What AIG Travel Insurance Cover?
1. Medical Expenses (incurred Overseas), Emergency Medical Evacuation & Repatriation
Covered Conditions and Exclusions
Covered Conditions and Exclusions- If You are diagnosed with COVID-19 whilst travelling Overseas, We will pay for the necessary and reasonable medical costsincurred 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.
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.
2. Out-of-country COVID-19 Diagnosis Quarantine (Reimbursement basis)
- 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.
- 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.
3. Travel Cancellation and Travel Postponement (Prior to trip departure)
Covered Conditions and Exclusions
We Cover
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).
- 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.
4. Travel Curtailment
Covered Conditions and ExclusionsWe 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.
- If You or Your *Immediate Family Members (travelling together) are placed into quarantine due to being COVID19 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.
How to Make Claims
1. Submission
Submit your claim to MYClaims@aig.com
You need to include:
- Relevant claim form and supporting documents
- Bank account details
2. Decision
If your supporting documents are sufficient, we will send you an email to notify you of the claim decision.
3. Payout
If your claim is payable, we will pay via bank transfer and notify you through email or SMS.
* In all cases, please call AIG Worldwide Travel Assistance immediately at 603-2772 5600 for assistance.
More infomation
AIG Malaysia Insurance Berhad (795492-W)Menara Worldwide No.198 Jalan
BukitBintang 55100 Kuala Lumpur
Malaysia
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