I am sure you might agree that there are many types of travel insurance policy. Looking through the policies is no easy feat especially to those who are not from the insurance industry.

In some countries, the insurers are required to word the policy documents in the language that a lay person can reasonably understand, however in Malaysia, we will probably have to Google some phrase and words and hope to understand them better.

Medical is one of the main reason why people buy travel insurance, hence we will discuss about the feature within the policy here for general understanding.

Medical Expenses in a travel plan covers the medical expenses incurred overseas due to accidental bodily injury and illness. The key phrase accidental bodily injury as in physical injury that is not deliberately caused by own self, recklessly cause harm to oneself, and in the case of being assaulted it is unprovoked.

The word injury means that there was an external thing or force that caused the injury. The word bodily means that the injury is physical and not psychological. Medical benefits found in travel insurance are usually on reimbursement basis. Some of us are accustomed to the notion that medical expenses claims can be done on cashless basis while overseas.

Such benefits can only be made available if the plan comes with a Managed Care Organisation that coordinates the Letter of Guarantee to the respective hospitals or has a network of hospitals that deals with the MCO.

If the trip involves extreme sports at amateur level such as rafting, kayaking, yachting, ice skating, skiing, snowboarding, bungee jumping, ATV, indoor climbing, paintball shooting, mountaineering (excluding those that requires rope and equipment) etc; some travel policies such as Allianz Travel Care can extend to cover those activities. This also means should there be any injury due to such activities, the medical expenses will also be covered.

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It is first time in my life I had travel insurance. It worth to have it. That trip I didn't have any trouble in the foreign country even my luggage was delay to arrive. I advice everybody to have it.

Ali Engin

Very helpful and keep updated on the travel insurance conditions. Age is not an issue, if you continue of renewing every year. I am senior citizen but no big issue, still renewing. 

Nedim Alibi

I am frequent traveler due to my office commitments. I got this annual travel insurance and never wonder. Hassle free. I encourage everyone to have for this insurance done.

Abdul Aziz

Well done. I had this insurance policy and found out that this is necessary for all travelers. Encourage everyone whose travel around the world as frequent flyer. 

Lai May Leng

At the beginning I didn't expect that quality service from this company. They treat me like a queen. I would  like to give rating 5 stars for this company due to their friendly approach.


Very detailed quotation from the company, so you know what to expect from the circumstances.  No more complaints. Will renew every year for my travel arrangements.


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