Wherever your next adventure takes you,
Travel Insurance is always there for you.
With eight global service centres across the globe and a bevy of multilingual
staff on hand, help is just a phone call away. Better yet, our centres work
around the clock so there is always someone who can help you, no matter
what time of the day it is where you are.
When you call our service centres, we can help you with:
24/7 Worldwide Travel Assistance
AIG Travel
+603 2772 5600
Medical Services
Provider Referral
Telephone
Medical Advice
Lost Passport
Assistance
Embassy
Referral
Interpreter
Referral
Note : Please refer to policy wording for the full
details of coverage and exclusions
What We Cover
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 (prior to departure) ,
Travel Curtailment and Quarantine benefits.
(applicable to Basic, Standard or Deluxe Plan only).
COVID-19 Coverages
If you have to cancel or cut short your trip, we will
reimburse your forfeited travel and
accommodation expenses.
Cancellation OR Curtailment
If you are hospitalised due to accident or illness
(excluding pre-existing conditions), we will cover
the hospitalisation expenses incurred.
Medical Expenses
(including cashless hospital admission)
In the event of a medical emergency, we will either
transport you to an appropriate medical facility for
treatments or bring you back to Malaysia. In the
event of death due to accident or illness, we will
arrange to transport the remains back to Malaysia.
Emergency Medical Evacuation &
Repatriation of Mortal Remains
If your flight is delayed due to covered events, we
will pay RM150 for every 6 consecutive hours
delayed.
Travel Delay
Travel Delay
If your baggage gets delayed, we will pay RM150
every 6 consecutive hours delayed.
Baggage Delay
1. Medical Expenses (incurred Overseas), Emergency Medical Evacuation & Repatriation
Covered Conditions and Exclusions
• If You are diagnosed with COVID-19 whilst travelling Overseas, We will pay for the necessary and reasonable medical
costs incurred as a result of You contracting COVID-19 during Your Trip.
• If You contracted COVID-19 during Your Trip, We will cover the cost of emergency evacuation if deemed medically
necessary, which is Included within the Medical Expenses Incurred Overseas benefit.
• This benefit includes the cost of returning Your body or Your ashes to Malaysia up to the limit stated in the Policy.
• We will not cover any loss if You are travelling against doctor's advice.
Covered Conditions and Exclusions
• We will reimburse You up to RM500 per day as specified in the Schedule of Benefits according to Your selected plan,
per person for up to 14 consecutive days, if during Your Trip, You are tested positive for COVID-19, and as a result, are
unexpectedly placed into mandatory Quarantine outside of Malaysia.
• We will reimburse You the reasonable and necessary accommodation costs, meals or other expenses directly related
to Quarantine placement/admission arrangement process.
• This benefit will not apply where Quarantine measures are mandatory for all arriving passengers or Quarantine
mandates exist for all passengers from a particular country/region of origin. We will not cover any loss if You are
travelling against doctor's advice.
We Cover
• Additional expenses for accommodation & meals due
to quarantine.
• Transportation costs for travel to the quarantine
centre.
• Phone bill to call AIG Worldwide Travel Assistance
for quarantine arrangement.
• All fees and expenses under Quarantine
facilities/centre.
• First COVID-19 antigen test/PCR test kit that resulted
in you tested positive for COVID-19.
We DO NOT Cover
• Post quarantine additional expenses such as:
- Purchase/change a flight ticket to continue travel or return
home.
- Additional accommodation expenses (from end of
quarantine period to departure date from overseas back to
Malaysia).
- Any additional expenses incurred due to trip extension
(from end of quarantine period to departure date from
overseas back to Malaysia).
- Mandatory RTK/PCR test required by the airline before
boarding to continue travel or return home (after the
quarantine period).
• Unused portion of travel/tour package activities,
accommodation or transportation due to being placed in
quarantine.
We Cover
• Medical Expenses – medical, surgical, hospital, nursing
treatment, ambulance fee.
• Emergency medical evacuation – to move You to
another location for medical treatment.
• Cost of repatriation of Your body or ashes to Malaysia
in case of death due to COVID-19.
We DO NOT Cover
• Mandatory pre-arrival/pre-departure and on-arrival
COVID-19 screening tests (e.g., RTK, PCR) unless if the on-
arrival COVID-19 test result is positive and You need to be
quarantined, then this test will be covered under the
Quarantine benefit.
• Self-arranged evacuation & repatriation.
• COVID-19 vaccinations and related complications.
About COVID-19 Coverages
2. Out-of-country COVID-19 Diagnosis Quarantine (Reimbursement basis)
* In all cases, please call AIG Worldwide Travel Assistance immediately at 603-2772 5600 for assistance.
Covered Conditions and Exclusions
We will pay up to the amount shown in the Schedule of Benefits in Your Policy if the cancellation or postponement of Your
Trip, for which You have paid for under a contract and which is not refundable, is necessary and unavoidable as a result of
You or Your *Immediate Family Members being diagnosed with COVID-19 prior to the scheduled Trip departure date.
• We will not cover any Trip cancellation or Trip postponement solely due to epidemic- or pandemic-related travel
advisories issued by governments, health authorities or the World Health Organization, by or for destination country or
origin country. We will not cover any Trip cancellation or Trip postponement resulting solely from border closures,
Quarantine or other government orders, advisories, regulations or directives.
• We will not cover Trip cancellation or Trip postponement if You cancel Your Trip because of disinclination to travel,
change of mind or fear of travelling.
• We will not cover Trip cancellation or Trip postponement if an airline, hotel, travel agent or any other provider of travel
and/or accommodation has offered a voucher or credit or re-booking of the Trip for cancellation refund or
compensation.
• We will not cover any loss if You are travelling against a medical practitioner’s or doctor's advice, or any claim arising
from You acting in a way that goes against the advice of a medical practitioner or doctor (including, but not limited to,
travelling with COVID-19 symptoms).
Covered Conditions and Exclusions
We will pay up to the amount shown in the Schedule of Benefits if the disruption of Your Trip is necessary and unavoidable
because You or Your Immediate Family Members are diagnosed with COVID-19 while travelling and need to return to
Malaysia earlier than planned. In that event, We will cover:
1. reasonable and necessary travel and accommodation expenses for which You have paid for, and which are not
refundable.
2. reasonable and necessary additional travel costs to return to Malaysia.
• We will not cover Trip curtailment resulting solely from border closures, quarantine or other government orders,
advisories, regulations, or directives.
• We will not cover any loss if You are travelling against doctor's advice.
We Cover
• Cancellation: Prior to trip departure, if you contracted
and are tested positive for COVID-19, resulting in
hospitalisation and/or quarantine which prohibit, you
to continue your trip.
• Cancelled transportation, accommodation, tours /
activities, cost of visas which You have paid and are
non-refundable; or
• Postponement: if You intend to postpone your trip,
we will cover the fare difference or penalty charges to
reschedule Your trip.
We DO NOT Cover
• If cancelled flight/trip/accommodation costs are
refundable from other sources.
• If the airline/hotel/tour provider offered
voucher/credit/re-booking as a cancellation refund.
• If trip cancellation is due to someone, other than you or
your *immediate family member, tested positive of
COVID-19. For example, housemate, office colleague or
girl/boyfriend.
• You being a close contact but tested negative for COVID-
19.
• If you have done a COVID-19 test before buying the travel
insurance, and the test result could lead to a claim under
the policy.
We Cover
• If You or Your *Immediate Family Members (travelling
together) are placed into quarantine due to being COVID-
19 positive during your trip and upon completing the
quarantine period, you are further advised by the doctor
and AIG assessment on your medical condition, it is
necessary to cut short your trip and return home; or
• If your family member(s) is (are) COVID-19 positive (in
Malaysia) resulting in hospitalisation, and you decide to cut
short your trip and return home.
We DO NOT Cover
• If you decide to curtail your trip without doctor’s advice
or AIG Worldwide Travel Assistance approval.
• Additional costs incurred or forfeited costs not due to
trip curtailment such as:
-Additional accommodation, transportation or other
expenses, if you need to extend your Trip due to
quarantine for COVID-19 (from end of quarantine
period to departure date from overseas back to
Malaysia).
-Unused portion of travel/tour package activities,
accommodation or transportation due to being placed
in quarantine.
3. Travel Cancellation and Travel Postponement (Prior to trip departure)
4. Travel Curtailment
Schedule of benefits
What We Cover
Section
Benefits
Sum Insured Up To (RM)
Starter Basic Standard Deluxe Domestic
COVID
-19 Coverages
1
Medical Expenses (incurred Overseas) &
Emergency Medical Evacuation & Repatriation
of Mortal Remains
- 250,000 500,000 700,000 -
2
Out
-of-country COVID-
19 Diagnosis Quarantine
Allowance (Up to 14 days)
-
3,500
RM250 / day
4,200
RM300 / day
7,000
RM500 / day
-
3
Travel Cancellation and Travel Postponement
- 7,000 10,000 15,000 -
4
Travel Curtailment
- 7,000 10,000 15,000 -
A
Medical Related Benefits
Accident & Illness
Accident
Only
1
Medical Expenses
Deductible of RM200 for
mountain sickness
claim
100,000 250,000 500,000 1,000,000 15,000
2
Medical Expenses in Malaysia
- - 50,000 50,000 -
Maximum days of treatments in Malaysia
Subject to Medical Expenses Limit in A1
- - 30 days 30 days -
3
Daily Hospital Income
(RM250 for every complete day)
Subject to Medical Expenses Limit in A1
- 7,500 7,500 7,500 -
4
Emergency Medical Evacuation and
Repatriation of Mortal Remains
1,000,000
10,000,000
10,000,000
20,000,000
20,000
5
Compassionate visit
- - 5,000 7,000 -
6
Child Guard
- - 5,000 7,000 -
7
Overseas dental expenses
Included in
A1
up to RM
1,000
Included in
A1
up to RM
1,500
Included in
A1
up to RM
2,000
Included in
A1
up to RM
2,000
-
B
Personal Accident Benefits
1
Accidental Death & Permanent Disablement
100,000 250,000 350,000 400,000 30,000
C
Travel Inconvenience & Other Travel Related Benefits
1
Travel Cancellation
Per Individual
1,000 7,000 10,000 15,000 1,000
Per Family
3,000 21,000 30,000 45,000 3,000
2
Travel Curtailment
Per Individual
- 7,000 10,000 15,000 -
Per Family
- 21,000 30,000 45,000 -
3.1
Travel Delay
Common Carrier
i
. Overseas 300 1,050 1,950 3,300 -
ii. Malaysia
- 300 300 600 150
(RM150 for every 6 consecutive hours of delay)
3.2
Travel Missed Connection
-
-
400 600 -
(RM200 for every 6 consecutive hours of delay)
Note: Please refer to the policy wording for the full details of the coverages and exclusions.
Section
Benefits
Sum Insured Up To (RM)
Starter Basic Standard Deluxe Domestic
Base Coverages
4
Baggage Delay
Overseas
Per Individual
300 750 900 1,350 -
Per Family
900 2,250 2,700 4,050 -
Malaysia
Per Individual
- 150 150 450 150
Per Family
- 450 450 1,350 450
(RM150 for every 6 consecutive hours of delay)
5
Damage or loss of baggage and/or personal
effects
Baggage Damage
Per baggage
- 250 250 250 250
Loss of Baggage and/or Personal Effects
Per Individual
- 3,000 5,000 8,000 1,000
Per Family
- 9,000 15,000 24,000 3,000
(Maximum limit for any one item is RM500)
(Maximum limit for laptop is RM1,000)
6
Loss of Money
- 1,000 1,000 3,000 -
7
Loss of Travel Documents
- 1,000 3,000 3,000 -
8
Personal Liability
- 500,000 1,000,000 1,000,000 -
9
Fraudulent Use of Credit Card
- 1,000 1,000 3,000 -
10
Car Rental Excess Charges
- 2,000 2,000 3,000 -
D
Trip Assistance Solutions
1
24/7 Worldwide Travel Assistance
Included Included Included Included Included
E
Optional Rider Benefits
1
Golf Insurance
(a) Loss or Damage to Golf Equipment
Per Individual - 2,000 2,000 2,000 2,000
Per Family - 6,000 6,000 6,000 6,000
(Maximum limit for golf bag is RM500)
(Maximum limit for golf club is RM800)
Deductible of RM100 for loss or damage to golf
equipment claim
(b) Hole
-in-one Expenses
Per Individual - 750 750 750 750
Per Family - 2,250 2,250 2,250 2,250
2
Special Sport
(a) Winter sport
- Included Included Included Included
(b) Scuba diving
- Included Included Included Included
Note: 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 Item B –Personal Accident which remains a per person limit. Please refer to the policy wording for the full details of the
coverages and exclusions.
What You Pay
Premium table (RM)
Per Trip Plan
: 30 Days - 60 Years
Plan Starter Basic Standard Deluxe
Cluster C1 C2 C1 C2 C3 C4 C1 C2 C3 C4 C1 C2 C3 C4
Individual
1
- 5 days 19 26 39 59 96 170 60 86 120 265 112 140 203 364
6
- 10 days
27 36 52 72 117 247 73 120 133 383 133 196 294 525
11
- 20 days
44 60 83 112 208 406 129 173 239 632 176 252 420 865
21
- 31 days
82 110 151 203 395 739 235 317 531
1,152
321 447 819
1,577
Per week
25 33 46 61 125 222 70 96 194 347 97 130 266 475
Family
1
- 5 days 47 64 104 156 195 425 146 233 371 662 273 350 508 909
6
- 10 days
68 91 130 168 260 615 186 266 466 958 336 490 734
1,312
11
- 20 days
112 150 205 277 390
1,013
321 426 665
1,577
438 630 980
2,163
21
- 31 days
204 274 375 505 856
1,847
584 781
1,391
2,876
799
1,117
1,975
3,944
Per week
62 82 113 152 311 556 176 237 484 866 241 325 664
1,187
Per Trip Plan
: 61 - 85 Years
Plan Starter Basic Standard Deluxe
Cluster C1 C2 C1 C2 C3 C4 C1 C2 C3 C4 C1 C2 C3 C4
Individual
1
- 5 days 72 97 133 179 367 655 207 279 571
1,020
284 382 781
1,399
6
- 10 days
104 140 192 259 529 946 299 403 825
1,474
410 552
1,130
2,022
11
- 20 days
171 230 316 426 872
1,560
492 664
1,358
2,429
675 910
1,862
3,331
21
- 31 days
313 420 577 777
1,590
2,843
897
1,210
2,475
4,428
1,231
1,660
3,395
6,071
Per week
95 127 174 234 478 855 270 364 745
1,333
371 500
1,022
1,827
Family
1
- 5 days 180 242 332 447 915
1,635
517 696
1,424
2,548
708 953
1,953
3,494
6
- 10 days
260 350 480 646
1,322
2,365
747
1,005
2,059
3,684
1,023
1,379
2,824
5,051
11
- 20 days
428 576 790
1,065
2,179
3,897
1,230
1,657
3,393
6,071
1,687
2,272
4,654
8,324
21
- 31 days
780
1,049
1,442
1,940
3,973
7,105
2,244
3,022
6,186
11,069
3,075
4,143
8,484
15,177
Per week
235 316 434 584
1,196
2,139
676 910
1,862
3,332
925
1,247
2,554
4,568
*Starter Plan is not applicable for C3 & C4
Annual Trip Plan
Plan Starter Basic Standard Deluxe
Cluster C1 C2 C1 C2 C3 C4 C1 C2 C3 C4 C1 C2 C3 C4
Individual
18
- 60 years - - 345 464 950
1,700
537 724
1,480
2,648
736 991
2,029
3,630
61
- 70 years
- -
1,326
1,786
3,657
6,542
2,065
2,781
5,695
10,190
2,831
3,814
7,809
13,973
*Starter Plan is not applicable for Annual Trip Plan
Optional Add
-On: Golf Insurance Rider
Plan Basic Standard Deluxe
Domestic
Day band
Individual
1 - 5 days 10 10 10 6.23
6 - 10 days 15 15 15 7.79
11 - 20 days 24 24 24 12.47
21 - 31 days 44 44 44 -
21 - 30 days - - - 26.49
Per week 13 13 13 -
Annual 94 94 94 -
Family
1 - 5 days 24 24 24 15.58
6 - 10 days 35 35 35 20.26
11 - 20 days 57 57 57 32.72
21 - 31 days 106 106 106 -
21 - 30 days - - - 62.33
Per week 31 31 31 -
Annual - - - -
Optional Add
-On: Special Sports Rider
Plan Basic Standard Deluxe
Domestic
Day band
Individual
1 - 5 days 12 17 27 4.67
6 - 10 days 14 21 35 6.23
11 - 20 days 21 30 50 9.35
21 - 31 days 27 40 67 -
21 - 30 days - - - 10.91
Per week 6 9 14 -
Annual 67 99 167 -
Family
1 - 5 days 34 48 77 15.58
6 - 10 days 40 59 95 20.26
11 - 20 days 60 86 143 23.37
21 - 31 days 77 112 190 -
21 - 30 days - - - 29.61
Per week 19 26 40 -
Annual - - - -
Cluster Destination
C1
China, Hong Kong, Indonesia, Japan, Macau, Singapore, South Korea, Taiwan,
Thailand and Vietnam;
Excluding Mongolia (inner and outer)
C2
Brunei, Cambodia, India, Lao People's Democratic Republic, Maldives, Myanmar,
New Zealand, Pakistan, Philippines and Sri Lanka;
Including all countries in C1
C3
Australia, Mauritius, Mongolia (inner and outer), Nauru and Uzbekistan;
Europe (excluding Montenegro and Serbia);
Middle East (excluding Iraq, Palestine and Yemen)
Including all countries in Cluster 1 and Cluster 2
C4
Worldwide (including Canada, Iraq, Montenegro, Palestine, Serbia, Tibet, United
States of America and Yemen)
Including all countries listed in all other clusters
Sanctioned Countries
Crimea Region, Cuba, Iran, North Korea and Syria
Excluded Destination
Antarctica, Nepal
Domestic
Malaysia, beyond 50km from your place of residence or business
The Countries We Cover
*Starter Plan is not applicable for Special Sports Rider
*Domestic plans are inclusive of 8% service tax
*Starter Plan is not applicable for Golf Insurance Rider
*Domestic plans are inclusive of 8% service tax
Domestic Plan
Plan Individual Family
Age 30 days - 60 years 61 - 85 years 30 days - 60 years
61 - 85 years
1 - 5 days 18.02 68.90 43.46
171.72
6 - 10 days 25.44 97.52 61.48
240.62
11 - 20 days 39.22 155.82 97.52
389.02
21 - 30 days 62.54 249.10 155.82
620.10
*Domestic plans are inclusive of 8%
service tax
If your supporting documents are sufficient,
we will send you an email to notify you of the
claim decision.
Decision
If your claim is payable, we will pay via bank
transfer and notify you through email or SMS.
Payout
Submit your claim to MY[email protected]
You need to include:
• Relevant claim form and supporting documents
• Bank account details
Submission
1
2
3
How to Make Claims
Product Disclosure Sheet
Please read this Product Disclosure Sheet before you decide to take out the Travel 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 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 Related benefit is 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 Per Trip or Annual 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 travelling visa
(that is 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 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 policy include:
(a) Medical Related Benefits; (b) Personal Accidents Benefit; (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 to Basic, Standard or Deluxe Plan only).
Note: Please refer to the policy wording for the full details of the coverages and exclusions.
(a) Purchase of Policy:
Purchase of policy needs to be made prior to the commencement of
your trip.
(b) Important Disclosure:
You must take reasonable care to ensure that all Your answers to the
questions are full, complete, correct and honest and 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:
Claim documents can be submitted via email to MYClaims@aig.com
as soon as practicable but no later than ninety (90) days from the date
of the incident. If you are unable to complete the claim documents
within ninety (90) days due to reasonable cause, the documents
must be submitted no later than one (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 Per Trip plan and 18
years up to 70 years for Annual Trip plan. Age is determined as at
policy expiry date.
(f) Maximum Trip Period:
i. Overseas Trip:
•Per Trip Plan : each trip shall not exceed 180 consecutive days;
•Annual Trip Plan : each trip shall not exceed 90 consecutive days;
ii. Domestic Trip:
•Each trip shall not exceed 30 consecutive days (Per Trip plan).
(g) Renewal & Upgrade:
Available for Annual Trip Plan only and 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 sanction, prohibition or restriction under
United Nations resolutions or the trade or economic sanctions, laws
or regulations of the European Union or the United States of America.
What are some of the key terms and conditions that I should be aware of?
Per Trip Plan
Duration of cover ranges from 1 to 5 days to a maximum of 180
consecutive days for overseas trip and a maximum of 30
consecutive days for a domestic plan.
Annual Trip Plan
Duration of cover is for one year with unlimited number of overseas
trips made during the policy period. The maximum duration for each
overseas trip is 90 consecutive days.
(d)
Please note that premium for Domestic Plans will be subjected to
(f)
Payment can be made by cash, cheque, credit card or debit card.
How much premium do I have to pay?
(a)
Please refer to the Premium Table in the brochure.
(b)
Premium is payable based on the number of days the insured is
Service Tax (ST).
travelling, age, destination and plan type selected for Per Trip plans.
(e) The policy is not effective unless the premium payable has been paid.
(c)
Service Tax (ST) 8% is applicable only to Domestic plan.
(c)
As for Annual Trip plans, premium is payable based on destination,
age and plan type selected.
What are the fees and charges that I have to pay?
(a) Commission: Direct rebate 25% of premiums.
(b) Stamp duty: RM10.00.
Can I cancel my policy?
(a) Per Trip
Cancellation for Per 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 or period of insurance whichever is
earlier. 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 Trip
You may cancel this policy by giving us notice in writing. Cancellation
for an Annual Trip plan will take effect from the first 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, outside building or installation work exceeding 3 meters in height;
•Work that involves heavy machinery, explosives or hazardous materials;
•Work as a diver, life guard, taxi driver, bus driver or other commercial vehicle or heavy vehicle driver, dispatch rider or delivery person;
•Work of a manual nature that involves special 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.
(b) Activities relating to:
(i) Extreme sports and sporting activities.
(ii) Competition sports.
(iii)Racing other than on foot.
(v) Professional sports or where a periodic income or financial reward of
any kind is received.
(vi) Aerial activities.
(iv) Any kind of winter sports and diving, except if the optional rider benefit is purchased.
(v) Mountaineering.
(vi)Trekking above 3000 meters
If you have any enquiries, please contact us at:
AIG Malaysia Insurance Berhad
Menara Worldwide,
No 198 Jalan Bukit Bintang,
55100 Kuala Lumpur, Malaysia.
Other types of Personal Accident cover available
Please refer to our website at: www.aig.my
(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 1-year period
before the travel start date and time;
•First manifested itself, worsened, became acute exhibited symptoms which would have cause 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 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 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 tumours), epilepsy, haemophilia, 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 Cuba, Iran, Syria, North Korea or
the Crimea, Donetsk People’s Republic (DNR), or Luhansk People’s Republic (LNR) regions of Ukraine;
(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.
(o) A Cyber Event, Electromagnetic Event, and Impact Event.
Note: This list is non-exhaustive. Please refer to the sample of the policy contract for the full list of exclusions under this policy.
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.
Telephone : 1800 888811
E-mail :AIGMYCare@aig.com
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, Donetsk People’s Republic
(DNR), or Luhansk People’s Republic (LNR) regions of Ukraine. In addition, this policy does not cover any loss, injury, damage or liability to residents of Cuba,
Iran, Syria, North Korea or the Crimea, Donetsk People’s Republic (DNR), or Luhansk People’s Republic (LNR) regions of Ukraine. 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 Apr 2024.
AIG Malaysia Insurance Berhad (200701037463)
Menara Worldwide No.198 Jalan
Bukit Bintang 55100 Kuala Lumpur
Malaysia
www.aig.my
Copyright
©
AIG Malaysia Insurance Berhad. All rights reserved.
*Up-to-date as of Apr 2024.
24/7 Worldwide Travel Assistance
AIG Travel
+603 2772 5600
This product brochure is intended as a guide to coverage benefits only. The precise scope and
breadth of policy coverage is subject to the specific terms and conditions of the policy wording.
American International Group, Inc. (AIG) is a leading global insurance organization. Building on
100 years of experience, today AIG member companies provide a wide range of property casualty
insurance, life insurance, retirement products, and other financial services to customers in more
than 80 countries and jurisdictions. These diverse offerings include products and services that
help businesses and individuals protect their assets, manage risks and provide for retirement
security. AIG common stock is listed on the New York Stock Exchange.
Additional information about AIG can be found at www.aig.com and www.aig.my. These
references with additional information about AIG have been provided as a convenience, and the
information contained on such websites is not incorporated by reference into this product
brochure.
AIG is the marketing name for the worldwide property-casualty, life and retirement, and general
insurance operations of American International Group, Inc. For additional information, please
visit our website at www.aig.com and www.aig.my. All products and services are written or
provided by subsidiaries or affiliates of American International Group, Inc. Products or services
may not be available in all countries, and coverages is subject to actual policy language. Non-
insurance products and services may be provided by independent third parties. Certain
property-casualty coverage may be provided by a surplus lines insurer. Surplus lines insurers do
not generally participate in state guaranty funds, and insureds are therefore not protected by
such funds.
