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 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 4 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

Benefit (Per Trip)	Plan Advance	Plan Supreme
Benefit (Per Trip)	Coverage (RM)
Personal Accident
Accidental Death	250,000	500,000
Permanent Disablement	250,000	500,000
Medical & Other Necessary Expenses
Medical Expenses	300,000	600,000
Alternative Medicine Treatment	500	1,000
Post-Hospitalisation Treatment	30,000	60,000
Compassionate Visitation	5,000	7,500
Child Care Benefit	10,000	20,000
Hospital Allowance
Daily Income Benefit (up to 60 days)	250 per day	500 per day
Home Care Benefit	Up to 1,000	Up to 2,000
Emergency Evacuation & Repatriation
Emergency Medical Evacuation	Unlimited	Unlimited
Emergency Medical Repatriation	Unlimited	Unlimited
Repatriation of Mortal Remains	Unlimited	Unlimited
Travel Inconveniences
Personal Luggage and Personal Effects	5,000	7,500
Personal Money	5,000	7,500
Travel Documents	5,000	7,500
Loss Of Laptop	1,000	2,000
Luggage Delay (RM200 per 6 hours)	1,000	2,000
Travel Delay (RM200 per 6 hours)	2,000	3,600
Trip Cancellation	20,000	40,000
Trip Curtailment	20,000	40,000
Trip Overbooked (RM500 per 4 hours)	1,000	2,000
Trip Misconnection (RM250 per 6 hours)	250	500
Travel Postponement	2,000	3,000
Hijacking Inconvenience (RM1,000 per 24 hours)	10,000	20,000
Terrorism	Covered	Covered
Missed Departure	1,000	2,000
Loss Of Deposit Due To Abscondment Or Insolvency Of Travel Agency	10,000	20,000
Credit Card Indemnity	6,000	10,000
Personal Liability	1,000,000	1,000,000
Travel Re-Route (at least 6 hours)	600	1,200
Rental Car Insurance Excess	1,000	2,000
Golf Equipment	2,500	5,000
Ransom Payment As A Result Of Kidnapping & Hostage	100,000	200,000

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

Eligibility

All Malaysians, Malaysian Permanent Residents, Work Permit Holders and Employment Pass Holders or otherwise legally employed in Malaysia who are between 31 days to 80 years old, both ages inclusive

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 at any time and from time to time. 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
	If your house in Malaysia has been broken into while you were on vacation, we’ll make a lump sum payment for any loss or damage to your household contents.

Table of Benefits

Benefit		Overseas
Benefit	Domestic / Inbound (RM)	Advance (RM)	Supreme (RM)
Personal accident	100,000*	200,000*	300,000*
Medical expenses	20,000*	200,000*	300,000*
Post hospitalisation treatment	30,000,*	30,000*
Child care benefit	N/A	5,000*	7,500*
Compassionate care or visit	1,000*	5,000*	7,500*
Daily hospital income	200	250
Daily hospital ICU income	N/A	250
Alternative medicine	250*	500*	1,000*
Emergency medical evacuation and repatriation	1,000,000*	5,000,000*	10,000,000*
Funeral expenses	5,000*
Personal luggage and personal effects	1,000*	5,000*	7,500*
Damage or loss of notebook computer	N/A	1,000*	1,000*
Luggage delay	600	800	1,000
Personal money	N/A	500*	1,000*
Travel documents	N/A	5,000*	7,500*
Trip cancellation	2,000,*	20,000*	30,000*
Trip curtailment	N/A	20,000*	30,000*
Travel delay	1,000	3,600	5,000
Missed departure	1,000*	2,000*	3,000*
Personal Liability	1,000,000*
Hijacking inconvenience	1,000
Overbooked flight	N/A	2,000	3,000
Travel postponement	N/A	2,000*	3,000*
Loss of deposit due to abscondment or insolvency of travel agency	5,000
Travel misconnection	250	500	750
Credit card indemnity	3,000*	6,000*	10,000*
Home care	N/A	1,000	2,000
Emergency medical assistance	Available
Terrorism	Covered

* Amount up to
** Not available for Inbound trip

Eligibility

All Malaysians, Permanent Residents, Work Permit Holders, Employment Plan Holders or otherwise those legally employed in Malaysia who are between nineteen (19) and eighty (80) years old (both ages inclusive), for 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	Domestic/Inbound (RM)
Period of Insurance	Individual	Individual & Spouse	Family
1 – 5 days	16	26	36
6 – 10 days	19	33	45
11 – 15 days	24	42	61
16 – 20 days	30	53	77
21 – 31 days	40	69	97
Additional Week	8	16	24

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 Domestic / Inbound and Region 1 (a) are subject to applicable tax as imposed by the relevant authorities at any time and from time to time while for Region 1 (b), Region 2 and Region 3, tax is not applicable.
Please take note that RM10 stamp duty shall be charged.

Proposal Form