Travel Insurance FAQs

This is a domestic travel product that covers you while you are traveling within Malaysia, and it is available for conventional insurance purchase.

Insurance provider is Zurich General Insurance Company Berhad.

The product sold is Z-Travel(Domestic/Inbound) Policy.

Age groups between 30 days – 80 years old are available to purchase.

Yes, the journey shall not exceed 41 days.

• You must be a Malaysian, or non-Malaysian who has a permanent resident status, valid work permit, valid student permit, entry permit or Malaysia My Second Home (MM2H) status.
• Age limits (all ages refer to the age of your next birthday):

  • Individual Cover, Individual & Spouse Cover, Family Cover – 30 days old to 80 years old. For Children insured/covered under individual or family cover, the policy/ certificate must be purchased/participated in by the parents/legal guardian.

  • Child Cover – 30 days old to 17 years old, or 23 years old if studying as a full-time student at the commencement of the journey.

No, as each confirmation slip is issued separately,there is no limit on the number of family members that can apply on family plan.

Once you have departed for your trip, the policy/ certificate cannot be amended/extended.

Yes, as the policy/ certificate covers you until you return your home or place of business, it is advisable for you to purchase/participate in the policy/ certificate until the date when you expect to return home or place of business.

If the policy/certificate is purchased/participated in by you, you will be the policyholder/ certificate holder of the policy/ certificate and only the policyholder/ certificate holder have the sole right to nominate. However, if your wife wishes to nominate, it is advisable to purchase/participate in an individual policy/ certificate, instead of family plan.

Schedule of Benefits:

The accidental death/ permanent disablement included as below:

This policy does not cover death, disablement, Bodily Injury, loss or expense, directly or indirectly, related to the following:

1. War, declared or undeclared, unless otherwise agreed and endorsed by Us;
2. Engaging in or testing of any kind of conveyance, manual work, aerial activities, mining or handling of explosives, military equipment or weapons;
3. Self-inflicted Bodily Injury, suicide or any attempt thereat, whilst sane or insane;
4. Professional competitive sports or racing on wheels;
5. Under the influence of alcohol or drugs, unless drug is taken in accordance with an authorized medical prescription;
6. Any prohibition or regulations by any government;
7. Ionizing radiation or contamination by radioactivity from any nuclear fuel or form any nuclear waste from the combustion of nuclear fuel and nuclear weapon materials;
8. Mental, behavioral or sleep disorders, including any known or suspected psychological or psychiatric disorder, anxiety or depression;
9. Pre-existing medical conditions;
10. Not fit to travel or traveling against the advice of a Medical Practitioner;
11. Purpose of the Journey is to obtain medical care or treatment of any kind;
12. Any loss which is covered by any other insurance policy;
13. Illegal or unlawful act by an Insured Person or any confiscation, detention, destruction by customs or other authorities;
14. Air travel other than as a fare-paying passenger on a regular scheduled airline or license chartered aircraft;
15. Any Bodily Injury, Sickness, death, loss, expense or other liability attributable to HIV (Human Immuno Deficiency Virus) and/or HIV-related illness including AIDS and/or any mutant derivative or variations thereof however caused or however named;
16. Any loss arising from the utilisation of Nuclear, Chemical or Biological weapons of mass destruction howsoever these may be distributed or combined;
17. Rafting or canoeing involving white water rapids, bungee jumping, jet skiing, under-water activities involving artificial breathing apparatus (except scuba diving limited up to 50 meters only), pot-holing, or rock climbing that ordinarily requires the use of ropes or guides.

• Importance of disclosure – You must disclose all material facts such as your personal pursuits including your travel details which would affect the risk profile and number of travel policies that you have purchased from other insurance companies. 
• Consumer Insurance Contract – Pursuant to Paragraph 5 of Schedule 9 of the Financial Services Act 2013, if you are applying for this insurance wholly for purposes unrelated to your trade, business or profession, you have a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when you apply for this insurance). You must answer the questions fully and accurately. Failure to take reasonable care in answering the questions may result in avoidance of your contract of insurance, refusal or reduction of your claim(s), change of terms or termination of your contract of insurance. The above duty of disclosure shall continue until the time your contract of insurance is entered into, varied or renewed with us. In addition to answering the questions in the Proposal Form (or when you apply for this insurance), you are required to disclose any other matter that you know to be relevant to our decision in accepting the risks and determining the rates and terms to be applied. You also have a duty to tell us immediately if at any time after your contract of insurance has been entered into, varied or renewed with us any of the information given in the Proposal Form (or when you applied for this insurance) is inaccurate or has changed.
• Non-Consumer Insurance Contract – Pursuant to Paragraph 4(1) of Schedule 9 of the Financial Services Act 2013, if you are applying for this insurance for a purpose related to your trade, business or profession, you have a duty to disclose any matter that you know to be relevant to our decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances could be expected to know to be relevant, otherwise it may result in avoidance of your contract of insurance, refusal or reduction of your claim(s), change of terms or termination of your contract of insurance. The above duty of disclosure shall continue until the time your contract of insurance is entered into, varied or renewed with us. You also have a duty to tell us immediately if at any time after your contract of insurance has been entered into, varied or renewed with us any of the information given in the Proposal Form (or when you applied for this insurance) is inaccurate or has changed. 
• Claim Procedure – You must contact Us with full details as soon as possible of any Disability, incident or on the discovery of any loss or damage which may result in a claim under this product. You must also tell us if you know of any writ, summons, or prosecution against you and immediately send us every letter or document which relates to a claim. 
• Maximum Sum Insured – The amount stated in the Schedule of Benefits is the maximum limit and sub-limit We will pay or reimburse in accordance to Your Cover Type for each Insured Person. If You have selected for: 
  1. Individual and Spouse Cover, We will, in total for all Insured Persons, pay or reimburse up to a maximum of two-hundred percent (200%) of the limit and sub-limit stated in the Schedule of Benefits for each benefit, except for the following benefits, the limits remain as per person limit; and 
  2. Family Cover, We will, in total for all Insured Persons, pay or reimburse up to a maximum of three-hundred percent (300%) of the limit and sub-limit stated in the Schedule of Benefits for each benefit, except for the following benefits, the limits remain as per person limit. 

  
  BENEFIT 1 – Accidental Death and Permanent Disablement
  BENEFIT 3 – Accidental Hospital Income

  BENEFIT 15 – Hospital Allowance due to Covid-19 
  BENEFIT 16 – Death due to Covid-19 

• Maximum Travel Duration – Each journey shall not exceed forty one (41) consecutive days.
• Overall Aggregate Limit – Our maximum aggregate liability under this policy in respect of all Insured Persons travelling in the same conveyance (by land, water or air) shall not exceed RM 10,000,000. In the event the aggregate exceeds the said amount, We shall pay the claims to the Policyholder on a proportionate basis. This is only applicable to group policy and master policy. 
• Cash Before Cover – It is fundamental and absolute special condition of this contract of insurance that the premium due must be paid and received by us before insurance cover is effective. 
• Eligibility – The following conditions must be satisfied for You to be qualified for coverage under this product: 
• Age – 
  1. at the time of arranging the journey and/or purchasing this insurance, You must be medically fit to travel and none of You are aware of any circumstances which are likely to lead to any claims under this Policy; 
  2. .at the time of purchasing this insurance, none of You have already left home for any journeys meant to be covered by this Policy; 
  3. The journey must be solely arranged for leisure travel purposes. 
  4. The journey must not exceed sixty (60) days; 
  5. Age limits (all ages refer to the age at Your next birthday calculated at the commencement of the journey): 
     1. You must be between thirty (30) days old to eighty (80) years old; and 
     2. If You are the child covered under family cover, You must be between thirty (30) days old to seventeen (17) years old, or twenty- three (23) years old if studying as a full-time student at the commencement of the journey.

We do cover you when you are in your cruise journey. Nevertheless, as this is not solely a cruise cover, we do not cover Travel Interruption, Travel Delay, and Baggage Delay during your cruise journey.

Mountaineering or any activity above three thousand (3,000) meters in height, rock climbing, and any underwater activities exceeding fifty (50) meters in depth are excluded from this policy/ certificate

You can purchase through the website of Tourplus, here (https://www.tourplus.my/)

Yes, however only the people attending the trip is eligible to purchase this insurance policy

Certificate of insurance will be issued within 1 hour and e-mailed to the customer.

Yes. This product is available for both individuals and groups. However, based on tourplus arrangement with Zurich, the product it’self is a group insurance policy. However, in the event of claims, claims will be payable to the certificate holder.

A family plan can be purchased/participated in to cover you, one of your legal spouses and your accompanying child(ren) who must be between 30 days old to 17 years old, or 23 years old if studying as a full-time student at the commencement of the journey. If your child(ren) has exceeded the child’s maximum age as mentioned above, he/she must purchase/participate in an individual policy/ certificate. If your spouse is not travelling together, you can still purchase /participate in a family plan to cover yourself and your child(ren).

The email will entail insurance certificate and policy wording for detailed coverage.

You may cancel your policy/ certificate by giving a written notice to us, but no premium/ contribution will be returned.

You may contact us with email [email protected]

Please email or contact Senang customer service to ensure all correspondence reaches you in a timely manner.

Contact [email protected]

No.

Please email upon request to [email protected]

Should you require additional information about the product, please refer to the product disclosure sheets for more information.

If you have any enquiries, please contact us at:
Zurich General Insurance Malaysia Berhad
Level 23A, Mercu 3, No. 3, Jalan Bangsar, KL Eco City, 59200 Kuala Lumpur, Malaysia
Tel: 03-2109 6000
Fax: 03-2109 6888
Email: [email protected].

You must notify all claims to us within 24 hours, but not later than 30 days after the loss or damage. You can submit your claims online by email to [email protected] as below and/or submit the original claims documents to:-
If submission to zurich, to cite Master Policy No and certificate No:

Zurich HQ.
Zurich General Insurance Malaysia Berhad
Attention to: General Claims Department – AHWC
Level 23A, Mercu 3, No.3, Jalan Bangsar, KL Eco City
59200 Kuala Lumpur, Malaysia

Please call our 24 Hour, 7 Days Travel Assistance Helpline at +603 7841 5630

Your claim will be registered within 1 working day and you will receive a claim reference number. Your payment of claim will be 7 working days from the date of claim approved.

1 Claim per benefit.

Yes.

If multiple Insured Persons/ Persons Covered, regardless friends or family members, share the same baggage which is checked-in with the Common Carrier, we will only accept claim from 1 Insured Person/ Person Covered. This applies to delay, lost, stolen or damage. Reference can be made to policy/ certificate wording – Special Conditions applicable to Benefit 8

Mountaineering or any activity above three thousand (3,000) meters height is excluded from this policy/ certificate.

We do not cover any loss that is payable by any other sources. However, we will pay the difference between the amount payable from any other source and the actual loss you have incurred.

Documentation needed for claims are

• Completed Claim Form– To be done via email to Senang ([email protected])
• Police Report
• Medical report (not required for claims below RM250.00)
• Medical Certificates
• Copy of identification card (both sides)
• Original receipts/bills
• If it’s Permanent Disablement – Specialists’ report
• Copy of Post Mortem Report
• Copy of Death Certificate
• Copy of burial/cremation certificate
• Letters of Administration if nomination not done
• Copy of identity card of the beneficiary
• For Motor accidents – Copy of Valid International driving license
• E-Payment Form