Travel Insurance | RHB Malaysia

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Annual Travel Protector Insurance

High medical coverage when overseas, up to RM600,000
Unlimited coverage for emergency medical assistance and evacuation
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 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 hospitalisation, alternative medicine, post-hospitalisation treatment, compassionate visitation and child care benefits are covered depending on the plan selected.
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
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	Unlimited	Unlimited
10	Emergency Medical Repatriation	Unlimited	Unlimited
11	Repatriation of Mortal Remains	Unlimited	Unlimited
	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)	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*	500*
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, 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 fifteen (15) days and eighty (80) years old (both ages inclusive) who depart from Malaysia as a passenger.

Premium Rates

Annual Premium (Per Insured Person)	Plan Advance (RM)	Plan Supreme (RM)
Region 1	272.64	378.30
Region 2	319.81	444.34
Region 3	377.36	523.58

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

Brochure

Brochure

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.	International Travel Assistance
	Our appointed 24-hour travel assistance provider is just a call away if you find yourself in a difficult situation abroad.
3.	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.
4.	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.
5.	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	Medical and Other Expenses	20,000*	200,000*
	Follow Up Treatment up to thirty (30) days	30,000*	30,000*
	Child care benefit	5,000*	7,500*
	Compassionate care or visit	5,000*	7,500*
	Daily Hospital Income up to thirty (30) days	250 per day	250 per day
	Daily Hospital ICU Income up to thirty (30) days	250 per day	250 per day
	Alternative Medicine	500*	500*
SECTION 3 – Medical Evacuation and Repatriation Benefit	a) Emergency Medical Evacuation	5,000,000*	10,000,000*
	b) Emergency Medical Repatriation	5,000,000*	10,000,000*
	Funeral Expenses	5,000*	5,000*
SECTION 4 – Personal Luggage and Personal Effects	Personal Luggage and Personal Effects	5,000*	7,500*
SECTION 4 – Personal Luggage and Personal Effects	Damage or Loss of Laptop Computer	1,000*	1,000*
SECTION 5 – Luggage Delay Trip cancellation		800 (200 every 6 hours)	1,000 (200 every 6 hours)
SECTION 6 – Personal Money Trip curtailment		500*	1,000*
SECTION 7 – Travel Documents Travel delay		5,000*	7,500*
SECTION 8 – Trip Cancellation Missed departure		20,000*	30,000*
SECTION 9 – Trip Curtailment Personal Liability		20,000*	30,000*
SECTION 10 – Travel Delay Hijacking inconvenience		3,600 (200 every 6 hours)	5,000 (200 every 6 hours)
SECTION 11 – Missed Departure Overbooked flight		2,000*	3,000*
SECTION 12 – Personal Liability Travel postponement		1,000,000*	1,000,000*
SECTION 13 – Hijacking Inconvenience [Maximum up to three thousand ringgit (RM3,000)] Loss of deposit due to abscondment or insolvency of travel agency		1,000 for every 24 hours	1,000 for every 24 hours
SECTION 14 – Overbooked Flight Travel misconnection		2,000 (500 every 6 hours)	3,000 (500 every 6 hours)
SECTION 15 – Travel Postponement Credit card indemnity		2,000*	3,000*
SECTION 16 – Loss of Deposit due to Abscondment or Insolvency of Travel Agency Home care		5,000 per person (3 million* per company)	5,000 per person (3 million* per company)
SECTION 17 – Travel Misconnection Emergency medical assistance		500 (6 hours)	750 (6 hours)
SECTION 18 – Credit Card Indemnity Terrorism		6,000*	10,000*
SECTION 19 – Home Care		1,000	2,000
SECTION 20 – Emergency Medical Assistance Services		Available
SECTION 21 – Full Terrorism Cover (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

* 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 fifteen (15) 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

Period of Insurance	Plan Advance (Overseas) (RM)
	Region 1 (a)			Region 1 (b)			Region 2			Region 3
	Individual	Individual & Spouse	Family	Individual	Individual & Spouse	Family	Individual	Individual & Spouse	Family	Individual	Individual & Spouse	Family
1 – 5 days	27	45	58	27	45	58	36	64	82	45	78	103
6 – 10 days	40	71	92	40	71	92	55	99	129	69	123	162
11 – 15 days	54	97	128	54	97	128	74	135	178	94	170	225
16 – 20 days	68	122	161	68	122	161	93	171	224	117	215	285
21 – 31 days	88	161	213	88	161	213	122	225	298	154	284	373
Additional Week	19	30	39	19	30	39	24	41	54	30	50	66

Period of Insurance	Plan Supreme (Overseas) (RM)
	Region 1 (a)			Region 1 (b)			Region 2			Region 3
	Individual	Individual & Spouse	Family	Individual	Individual & Spouse	Family	Individual	Individual & Spouse	Family	Individual	Individual & Spouse	Family
1 – 5 days	39	70	91	39	70	91	51	96	125	65	121	159
6 – 10 days	56	103	134	56	103	134	75	141	184	95	179	237
11 – 15 days	74	137	181	74	137	181	101	189	252	129	245	324
16 – 20 days	90	169	222	90	169	222	123	233	308	157	301	399
21 – 31 days	124	236	311	124	236	311	171	327	432	222	423	560
Additional Week	25	47	60	25	47	60	36	64	87	45	82	113

Premiums shown for Region 1(a) - Domestic are subject to applicable tax as imposed by the relevant authorities while for Region 1(b) - Overseas, Region 2 - Overseas and Region 3 - Overseas, tax is not applicable.
Please take note that RM10 of stamp duty shall be charged.

Proposal Form