Aerial activities;
(b) Activities relating to:
(i) Extreme sports and sporting activities;
(ii) Competition sports;
(iii) Racing other than on foot;
(iv) Diving beyond 30 meters in depth;
(v) Mountaineering;
(vi) Trekking above 3000 meters;.
(c) Suicide or intentional self-inflicted injuries or an attempt to do so while being sane or insane;
(d) During air travel unless as a fare paying passenger in a licensed private or commercial aircraft;
(e) Violation of law;
(f) Mental or nervous disorders;
(g) Any illness, disease, injury, including symptoms, suffered by you, your relative, business associate or travelling companion which in the l year period before the travel start date and time:
• First manifested itself, worsened, became acute exhibited symptoms which would have caused an ordinarily prudent person to seek diagnosis, care or treatments;
• Required taking prescribed drugs or medicine, or tests or further investigation had been recommended by a medical practitioner; or
• Was treated by a medical practitioner or treatments had been recommended by a medical practitioner.

It shall also mean any congenital, hereditary, chronic or ongoing condition of yours, your relative, business associates or travelling companion which you or they are aware of, or could reasonably be expected to be aware of, before the travel start date and time.
Chronic means any condition that persists or is expected to persist for longer than a year and after that time is likely to recur. These include but are not limited to: arthritis, cardiovascular disorders, cancer (carcinoma/carcinoma in situ/malignant tumors), epilepsy, hemophilia, lupus, motor neuron disease, multiple sclerosis disease, muscular dystrophy, Parkinson’s disease, renal-kidney disease, respiratory disorder.
(h) Acquired Immune Deficient Syndrome (AIDS) or Human Deficiency Virus (HIV);
(i) Nuclear, chemical or biological materials;
(j) War;
(k) Any loss, injury, damage or legal liability arising directly or indirectly from planned or actual travel in, to, or through the Crimea Region, Cuba, Iran, North Korea or Syria;
(l) Trips undertaken against the advice of a doctor or when the purpose of travel was to obtain any form of medical treatments, consultation or advice;
(m) Failure to take reasonable precautions to avoid a claim under the policy following the warning through or by general mass media;
(n) Any circumstances you have been made aware of prior to the purchase of the policy.

Note: This list is non-exhaustive. Please refer to the policy wording for the full list of exclusions under this product.

What do I need to do if there are changes to my contact / personal details?

It is important that you inform us of any change in your life profile which would affect your risk profile.

Where can I get further information?

Should you require additional information about this policy, please refer to the insurance info booklet on “Travel Insurance”, available at all our branches or you can obtain a copy from an insurance agent.

If you have any enquiries, please contact us at:
AIG Malaysia Insurance Berhad
Menara Worldwide,
No 198, Jalan Bukit Bintang,
55100 Kuala Lumpur, Malaysia.
Telephone: 1800 88 8811
E-mail: [email protected]

Other types of Personal Accident cover available.

Please refer to our travel advisor.

IMPORTANT NOTE:

You are advised to note the scale of benefits for death and disablement in your insurance policy. You must nominate a nominee and ensure that your nominee is aware of the personal accident policy that you have purchased. All nominations require the completion of the nomination form. The original physical form is a mandatory document required in the event of a claim. In the absence of the form, we will be guided by Paragraph 8 of Schedule 10 of the Financial Services Act 2013 when paying policy monies upon death of a policyholder. You should read and understand the insurance policy and discuss with the agent or contact the insurance company directly for more information.

You should read and understand the contract terms and discuss further with the Insurance Company if you require more information or if there are any terms that you do not understand before accepting the policy contract. If there are any questions regarding the terms and conditions of this Policy wordings, the Policyholder may contact the Insurance Company.

By accepting the policy contract, you acknowledge that the key contract terms have been adequately explained by the agent or Company to you and that the policy contract offered is suitable for your insurance needs.

AIG is subject to compliance with US sanctions laws. For this reason, this policy does not cover any loss, injury, damage or liability, benefits or services directly or indirectly arising from or relating to a planned or actual trip to or through Cuba, Iran, Syria, North Korea, or the Crimea region. In addition, this policy does not cover any loss, injury, damage or liability to residents of Cuba, Iran, Syria, North Korea, or the Crimea region. Lastly, this policy will not cover any loss, injury, damage or legal liability sustained directly or indirectly by any individual or entity identified on any applicable government watch lists as a supporter of terrorism, narcotics or human trafficking, piracy, proliferation of weapons of mass destruction, organized crime, malicious cyber activity, or human rights abuses.

AIG Malaysia Insurance Berhad is licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.

The information provided in this Product Disclosure Sheet is valid as of September 2021.

HOW TO CLAIM

Filing a claim with AIG Travel Insurance is a straightforward process designed to ensure quick and efficient resolution. Whether you’ve encountered unexpected travel disruptions, medical emergencies, or other covered incidents, we’re here to assist you. Follow these three simple steps to submit your claim, receive a decision, and get your payout. Make sure to prepare all necessary documents, including the claim form and your bank account details, to avoid delays. Rest assured, AIG is committed to supporting you every step of the way.

SUBMISSION
Submit your claim to [email protected]
You need to include:
• Relevant claim form and supporting documents
• Bank account details
DECISION
If your supporting documents are sufficient, we will send you an email to notify you of the claim decision.
PAYOUT
If your claim is payable, we will pay via bank transfer and notify you through email or SMS.
DOWNLOAD THE CLAIM FORM9
DOCUMENT CHECKLIST FOR TRAVEL CLAIM
INSTRUCTIONS

  1. This checklist provides the reference list for your claim type.
  2. Check below for the required documents to support your claim.
  3. Include only those documents that are appropriate for your claim.
  4. The required documents must be fully submitted for speedy processing.
    Note: Further documents may be requested where necessary.
 Basic Documents Required For All Claims

  • Fully completed Travel Claim Notification Form
  • Fully completed E Payment Form
  • Proof of Travel/Flight Itinerary showing the departure and arrival in Malaysia
  • Original proposal form for manual policy/certificate
Medical Reimbursement & Daily Hospital Income

  • Doctor’s Diagnosis Note or Medical Certificate
  • Hospital Billing Statement
  • Original Medical or Payment Receipts
 Travel Delay

  • Written Confirmation from Airline confirming the original departure time, actual departure time, and reason for delay
  • Email/ Letter/ SMS notification from the airline that shows the date and time notification on the delay
Overseas COVID-19 Diagnosis Quarantine Allowance

  • Written confirmation from overseas hospital/authorities confirming the duration of quarantine
  • COVID-19 test report
  • Original receipt for meals and accommodation incurred during the quarantine period
 Travel Missed Connection

  • Written Confirmation from Airline confirming the delay duration of the incoming flight
  • Letter from Airline confirming the Actual Time of Arrival at the Airport of the Transit Point and Actual Departure Time of the Connecting Flight
  • Flight itinerary and Boarding Passes of the affected sectors
Emergency Telephone Charges

  • Payment Receipt for the emergency telephone charges incurred during hospitalisation
 Trip Cancellation / Alteration / Curtailment / Interruption

  • Travel Agency & Airlines Terms and Conditions Documents
  • Letter from Travel Agent & Airline confirming the insured’s absence and refund amount (if NIL refund, please state reason)
  • Original Invoice and Payment Receipts confirming the Full Amount Paid
  • Medical Report that confirming unfit to commence the trip or continue with the trip
  • Proof of Relationship (e.g. Marriage Certificate, Birth Certificate)
  • Death Certificate (if applicable)
  • Original receipt for the payment of the postponement charges (applicable for Travel Alteration Claim)
  • Other relevant supporting documents such as police report, court letter, etc. (if applicable)
Loss of Baggage and Personal Effects Loss

  • Property Irregularity Report (PIR)
  • Official letter from airline confirming the loss and their offer of compensation (for baggage and personal effects checked-in with common carrier)
  • Original receipts of lost item
  • Police report detailing the circumstances (for baggage and personal effects not checked-in with common carrier)
Baggage Damage during Air Common Carrier Travel

  • Property Irregularity Report issued by the common carrier company
  • Photograph of the damaged baggage
  • Purchase Receipt of Damaged Item / repair receipt (if available)
 Repatriation of mortal remains/ Funeral Expenses Overseas

  • Original invoice and receipts incurred to repatriate mortal remains to return to Malaysia
  • Original invoice and receipts for a funeral or cremation at overseas
Baggage Delay

  • Property Irregularity Report issued by the common carrier company
  • Baggage Return Delivery Note
 Compassionate Visit

  • Hospital Billing Statement Depicting the Duration of Hospitalisation
  • Medical Report
  • Proof of Relationship (e.g. Marriage Certificate, Birth Certificate, etc.)
  • Death Certificate (if applicable)
  • Original receipt for the payment of the postponement charges (applicable for Travel Alteration Claim)
Loss of Money

  • Police Report detailing the circumstances of loss
 Accidental Death & Permanent Disablement

  • Detailed post mortem / autopsy report
  • Death certificate and burial/cremation permit
  • Police Report detailing the circumstances of loss
  • Nominee’s/Claimant’s Identity Card and Proof of relationship
  • Letter of Administration/Distribution Order if no Nomination or Nominee is below the age of 18 years
  • Medical report or any other documents to substantiate the claim
  • Medical Specialist Report confirming the Permanent Disablement and percentage of disability for assessment done at the end of 12 months after the alleged accident
Loss of Travel Documents

  • Original Receipts for Passport Replacement, Additional Hotel Accommodation, Transportation, Meals and Communication Expenses
  • Police Report detailing the circumstances of loss
Loss of Home Contents

  • Police Report detailing the circumstances
  • Photographs of the damaged property/household content
  • Original Receipt of Lost Items
 Personal Liability

  • Police Report (if any)
  • Incident report issued by authority or third party
  • List of demands sent by third party
  • Note: Any lawsuit, demand, claim or proceeding of any types relating to the incident of which the claimant becomes aware of, and received from the third party claimant, should be immediately forwarded to AIG Malaysia
Car Rental Excess Charges

  • Car Rental Agreement
  • Photos showing the condition of damaged vehicle
  • Payment Receipt of Car Rental Excess and Return Cost
  • Police Report (if applicable)
No liability should be admitted and no settlement or promise of payment should be reached or made to the third party without AIG GI prior approval.
WHETHER YOU ARE TRAVELLING FOR BUSINESS OR FOR LEISURE, TRAVEL GUARD® IS ALWAYS THERE FOR YOU.

Planning your next adventure? Safeguard your trip with AIG Travel Insurance, exclusively available through Holiday Tours. Whether it’s unforeseen delays, medical emergencies, or lost belongings, AIG Travel Insurance ensures you’re covered every step of the way. Don’t let unexpected situations ruin your travel experience—secure peace of mind for you and your loved ones today.

Contact us at +603 2303 9100 or email us at [email protected] to learn more or to purchase your policy now. Your journey deserves the best protection!

CLICK TO CALL

CLICK TO SEND EMAIL

Learn more about the Holiday Tours Travel Safety Promise >>>