What is Travel Insurance?

Travel insurance is designed to pay for the unexpected losses that can arise when things go wrong before or during a trip or vacation. Travel insurance can pay for things like vacation and trip cancellation, baggage damage/delay, travel interruptions and delays, emergency medical and health expenses, evacuation, repatriation, accidental death, overseas funeral expenses, legal assistance and more.

Why do I need this plan?

Travelling, whether on business or leisure, exposes you to a wide variety of risks: personal accidents, flight/baggage delays, missed connections, lost baggage/passport, even hospitalisation in unfamiliar locations are just some of the common predicaments that you and your family may encounter. That is why you need MyTravelSafe, a 5-star comprehensive travel insurance that covers these common predicaments and safeguard you and your family against the unexpected when planning a trip

What is the scope of cover in My Ar-Rehlah Plan?

MyArrehlah Plan covers the following benefits:

 

  1.  Personal accident
  2.  Medical and its related expenses
  3. Emergency medical evacuation and repatriation
  4. Loss of travel deposit or curtailment of journey
  5. Loss of travel document, baggage, personal effects and money
  6. Personal liability
  7. Delayed baggage
  8. Trip cancellation, delay or overbook
  9. Missed travel connection
  10.  Hijacking

When will the insurance coverage begin & for how long?

Your coverage will begin from your intended departure date to your intended end date as mentioned on the policy certificate.

Can I travel without my documents?

Yes, an identification number or passport number is all that is required for proof of insurance when travelling; however, we recommend you take the Emergency Travel Assistance with our helpline number with you when you travel. This will be provided with your insurance document.

Is there a maximum period of cover?

Yes, the maximum period of cover for one-way trip is 180 days, for two-way journey is 100 days and for annual cover is 1 year.

What plan I should take if I am travelling with my family members?

You can take either a plan for yourself and/or your family* members. If you purchase a family policy, coverage for each family member is apportioned from the total sum assured. In the case of a claim, compensation payable will be in accordance to the portion allocated to each member and should not exceed the sum assured in total. (* Note: “Family Plan” including you and your spouse and accompanying children the age of 18 and below. “Family Members” including your spouse, parents, parents-in-law, grandparents, brother, sister, children, grandchildren, legally adopted child or sibling; all residents in your home territory.)

Eligibility

Who is eligible for this plan?

Everyone who resides in Malaysia from the age of 1 month to 71 years old*.
* Dependant below the age of 18 must be accompanied by an adult.

Who is eligible to be covered under the family plan?

The family includes you, your spouse and all your accompanying children aged 18 years old and below.

Can I insure for single trip or annual multi-trip travel option?

Yes, you can insure for single (one-way) trip, two-way journey or annual multi-trip travel.

Payment & Premium Related

How premium is calculated?

Premium will be calculated based on the region and period of cover.

How do I purchase the Travel Insurance?

You may purchase our Travel Insurance through the following channels:
• Submission of Approved ‘Lampiran A’ via fax to +603-5879 8176 or +603-7734 7270
• Fill-up the proposal form and submit together with payment/or Proof of Payment to Gabungan Baiduri Sdn Bhd

• Submission of Approved ‘Lampiran A’ to authorize officer to enrol online of the department

Can I insure for single trip or annual multi-trip travel option?

Yes, you can insure for single (one-way) trip, two-way journey or annual multi-trip travel.

Compensations Related

If I have purchased more than one travel insurance policies, will I be compensated for each policy?

If you have purchased more than one travel insurance policies, in the event of your demise and disablement, you or your beneficiary, as the case may be, will be compensated for each policy. However, for certain losses such as medical expenses, which are compensated on reimbursement basis, you will only be compensated once for the actual loss suffered.

What if I cancel the trip due to emergency?

Our trip cancellation coverage will reimburse you if it turns out that you have to cancel your trip due to sudden illness, accidental bodily injury, death or fortuitous cause beyond you or your family control. However, you will not be reimbursed if you cancel the trip due to pre-existing medical conditions like an old back injury flaring up, if you change your plans, if your job forces you to stay in town or if you can’t go because of personal finances.

What if my touring company goes belly-up?

If the touring company or cruise line goes out of business, our tour fare protection coverage will cover your actual loss of irrecoverable deposits or full payment paid for air-tickets or tour packages.

What if I get sick and need see a doctor or need to be hospitalised when I travel abroad?

You may seek medical assistance immediately. Our medical coverage will reimburse you for medical, surgical, hospital and nursing home expenses incurred overseas as a result of accidental injury or sickness including emergency dental treatment. Also, you will receive daily hospital cash allowance up to RM7,000 for being hospitalised for 24 hours or more.

Does this travel insurance compensate me if my flight is hijacked or my trip delayed due to an act of war?

Yes, our emergency coverage covers terrorism and hijacking. However, you will not be paid if your trip was cancelled or delayed due to an act of war or when there are traces of nuclear, chemical or biological agents.

Claims
Guidelines

What should I do if emergency assistance is required or if I am in the event of damage/ loss?

You may take the following actions:
i) Contact the medical and emergency travel assistance hotline at +603-7660-9199 for
medical advice, referrals, medical evacuations and travel related matters such as lost
passport and baggage.
ii) Notify the authorities such as local police, hotel, transportation company or terminal
authorities, whichever is applicable.
iii) Notify SYARIKAT TAKAFUL MALAYSIA BERHAD/GBSB immediately or as soon as reasonably
possible.

How do I make a claim?

In the event of a claim situation arising, notify SYARIKAT TAKAFUL MALAYSIA BERHAD/GBSB
as soon as you have returned from abroad at the following numbers, our Claims Executives
will advise you on the procedures:
Hotline 1-700-88-4272; or
General Line +603-7848 1111 or +603-5879 8163/64/65;

What kind of documents my family or I need to complete and submit?

Complete and submit the Claim Form to Gabungan Baiduri Sdn Bhd together with the following
documents:
• For Non-fatal case (Medical expenses/PA):
i) Tour operator’s confirmation of booking invoice
ii) Copies of airline tickets
ili) Medical report
iv) Original medical bills & receipts
V Original receipts for all amounts claimed for additional travel & accommodation
vi) Confirmation of admittance and discharge from the hospital for hospital benefit claim
For Fatal case:
i) Tour operator’s confirmation of booking invoice
ii) Copies of airline tickets
ili) Copy of police report, medical report, death certificate or post-mortem report
iv) Letter of Administration
For cancellation:
i) Cancellation invoice from Tour operator
ii) Complete medical report/certificate (if on medical grounds)
iii) Other supporting documents
For curtailment:
i) Letter of confirmation from the treating doctor confirming that it is necessary to return
home
ii) Original receipts on all amounts claimed
iii) Other supporting documents for curtailment
3 For travel delay:
A written confirmation from the airlines/shipping lines regarding the period of delay
(number of hours) and the reasons for it
For personal luggage/ money/ travel documents:
i) Original receipts for all items claimed & description of the items if not shown on the
receipt
ii) Property irregularity report issued by the airline concerned if baggage is lost or damaged
by an airline
iii) Letter from the airline confirming the duration of and the reasons for delay for the
Personal Luggage Claims

Who from my family is allowed to claim in the event of death occurrence?

The nominated beneficiaries or Legal Estate of the Insured.

Exclusions

Are there any exclusions?

Yes, losses caused by certain events are excluded from the cover. Some common exclusions
include:
War and kindred risks
Nuclear hazards
Radiation, contamination by radioactivity or nuclear weapons material
Suicide, insanity or self-inflicted injury
Illegal use of alcohol or drugs
Pre-existing medical conditions
Venereal disease, AIDS or AIDS related complex
Provoked murder or assault
Certain hazardous or high risk sporting activities such as racing, mountaineering,
parachuting, hang-gliding or private aviation
Pregnancy, childbirth, abortion or miscarriage
U Baggage delay & loss of baggage & personal effects due to seizure or destruction under
quarantine or custom regulation

(Refer to policy for full details of Exclusion Clauses)

Gabungan Baiduri Sdn Bhd (532042-M) 
111, Tingkat 1, TTDI Adina
Jalan Judo 13/45, Seksyen 13,
40675 Shah Alam, Selangor

Tel : +603 5031 3933
Fax : +603 5031 3934

Email: services@myarrehlah.my
Website: www.myarrehlah.my

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