Product Overview
Breathe easy on your next vacation with amazing benefits from Travel Star! Covering not only personal accidents and medical emergency, we go the distance to guarantee the protection of you and your family by providing emergency medical evacuation and repatriation.
What’s included
Discover the protection and benefits included in your plan.
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Medical Payments
Reimbursements of medical, surgical, hospital and nursing home expenses while overseas.
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Liability Cover
Personal and legal liability against bodily injury and property damages to third parties overseas.
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Comprehensive Protection
Covers personal accident, medical expenses, losses and inconveniences, liability and emergency services.
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Additional Benefits
Includes hospital income benefit, child care, burial & cremation expenses and 24-hour emergency travel referral.
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24-Hour Travel Worldwide Assistance
For worldwide emergency assistance, medical or travel advice, please contact:
Redion
Tel: (603)-7965 3977 -
Liberty General Insurance Berhad is a member of Perbadanan Insurans Deposit Malaysia (PIDM). PIDM protects the benefit(s) payable under the eligible policy up to protection limits. Please refer to PIDM's TIPS Brochure or PIDM's Website, or contact our customer service.
*This cover is subject to the terms and conditions of the policy.
Liberty General Insurance Berhad is a member of Perbadanan Insurans Deposit Malaysia (PIDM). PIDM protects the benefit(s) payable under the eligible policy up to protection limits. Please refer to PIDM's TIPS Brochure or PIDM's Website, or contact our customer service.
More Information
Browse these common questions to get the answers you need.
Benefits Highlights
| Benefits | Individual [Limits RM] | Family* [Limits RM] | Excess Amount [RM] | |
|---|---|---|---|---|
| Section 1 / PERSONAL ACCIDENT | ||||
| 1) | Personal Accident (Adult) - Covers against accidental death and permanent total disablement while outside Malaysia | 250,000 | 250,000 [per adult] | NIL |
| Personal Accident (Child) - Covers your children below 18 years against accidental death while outside Malaysia. | - | 25,000 [per child] | NIL | |
| Personal Accident (Child) - Covers your children below 18 years against permanent total disablement while outside Malaysia. | - | 75,000 [per child] | NIL | |
| Section 2 / MEDICAL | ||||
| 2) | Overseas & Other Medical Expenses - Reimbursement of medical,surgical, hospital and nursing home expenses incurred overseas as a result of accidental injury or sickness including emergency dental treatment. | 300,000 | 300,000 [per adult] 30,000 [per child] | NIL NIL |
| 3) | Post Hospitalisation - Reimbursement for follow up medical expenses incurred upon insured person's return to Malaysia but within 30 days from date of return. | 30,000 | 30,000 [per adult] 3,000 [per child] | NIL NIL |
| 4) | Burial and Cremation Expenses - A repatriation of mortal remains. Reimbursement in the event of your death for your burial and cremation in the locality where your death occurs plus the cost of conveyance of your body / ashes to your home. | 10,000 | 10,000 | NIL |
| 5) | Hospital Income Benefit - Daily hospital cash allowance for every 24 hours of hospitalisation as a result of accidental injury or sickness whilst overseas. RM250 per day per adult and RM125 per day per child. | 5,000 | 5,000 [per adult] 2,500 [per child] | NIL NIL |
| 6) | Compassionate Visit - Reimbursement for reasonable additional accommodation and travelling expenses limited to a round trip economy class air ticket incurred by one immediate family member in order to take care or accompany the insured being hospitalised for more than 5 days. | 5,000 | 5,000 | 50.00 |
| 7) | Child Care - A return of children travelling with the member. -Reimbursement for reasonable additional accommodation and travelling expenses and a round trip economy class air ticket incurred by one immediate family* member in order to take care / accompany the dependant children below 12 years old back to your home who is left unattended as a result of your hospitalisation for more than 5 days. | - | 5,000 | 50.00 |
| Section 3 / LOSSES & INCONVENIENCES | ||||
| 8) | Loss of Personal Luggage and Personal Effects -Reimbursement for loss of or damage to your luggage, clothing and personal effects. The amount payable for any one article / pair / set shall not exceed RM500.00 | 4,000 | 8,000 | 50.00 |
| 9) | Loss of Personal Money - Reimbursement for loss of personal money resulting from robbery outside Malaysia, provided such lost is reported to the police within 24 hours from the incident. | 800 | 1,200 | NIL |
| 10) | Loss of Travel Document - Reimbursement for the reasonable additional accommodation travel and communication expenses necessarily incurred in obtaining the replacement loss passport subject that the loss has been reported to the police within 24 hours of discovery. | 5,000 | 10,000 | 50.00 |
| 11) | Trip Cancellation - Reimbursement for travel expenses paid in advance if your trip is cancelled due to illness, accidental bodily injury, death or fortuitous cause beyond your control to yourself, your family* member or travelling companion. | 15,000 | 15,000 | 50.00 |
| 12) | Trip Curtailment - Reimbursement for extra travel expenses incurred as a result of cutting short the planned trip due to illness, accidental bodily injury or death of yourself, your family* member or travelling companion. | 15,000 | 15,000 | 50.00 |
| 13) | Missed Travel Connection - Reimbursement for extra travel expenses incurred as a result of misconnection of conveyance due to late arrival of your confirmed and incoming scheduled conveyance, and your next transportation is made available only after 8 hours. | 300 | 600 | NIL |
| 14) | Travel Delay - Reimbursement of RM250 for every 8 hours if the schedule carrier is delayed from scheduled departure time due to industrial action, bad weather or mechanical fault. | 2,000 | 4,000 | NIL |
| 15) | Travel Overbook - Reimbursement for the necessarily and reasonably incurred expenses including actual accommodation and meal expenses if the schedule confirmed is overbooked by the airline company, and if there is no alternative transportation made available to you within 8 hours. | 250 | 500 | NIL |
| 16) | Luggage Delay - Reimbursement for emergency purchases of essential items such as toiletries and clothing as a result of delay of luggage for more than 8 hours. | 600 | 1,000 | NIL |
| 17) | Tour Fare Protection - Reimbursement for the actual loss of irrecoverable deposits or full payments paid for air tickets / tour packages in the event of abscondment or insolvency of the registered / licensed travel agent in Malaysia. | 7,500 | 15,000 | NIL |
| Section 4 / LIABILITY | ||||
| 18) | Personal Liability - The company will indemnify the insured person against liability to third party bodily injury or property damage caused by your negligence whilst overseas. | 1,000,000 | 1,000,000 | NIL |
| 19) | Legal Expense- The company will pay the legal expense incurred as a result of negligence of insured person to third parties' bodily injury or property damage whilst overseas. | 50,000 | 50,000 | NIL |
| Section 5 / EMERGENCY SERVICES | ||||
| 20) | Emergency Medical Evacuation and Repatriation - Covers all medical evacuation and repatriation expenses. | 300,000 | 300,000 | NIL |
| 21) | 24 -Hour Emergency Travel Referral Services - 24 hours hotline services include : - Visa, Passport and Inoculation Requirements - Location of Loss Items - Emergency Message Relay - Arrangement of Flight - Legal Referral - Referral to Interpreter / Translator | Available | Available | NIL |
NOTE :-
All services rendered under Section 5 are purely on referral and arrangement basis only. The insured shall pay for all third party expenses arising from the use of the referred or arranged services.
Insurer's maximum liability is limited to RM3,000,000 any one life up to a maximum of RM60,000,000 per conveyance / occurrence / event.
Terrorism & Hijacking - The policy extends to cover the risk of terrorism
(but excluding when there are traces of nuclear, chemical or biological agents.)
| Travel Region | Period of Cover | Individual (RM) | Family* (RM) |
|---|---|---|---|
| Region 1 Asia | 1 - 5 days 6 - 10 days 11 - 18 days 19 - 31 days Each additional week Annual | 32 46 62 72 20 224 | 72 110 150 200 50 460 |
| Region 2 Worldwide excluding USA/Canada | 1 - 5 days 6 - 10 days 11 - 18 days 19 - 31 days Each additional week Annual | 42 60 95 130 35 336 | 100 140 235 300 85 545 |
| Region 3 Worldwide including USA/Canada | 1 - 5 days 6 - 10 days 11 - 18 days 19 - 31 days Each additional week Annual | 52 80 120 170 45 364 | 130 195 300 420 110 610 |
Note: This premium amount is before Service Tax and Stamp Duty.
No government tax shall be applicable for Overseas Travel Policy. However, government tax shall be applicable for Domestic Travel Policy and Annual Policy.
DEFINITIONS
Region 1 - Asia includes Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Korea, Laos, Macau, Maldives, Nepal, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand and Vietnam.
Region 2 - Worldwide means all countries including Asia but excluding USA and Canada.
Region 3 - Worldwide means all countries including Asia, USA and Canada.
Excluded countries : any sanction, prohibition or restriction under United Nations resolution, European Union, United Kingdom, United States of America or Malaysia.
Important Documents
To fully understand your insurance plan, please read these important documents. They provide crucial information such as coverage details, exclusions and your rights as a policyholder so you can make an informed decision.
Must-Read Documents
Product Disclosure Sheet (PDS)
A quick overview of the key details, terms, and exclusions for this plan to help you make an informed choice.
English PDF
Policy Wording
The full terms and conditions of your policy, including what’s covered, exclusions, and your responsibilities.
Other Documents
Proposal Form
Use this form if you’d like an offline quote. (No need to fill this out for online purchases.)
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