I want to submit claims for
Travel Protection Coverage
Transport Coverage During Your Trip
Covers flight, trains, cars, ships, and other licensed transport modes.
*Coverage applies to any scheduled or licensed mode of transport during your tripMedical Care
Cashless hospital admission overseas, reimbursement for outpatient treatment and
follow-up care after you return home.
Cashless hospital admission overseas, reimbursement for outpatient treatment and follow-up care after you return home.
Accidents & Disability
Compensation for accidental death or permanent disability.
Personal Liability
Protection against accidental injury to others or damage to their property.
Travel Disruptions
Reimbursement for trip cancellations, delays, or missed connections.
Flight delay calculatorPersonal Belongings
Compensation for lost, damaged or stolen luggage, travel documents, or personal money.
Emergency Services
Evacuation, repatriation, compassionate visits, and funeral arrangements if needed.
Contact our travel assistance helplineOptional add-on coverage (available upon selection during sign-up)
Extended Home Care
Loss or damage to home contents caused by burglary, fire, or water damage (up to RM20,000).
Golf Coverage
Damage to or loss of golf equipment due to theft, or unused golf course fees.
COVID-19 Coverage
Coverage for trip cancellations or disruptions, overseas medical treatment, emergency evacuation and more.
Adventurous Activities Coverage
Coverage for outdoor and leisure activities from a list of licensed activities during your travels.
What's covered and not covered
What's covered?
- Flight delay more than 2 hours.
What's not covered?
- Flight delay caused by changes of government regulations
- Flight delays of less than 2 hours
- Air travel that is not on a regular commercial flight
Effective coverage dates
Domestic trip:
Coverage starts when you leave your home to begin your journey and ends at the earliest of the following:
- When you arrive back home
- Expiry date of your policy/certificate
International trips:
Coverage starts 6 hours before your scheduled departure and ends at the earliest of the following:
- When you arrive back home
- 6 hours after you return to Malaysia
- Expiry date of your policy/certificate
Note: The trip must commence from Malaysia and end in Malaysia.
How much will I receive?
| Personal accident benefits (per any one accident/incident) | |||
| Death or permanent disability | RM100,000 | RM300,000 | RM500,000 |
| Medical and other expenses (subject to excess of RM100) | Due to accident or illness | ||
| Medical related expenses Note: No payouts will be made for claim(s) amounting to RM100 or less in this category, as the first RM100 is borne by you. | up to RM100,000 | up to RM300,000 | up to RM500,000 |
| Follow-up treatment expenses Note: No payouts will be made for claim(s) amounting to RM100 or less in this category, as the first RM100 is borne by you. | up to RM5,000 | up to RM10,000 | up to RM30,000 |
| Alternative treatment expenses Note: No payouts will be made for claim(s) amounting to RM100 or less in this category, as the first RM100 is borne by you. | Not covered | Not covered | up to RM1,000 |
| Compassionate care | up to RM5,000 | up to RM5,000 | up to RM5,000 |
| Childcare, guardianship, and return of child(ren) | up to RM5,000 | up to RM5,000 | up to RM5,000 |
| Daily hospital income/hospital confinement allowance (maximum of 20 days) | RM150/day | RM250/day | RM350/day |
| Travel inconveniences | |||
| Trip cancellation | Not covered | up to RM20,000 | up to RM50,000 |
| Trip curtailment | Not covered | up to RM20,000 | up to RM50,000 |
| Travel delay (for at least 2 hours delay) | up to RM1,000 | up to RM2,000 | up to RM5,000 |
| Baggage delay (for at least 6 hours delay) • Upon arrival in overseas • Upon return to Malaysia | RM500 RM100 | RM800 RM150 | RM1,000 RM200 |
| Missed travel connection (for at least 6 hours delay) | RM400 | RM500 | RM600 |
| Hijacking inconvenience (RM250 for each completed 24 hours delay) | Not covered | up to RM500 | up to RM1,000 |
| Losses or damages to personal belongings (subject to excess of RM100) | |||
| Baggage and/or personal effects | up to RM1,000 | up to RM3,000 | up to RM5,000 |
| Personal money | Not covered | up to RM500 | up to RM1,000 |
| Travel documents | Not covered | RM1,000 | RM1,500 |
| Home care | up to RM1,000 | up to RM1,000 | up to RM1,000 |
| Liability benefit | |||
| Personal liability | up to RM200,000 | up to RM1,000,000 | up to RM2,000,000 |
| Emergency services benefits Due to accident or illness | |||
| Emergency medical evacuation and repatriation | up to RM500,000 | up to RM1,000,000 | up to RM1,500,000 |
| Repatriation, burial and cremation of mortal remains | up to RM500,000 | up to RM1,000,000 | up to RM1,500,000 |
Optional benefits
| Adventurous activities | |||
| Coverage in respect of death or permanent disability, medical expenses and emergency services. Note: Please refer to the Policy Contract/Takaful Certificate for the full list of adventurous activities. | ✓ | ✓ | ✓ |
| COVID-19 | |||
| Trip cancellation due to COVID-19 | up to RM5,000 | up to RM5,000 | up to RM5,000 |
| Trip disruption due to COVID-19 | up to RM5,000 | up to RM5,000 | up to RM5,000 |
Medical expenses overseas due to COVID-19
| up to RM300,000 up to RM150,000 up to RM150,000 | up to RM300,000 up to RM150,000 up to RM150,000 | up to RM300,000 up to RM150,000 up to RM150,000 |
Emergency medical evacuation and repatriation due to COVID-19
| up to RM100,000 up to RM50,000 up to RM50,000 | up to RM100,000 up to RM50,000 up to RM50,000 | up to RM100,000 up to RM50,000 up to RM50,000 |
Repatriation, burial and cremation of mortal remains due to COVID-19
| up to RM100,000 up to RM50,000 up to RM50,000 | up to RM100,000 up to RM50,000 up to RM50,000 | up to RM100,000 up to RM50,000 up to RM50,000 |
| Extended home care benefit | |||
| Coverage in respect of loss or damages to your home contents caused by burglary, fire or water damage | up to RM20,000 | up to RM20,000 | up to RM20,000 |
| Golf cover benefit | |||
| Loss or damage to golf equipment due to theft | up to RM2,000 | up to RM2,000 | up to RM2,000 |
| Unused golf green fees | up to RM1,000 | up to RM1,000 | up to RM1,000 |
Note: This list is non-exhaustive. Please refer to the Policy Contract or Takaful Certificate for more details on terms and conditions.
Add-on Coverages
Summary of benefits | Domestic | International |
|---|---|---|
| Extended home care | Not covered | Provides compensation of up to RM20,000 for the loss or damage to your home furniture, furnishing, clothing and household appliances in the event of fire, burglary or water damage caused by pipe burst or water overflow Note: Claim value for individual items is caped at RM1,000 for clarity. |
| Golf cover |
|
|
| COVID-19 | Not covered |
* For travellers aged 61 – 80, benefits are 50% of the stated limits. |
| Adventurous Activities | Accidents or injuries during licensed activities such as:
Note: Coverage is valid only when the activity is conducted by a licensed operator. | Accidents or injuries during licensed activities such as:
Note: Coverage is valid only when the activity is conducted by a licensed operator. |
Make your claims conveniently with the Etiqa+ app
A. Document required for claim submission
| Claim Events | Document required |
|---|---|
| Flight delay |
Note: Flight delay claims are only applicable for delays of 2 hours or more. |
| Loss/Damage Items | Baggage damage
Baggage loss
Damage of personal belongings
Loss of personal belongings
Loss of personal money
Loss of travel documents
|
| Baggage delay |
|
| Medical-related expenses |
|
| Missed flight connection |
|
| Trip cancellation |
|
| COVID-19 related | For trip disruption or cancellation
|
| Extended home care |
|
| Adventurous activities | For personal accident benefit
For medical expenses benefits
For emergency services benefits
|
Note: Please refer to the Policy Contract or Takaful Certificate for more details on terms and conditions.
B. How to submit and track your claim
Step 1
Download and log in to the Etiqa+ app.
Step 2
Go to the "Claims" feature.
Step 3
Select "Travel Claim".
Step 4
Fill in all the details and upload the required documents.
Step 5
Submit your claim and track your updates in Etiqa+.For a quick claim status check, click here.
Frequently Asked Questions (FAQs)
