Travel Insurance | RHB Malaysia

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Annual Travel Protector Insurance

High medical coverage when overseas, up to RM600,000 (including COVID-19 coverage)
Emergency evacuation and repatriation, up to RM3,000,000
Covers travel inconveniences such as cancellations, curtailments or delays

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Travel Protector Plus Insurance

Full coverage wherever you are in the world
Medical expenses, up to RM500,000 (including overseas COVID-19 coverage)
Medical evacuation and repatriation
Credit card indemnity

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Disclaimer
The information above is just a summary of this product. For more information on precise terms, exclusions and conditions, you may read the policy wordings, product disclosure sheet and brochure or you may send in your enquiry.

Benefits

1.	Wider Coverage Across Malaysia
	Coverage from East to West or vice versa in Malaysia.
2.	Medical Coverage While You Are Abroad
	Medical expenses and other necessary expenses such as hospitalisatio, alternative medicine, post hospitalization treatment, compassionate visitation and child care benefits are covered depending on the plan selected. Overseas medical expenses coverage now includes COVID-19.
3.	Covers Trip Overbookings
	If your flight is overbooked and you are denied boarding on a commercial scheduled flight, this plan compensates you RM500 every 6 hours until your next available flight.
4.	Accidental Death Or Permanent Disability Coverage
	Covers unexpected accidental death or permanent disability up to RM500,000.
5.	Covers Travel Inconveniences
	Get compensation against mishaps such as trip cancellations, curtailments or travel delays during your trip. Set aside your worries and just enjoy your vacation.
6.	Emergency Medical Assistance Services
	When emergency strikes, stay calm as medical assistance is just a phone call away at +603-7965 3833. Our appointed medical assistance provider is available 24 hours a day, 7 days a week, 365 days a year to service you when you are abroad.

Table of Benefits

No	Benefits, Per Trip	Advance Plan	Supreme Plan
	Personal Accident
1	Accidental Death	250,000	500,000
2	Permanent Disablement	250,000*	500,000*
	Medical & Other Necessary Expenses (Including Covid-19 Medical Expenses)
3	Medical Expenses	300,000*	600,000*
4	Alternative Medicine Treatment	500*	1,000*
5	Follow Up Treatment	30,000*	60,000*
6	Compassionate Visitation	5,000*	7,500*
7	Child Care Benefit	10,000*	20,000*
	Hospital Allowance
8	Daily Income Benefit (up to 60 days)	250 per day	500 per day
	Emergency Evacuation & Repatriation
9	Emergency Medical Evacuation	2,000,000	3,000,000
10	Emergency Medical Repatriation
11	Repatriation of Mortal Remains
	Travel Inconveniences
12	Personal Luggage and Personal Effects	5,000*	7,500*
13	Personal Money	5,000*	7,500*
14	Travel Documents	5,000*	7,500*
15	Damage or Loss of Laptop Computer	1,000*	2,000*
16	Luggage Delay (RM200 per 6 hours) Upon arrival at the scheduled destination while on trip (excluding return journey to your Home Territory in Malaysia)	1,000	2,000
17	Travel Delay (RM200 per 6 hours)	2,000	3,600
18	Trip Cancellation	20,000*	40,000*
19	Trip Curtailment	20,000*	40,000*
20	Trip Overbooked (RM500 per 6 hours)	1,000	2,000
21	Trip Misconnection	250* (6 hours)	500* (6 hours)
22	Travel Postponement	2,000*	3,000*
23	Hijacking Inconvenience (RM1,000 per 24 hours)	10,000	20,000
24	Full Terrorism Cover (Extended to cover insured person for any accidental death or disablement due to act of Nuclear, This policy is hereby extended to cover insured person for any accidental death or disablement due to act of Nuclear, Biological and Chemical Terrorism except your direct Participation in terrorism acts.	Covered	Covered
25	Missed Departure	1,000*	2,000*
26	Loss Of Deposit Due To Abscondment Or Insolvency Of Travel Agency	10,000*	20,000*
27	Credit Card Indemnity	6,000*	10,000*
28	Personal Liability	1,000,000*	1,000,000*
29	Travel Re-Route (at least 6 hours)	600	1,200
30	Rental Car Insurance Excess	1,000*	2,000*
31	Golf Equipment	2,500*	5,000*
32	Ransom Payment As A Result Of Kidnapping & Hostage	100,000	200,000
33	Home Care Benefit	1,000	2,000

Note: Terms and conditions apply. Please refer to policy documents for full details.
*Amount up to

Eligibility

All Malaysians, Malaysian Permanent Residents, holders of a valid working permit or dependent pass in Malaysia aged between thirty (30) days and eighty (80) years old (both ages inclusive) who depart from Malaysia as a passenger.

Premium Rates

Premium (Per Insured Person)	Plan Advance (RM)	Plan Supreme (RM)
Region 1	284	401
Region 2	369	542
Region 3	435	638

Premiums shown are subject to applicable tax as imposed by the relevant authorities. Please take note that RM10 of stamp duty shall be charged.

Proposal Form

Form

e-Flyer

Download

Brochure

e-Flyer

Policy Wordings

Annual Travel Protector Insurance Policy

Product Disclosure Sheet

Product Disclosure Sheet (PDS)

Benefits

1.	Worldwide Coverage By Region
	You’ll be provided full coverage wherever you are in the world.
2.	Overseas medical expenses coverage
	Covers up to RM500,000 including medical expenses due to COVID-19
3.	International Travel Assistance
	Our appointed 24-hour travel assistance provider is just a call away if you find yourself in a difficult situation abroad.
4.	Medical Evacuation And Repatriation Benefits
	We’ll reimburse you for expenses incurred if you need to be evacuated to the nearest hospital or need to be transported back to your home country.
5.	Credit Card Indemnity
	We’ll pay off your outstanding credit card expenses incurred during your trip in the event of death or permanent total disablement due to an accident.
6.	Home Care Benefit
	We will compensate the indicated amount in the Table of Benefits in the event of a burglary resulting in loss or damage to household contents within your residence in Malaysia which was left vacant for the full duration of your Trip.

Table of Benefits

Benefit
Benefit		Advance (RM)	Supreme (RM)
SECTION 1 – Personal Accident Benefit	Accidental Death	200,000*	300,000*
	Total and permanent loss of sight in one or both eyes or total loss by physical severance or total and permanent loss of use of one or both limbs.
	Permanent and total disablement from engaging in employment or occupations of any and every kind
SECTION 2 – Medical and Other Expenses (Including COVID -19 Medical Expenses)	Medical and Other Expenses	20,000*	200,000*
	Follow up Treatment up to 30 days	30,000*	30,000*
	Child care benefit	5,000*	7,500*
	Compassionate Care/Visit	5,000*	7,500*
	Daily Hospital Income (250 per day up to 30 days)	7,500	7,500
	Daily Hospital ICU Income (250 per day up to 30 days)	7,500	7,500
	Alternative Medicine	1,000*	1,000*
SECTION 3 – Medical Evacuation and Repatriation Benefit	a) Emergency Medical Evacuation	2,000,000*	3,000,000*
	b) Emergency Medical Repatriation	2,000,000*	3,000,000*
	Funeral Expenses	5,000*	5,000*
SECTION 4 – Personal Luggage & Personal Effects (Maximum limit for any one item is RM500 except for a Laptop Computer, for which the limit is up to RM1,000)		7,500*	10,000*
SECTION 5 – Luggage Delay		800 (200 every 6 hours)	1,000 (250 every 6 hours)
SECTION 6 – Personal Money & Travel Documents		6000*	6,000*
SECTION 7 – Trip Cancellation		20,000*	30,000*
SECTION 8 – Trip Curtailment		20,000*	30,000*
SECTION 9 – Travel Delay		3,600 (200 every 6 hours)	5,000 (250 every 6 hours)
SECTION 10 – Missed Departure		2,500*	3,000*
SECTION 11 – Personal Liability		1,000,000*	1,000,000*
SECTION 12 – Hijacking Inconvenience		3,000	3,000
SECTION 13 – Overbooked Flight		2,000 (500 every 6 hours)	3,000 (500 every 6 hours)
SECTION 14 – Travel Postponement		2,000*	3,000*
SECTION 15 – Loss of Deposit due to Abscondment or Insolvency of Travel Agency (Up to RM3 million per company)		5,000 per person (3 million* per company)	5,000 per person (3 million* per company)
SECTION 16 – Travel Misconnection		500 (6 hours)	750 (6 hours)
SECTION 17 – Credit Card Indemnity		6,000*	10,000*
SECTION 18 – Home Care		1,000	2,000
SECTION 19 – Emergency Medical Assistance Services		Available
SECTION 20 – Full Terrorism Cover		Covered

* Amount up to

Eligibility

All Malaysians, Malaysian Permanent Residents, holders of a valid working permit or dependent pass in Malaysia aged between nineteen (19) and eighty (80) years old (both ages inclusive) who depart from Malaysia as a passenger. This also applies to insured adults and dependent children between thirty (30) days and nineteen (19) years old (both ages inclusive), or up to twenty-three (23) years if they are still studying, unmarried and not gainfully employed.

Premium Rates