MSIG TravelRight Plus Insurance is a comprehensive travel insurance that provides compensation for mishaps and covered events during your journey within the policy period. For example, flight delays, loss of luggage, illness, accidents... the list goes on.
When you travel for business or leisure, you can be assured that you are always protected throughout your journey with this policy. You can opt for a short-term policy for a single trip or an annual policy to cover an unlimited number of trips in a policy year. All Malaysians, Permanent Residents, Non Residents, Work Permit/Employment Pass Holders or otherwise legally employed persons in Malaysia and their Dependents are eligible to apply.
What’s more, you may extend your coverage at additional premium to include COVID-19 Benefit Add-on and/ or Alternative Transport Top Up.
Benefits
Benefits
Find out some of the ways this product covers you.
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Benefit Limit (RM) – per person
Benefits – Overseas Outbound
Plan 1
Plan 2
Plan 3
Section 1 -
Personal Accident
Death - Adult
250,000
350,000
500,000
Death - Child
62,500
87,500
125,000
Permanent Total Disablement - Adult/Child
250,000
350,000
500,000
Child Education Fund^
7,500
15,000
25,000
Section 1 -
Personal Accident
Overseas: Outbound (RM)
Plan 1
Plan 2
Plan 3
Death - Adult
250,000
350,000
500,000
Death - Child
62,500
87,500
125,000
Permanent Total Disablement - Adult/Child
250,000
350,000
500,000
Child Education Fund^
7,500
15,000
25,000
Section 2 -
Medical & Other Expenses
Accident & Illness
Accident & Illness
Accident & Illness
QUICK TIPS
Overall Limit for Medical Expenses
- Below 70 years
300,000
400,000
500,000
- 70 years and above
150,000
200,000
250,000
Alternative Medicine**
Up to 500
Up to 1,000
Up to 1,500
Follow-up Treatment in Malaysia**
Up to 30,000 (max 45 days)
Up to 75,000 (max 45 days)
Up to 100,000 (max 45 days)
Emergency Medical Evacuation & Bringing Back to Malaysia*
QUICK TIPS
1,000,000
1,000,000
1,000,000
Repatriation of Mortal Remains (including Burial and Cremation)*
QUICK TIPS
1,000,000
1,000,000
1,000,000
Hospital Income
250 per day (max 15,000)
300 per day (max 18,000)
350 per day (max 21,000)
Compassionate Care^
5,000
10,000
15,000
Child Care^
5,000
10,000
15,000
Section 2 -
Medical & Other Expenses
QUICK TIPS
Overseas: Outbound (RM)
Plan 1
Plan 2
Plan 3
Accident & Illness
Accident & Illness
Accident & Illness
Overall Limit for Medical Expenses
- Below 70 years
300,000
400,000
500,000
- 70 years and above
150,000
200,000
250,000
Alternative Medicine**
Up to 500
Up to 1,000
Up to 1,500
Follow-up Treatment in Malaysia**
Up to 30,000
(max 45 days)
Up to 75,000
(max 45 days)
Up to 100,000
(max 45 days)
Emergency Medical Evacuation & Bringing Back to Malaysia*
QUICK TIPS
1,000,000
1,000,000
1,000,000
Repatriation of Mortal Remains (including Burial and Cremation)*
QUICK TIPS
1,000,000
1,000,000
1,000,000
Hospital Income
250 per day (max 15,000)
300 per day (max 18,000)
350 per day (max 21,000)
Compassionate Care^
5,000
10,000
15,000
Child Care^
5,000
10,000
15,000
Section 3 -
Luggage & Personal Effects
max 5,000
max 7,500
max 10,000
QUICK TIPS
- Single article, pair or set of articles
500
500
500
- Notebook
1,000
1,500
2,000
- Single suitcase, trunk or container of similar nature
500
500
500
Section 3 -
Luggage & Personal Effects
QUICK TIPS
Overseas: Outbound (RM)
Plan 1
Plan 2
Plan 3
max 5,000
max 7,500
max 10,000
Single article, pair or set of articles
500
500
500
Notebook
1,000
1,500
2,000
Single suitcase, trunk or container of similar nature
500
500
500
Section 4 -
Luggage Delay - Every 6 Consecutive Hours
- Overseas
200 (max 800)
200 (max 1,000)
200 (max 1,200)
- Malaysia
max 200
max 200
max 200
Section 4 -
Luggage Delay - Every 6 Consecutive Hours
Overseas: Outbound (RM)
Plan 1
Plan 2
Plan 3
Overseas
200 (max 800)
200 (max 1,000)
200 (max 1,200)
Malaysia
max 200
max 200
max 200
Section 5 -
Personal Money and Unauthorised Use of Card
1,000
1,000
1,000
Section 5 -
Personal Money and Unauthorised Use of Card
Overseas: Outbound (RM)
Plan 1
Plan 2
Plan 3
1,000
1,000
1,000
Section 6 -
Travel Documents
5,000
7,500
10,000
Section 6 - Travel Documents
Overseas: Outbound (RM)
Plan 1
Plan 2
Plan 3
5,000
7,500
10,000
Section 7 -
Travel Cancellation
QUICK TIPS
18,000
50,000
50,000
Section 7 -
Travel Cancellation
QUICK TIPS
Overseas: Outbound (RM)
Plan 1
Plan 2
Plan 3
18,000
50,000
50,000
Section 8 -
Travel Curtailment
18,000
50,000
50,000
Section 8 - Travel Curtailment
Overseas: Outbound (RM)
Plan 1
Plan 2
Plan 3
18,000
50,000
50,000
Section 9 -
Travel Delay - First 4 Consecutive Hours of Delay & Every Subsequent 6 Consecutive Hours of Delayº#
200 (max 3,600)
200 (max 4,000)
200 (max 4,500)
Missed Events due to Travel Delay
500
500
500
Section 9 -
Travel Delay - First 4 Consecutive Hours of Delay & Every Subsequent 6 Consecutive Hours of Delayº#
Overseas: Outbound (RM)
Plan 1
Plan 2
Plan 2
200 (max 3,600)
200 (max 4,000)
200 (max 4,500)
Missed Events due to Travel Delay
500
500
500
Section 10 -
Missed Travel Connection - Min 6 Hoursº
600
1000
1500
Section 10 -
Missed Travel Connection - Min 6 Hoursº
Overseas: Outbound (RM)
Plan 1
Plan 2
Plan 3
600
1000
1500
Section 11 -
Travel Overbooked - Every 6 Consecutive Hoursº
500 (max 1,000)
500 (max 1,000)
500 (max 1,000)
Section 11 -
Travel Overbooked - Every 6 Consecutive Hoursº
Overseas: Outbound (RM)
Plan 1
Plan 2
Plan 3
500 (max 1,000)
500 (max 1,000)
500 (max 1,000)
Section 12 -
Missed Departureº
1,000
1,000
1,000
Section 12 -
Missed Departureº
Overseas: Outbound (RM)
Plan 1
Plan 2
Plan 3
1,000
1,000
1,000
Section 13 -
Travel Reroute - Min 6 Consecutive Hoursº
250
500
500
Section 13 -
Travel Reroute - Min 6 Consecutive Hoursº
Overseas: Outbound (RM)
Plan 1
Plan 2
Plan 3
250
500
500
Section 14 -
Loss of Travel Deposit
QUICK TIPS
7,500
(max 22,500 for Family Plan)
7,500
(max 22,500 for Family Plan)
7,500
(max 22,500 for Family Plan)
Section 14 -
Loss of Travel Deposit
QUICK TIPS
Overseas: Outbound (RM)
Plan 1
Plan 2
Plan 3
7,500
(max 22,500 for Family Plan)
7,500
(max 22,500 for Family Plan)
7,500
(max 22,500 for Family Plan)
Section 15 -
Additional Costs of Rental Car Return And Rental Car Excess
1,000
1,000
1,000
Section 15 -
Additional Costs of Rental Car Return And Rental Car Excess
Overseas: Outbound (RM)
Plan 1
Plan 2
Plan 3
1,000
1,000
1,000
Section 16 -
Personal Liability
1,000,000
1,000,000
1,000,000
Section 16 -
Personal Liability
Overseas: Outbound (RM)
Plan 1
Plan 2
Plan 3
1,000,000
1,000,000
1,000,000
Section 17 -
Loss of Use of Hotel Facilities
200 per day (max 2,000)
200 per day (max 2,000)
200 per day (max 2,000)
Section 17 -
Loss of Use of Hotel Facilities
Overseas: Outbound (RM)
Plan 1
Plan 2
Plan 3
200 per day (max 2,000)
200 per day (max 2,000)
200 per day (max 2,000)
Section 18 -
Home Protection^
500
500
500
Section 18 -
Home Protection^
Overseas: Outbound (RM)
Plan 1
Plan 2
Plan 3
500
500
500
Section 19 -
Adventurous Activity Cover
Covered
Covered
Covered
Extension of Section 1 - Personal Accident and Section 2 - Medical and Other Expenses to cover you for the injuries sustained from engaging in or practicing for:
- Bungee jumping;
- Sky diving;
- Hang-gliding;
- Helicopter rides for sightseeing;
- Hot air ballooning;
- Jet skiing;
- Mountaineering or trekking at mountains below the height of 3,000 metres above sea level;
- Skiing or snowboarding;
- Canoeing or white water rafting;
- Underwater activities involving artificial breathing apparatus for diving up to maximum depth of 30 metres.
Section 19 -
Adventurous Activity Cover
Overseas: Outbound (RM)
Plan 1
Plan 2
Plan 3
Extension of Section 1 - Personal Accident and Section 2 - Medical and Other Expenses to cover you for the injuries sustained from engaging in or practicing for:
- Bungee jumping;
- Sky diving;
- Hang-gliding;
- Helicopter rides for sightseeing;
- Hot air ballooning;
- Jet skiing;
- Mountaineering or trekking at mountains below the height of 3,000 metres above sea level;
- Skiing or snowboarding;
- Canoeing or white water rafting;
- Underwater activities involving artificial breathing apparatus for diving up to maximum depth of 30 metres.
Covered
Covered
Covered
Section 20 -
Emergency Telephone Charges
100
150
150
Section 20 -
Emergency Telephone Charges
Overseas: Outbound (RM)
Plan 1
Plan 2
Plan 3
100
150
150
Section 21 -
Alternative Transport Arrangementº#
1,000
1,000
1,000
Section 21 -
Alternative Transport Arrangementº#
Overseas: Outbound (RM)
Plan 1
Plan 2
Plan 3
1,000
1,000
1,000
Section 22 -
Worldwide Travel Assistance Services
Covered
Covered
Covered
Section 22 -
Worldwide Travel Assistance Services
Overseas: Outbound (RM)
Plan 1
Plan 2
Plan 3
Covered
Covered
Covered
Terrorism & Hijacking
Covered
Covered
Covered
Terrorism & Hijacking
Overseas: Outbound (RM)
Plan 1
Plan 2
Plan 3
Covered
Covered
Covered
Chartered Flights (Scheduled)
Covered
Covered
Covered
Chartered Flights (Scheduled)
Overseas: Outbound (RM)
Plan 1
Plan 2
Plan 3
Covered
Covered
Covered
Recommended Plan
* This benefit is subject to advance approval by MSIG Assist. Please contact MSIG Assist for assistance.
º This insurance will only pay for one claim made either under Section 9,10,11,12,13 or 21.
^ This benefit is not applicable to non-residents.
**Subject to overall limit for medical expenses.
# This insurance will only pay for one claim made either section 9 or 21 for the same incident but not both.
Note:
- You are obligated to pay any applicable taxes (which include but not limited to service tax and RM10 stamp duty) imposed by the Malaysian tax authorities in relation to your Policy.
Optional Add-On - COVID-19 Benefit
Optional Add-On - COVID-19 Benefit
Whether for business or leisure, we understand that your trip is precious to you. Don't let the unexpected get in the way of your trip. You can include this add-on to your single trip plan for financial protection against COVID-19 whilst you are travelling aboard.
Choose the COVID-19 Benefit plan that best meets your needs.
Benefits
Plan 1 (RM)
Plan 2 (RM)
Plan 3 (RM)
Section 2:
Medical and Other Expenses
Overall Limit for COVID-19 Medical Expenses
100,000
200,000
450,000
Follow-up Treatment in Malaysia** (up to max 45 days)
** subject to Overall Limit for Covid-19 Medical Expenses
30,000
75,000
100,000
Emergency Medical Evacuation & Bringing Back to Malaysia
250,000
350,000
500,000
Repatriation of Mortal Remains (including Burial & Cremation)
250,000
350,000
500,000
Hospital Income
- - per day
200
300
400
- - maximum up to
6,000
9,000
12,000
Section 2:
Medical and Other Expenses
Benefits
Plan 1 (RM)
Plan 2 (RM)
Plan 3 (RM)
Overall Limit for COVID-19 Medical Expenses
100,000
200,000
450,000
Follow-up Treatment in Malaysia** (up to max 45 days)
** subject to Overall Limit for Covid-19 Medical Expenses
30,000
75,000
100,000
Emergency Medical Evacuation & Bringing Back to Malaysia
250,000
350,000
500,000
Repatriation of Mortal Remains (including Burial & Cremation)
250,000
350,000
500,000
Hospital Income
- - per day
200
300
400
- - maximum up to
6,000
9,000
12,000
Section 7
Travel Cancellation
5,000
12,500
25,000
Section 7
Travel Cancellations
Benefits
Plan 1 (RM)
Plan 2 (RM)
Plan 3 (RM)
5,000
12,500
25,000
Section 8
Travel Curtailment
5,000
12,500
25,000
Section 8
Travel Curtailment
Benefits
Plan 1 (RM)
Plan 2 (RM)
Plan 3 (RM)
5,000
12,500
25,000
Note:
- This COVID-19 Benefit is only applicable to Areas 1, 2 and 3 of TravelRight Plus (Single Trip).
- The COVID-19 Benefit plan selected has to correspond with the selected plan of the basic cover. For example, the COVID-19 Benefit Plan 1 can only be purchased with TravelRight Plus Plan 1.
Have more questions? View the COVID-19 Benefit FAQ here.
Optional Add-On – Alternative Transport Top Up
Optional Add-On – Alternative Transport Top Up
It covers additional costs incurred for alternative transport or alternative routes to your next destination in the event that the scheduled carrier is cancelled or delayed for more than 24 hours directly caused by:
Benefit
Plan 1 (RM)
Plan 2 (RM)
Plan 3 (RM)
Alternative Transport Top Up
1,000
2,000
3,000
Benefit
Plan 1 (RM)
Plan 2 (RM)
Plan 3 (RM)
Alternative Transport Top Up
1,000
2,000
3,000
Have more questions? View the Alternative Transport Top Up FAQ here.
Learn More
MSIG TravelRight Plus Insurance provides you with coverage whenever you travel.
Download the coverage details below to learn more.