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*Effective 1/4/2015, All Insurance premium paid are subject to 6% Goods and Service Tax (GST) and Tax Invoice will issued by insurer (insurance company).




ACPG Travel Insurance Package

Underwritten By Malaysia Insurance Berhad.
Marketed & Provided By ACPG Travel Insurance Division.

Travel Insurance

1) 24 Hours Worldwide Coverage For Individual and Family Package.

2) Based on Listing of Rate and add on RM 10 Stamp Duty.

3) Acceptance Payment For Online Bank Transfer or Credit Card Online Payment.

Online Bank Transfer to

ACPG Management Sdn Bhd

- Public Bank Account : 398-517-403-4


4) Please fill up above Online Submit Form.

5) Any enquiry or more information, please contact our

ACPG Travel Insurance Division Careline : +603 - 9286 3323 / +6011 - 1223 9838













ACPG Travel Insurance Package - Short Trip Travel Insurance



ACPG Travel Insurance Package - Short Trip Travel Insurance

Travel Insurance (Short Trip)
Business Trip / Holiday Trip
As Low As RM 8.00 per day.

Cash Less Hospital Admission Worldwide Coverage

Medical Expenses up to
- RM 10,000,000.00

Personal Accident Coverage
- RM 300,000.00

- 24 hours daily Emergency Assistance anywhere, anytime
- 24 hours Doctor On Call
- No maximum age limit
- Up to RM10 million medical expenses
- Spouse, family and annual plans are available
- Affordable premium
- Trip cancellation cover begins even before you travel
- Cover acts of Terrorism, Hijacking and Natural Disaster
- 24 hours multilingual interpreter service
- Covers leisure and business travel
- Flexible Per Trip plan for ad hoc travelers



ACPG Travel Insurance Package - Short Trip Travel Insurance FAQs

What is Travel Insurance?

- Travel Insurance is a comprehensive insurance plan for domestic and overseas travel. The major benefits provided are medical related benefits, personal accidents benefits, travel inconvenience & other travel-related benefits and 24-hours worldwide travel assistance.

- Additionally, you can choose to purchase our optional rider benefit which extends your coverage to include your golfing equipments and your participation in special sports such as winter sports activities & scuba diving.

What is the age limit to purchase Travel Insurance?

(a) Per Trip plan – minimum 31 days, up to a maximum of 65 years.
(b) Annual plan – entry age is between 18 to 60 years, and is renewable up to 65 years.

Who is eligible to purchase?

- An individual who travels domestically within Malaysia or overseas for the purpose of leisure and/or business. However, we do not cover for any travels made in, to or through Afghanistan, Cuba, Democratic Republic or Congo, Iran, Iraq, Liberia, Sudan or Syria.

What is the maximum period of coverage?

(a) Per trip plan – 180 consecutive days for an overseas trip, 60 consecutive days for a domestic trip.
(b) Annual plan – 100 consecutive days for an overseas trip, 60 consecutive days for a domestic trip.

When does my coverage for the overseas trip begin?

(a) Travel Cancellation
Per Trip plan – 24 hours from the purchase of the policy, unless due to an accident in which cover commences from the policy purchase date.
Annual plan – 24 hours from the purchase of the policy or after travel is booked whichever occurs later, unless due to an accident in which cover commences from the travel booking date.

Cancellation of a scheduled trip due to death, permanent total disablement or hospitalization must occur within 60 days prior to your original scheduled departure and for other covered events, it must occur within 14 days prior to your original scheduled time of departure.

(b) Travel Delay and Accidental Death & Disablement
Within 12 hours prior to departure from Malaysia.

(c) All other benefits
Upon departure from Malaysia.

I am holding a one-way ticket. Can I purchase Travel Insurance?

- Yes. For one-way travel, coverage terminates 5 days upon your departure from Malaysia.

What should I do if the airline lost my baggage?

- Lodge a report and seek compensation from the airline. You may file in your claim for the loss not compensated by the airline.

Can I buy more than one Travel Insurance policy for the same trip?

- If you are covered by more than one policy, we will cover you based on the policy which provides the highest benefit level.

Are activities such as winter sports & scuba diving covered?

- Winter sports & scuba diving activities will be covered if the Special Sports Optional rider is purchased and as long as it does not involve engaging, practicing or participating in a semi-professional or in a professional capacity or where income or remuneration can be earned from in such sports.

Is the benefit payable by per incident or per trip?

- Sum insured listed in the schedule of benefit is payable based on per incident.

Who do I contact for an emergency assistance or if I need to be admitted to a hospital while overseas?

- Please call ACPG Travel Insurance at 603 9286 3323. You may reverse charge the call where this service is available. Please contact Travel Insurance prior to seeking care. If you are unable to do so during an emergency, seek treatment first, and contact ACPG Travel Insurance as soon as possible.

What is the definition of Immediate Family Members?

- It refers to the legal spouse, child, parent and their siblings, parent-in-law, grandparent, grandparent-in-law, grandchild, sibling, sibling-in-law, niece or nephew of the insured.

I am travelling to multiple countries, do I need to buy a separate plan for each country? Which region should I select?

- If you are travelling to multiple destinations within the same trip, you can be covered under one policy. Please select the furthest region as listed under our area of coverage.

Can I cancel my policy and get a refund?

- No refund of premium is allowed once the policy has been issued.

How do I submit a claim?

- Please submit a duly completed travel claim form within 30 days from the date of loss, together with all supporting documents to ACPG Management SDN BHD at 158-3-7, BLOCK 158, 3RD FLOOR, KOMPLEKS MALURI, JALAN JEJAKA, TAMAN MALURI, CHERAS 55100 KUALA LUMPUR.

How long does it take to process a claim?

- 30 working days upon receiving complete documentation and provided that there is no further information or investigation required.

What should I do if the airlines loses my baggage/s?

- Lodge a report and seek compensation from the airline authority. You may file in your claim for losses not compensated by the airlines.

Will I be covered for an illness that I am already suffering from or have suffered in the past?

- No. We do not cover any pre-existing condition occurring within 1 year prior to the policy effective date.

Can I continue my medical treatment in Malaysia for injuries sustained overseas?

- Yes. If you suffer from a disability while travelling on an overseas trip and subsequently seek follow-up treatment in Malaysia, we will reimburse the medically necessary expenses incurred within 30 days upon arrival to Malaysia, subject to the medical expenses limit specified in the schedule of benefit.

If I fall down overseas but do not seek treatment overseas, can I claim for medical expenses if I seek treatment after returning to Malaysia?

- Yes, only if the treatment is sought within 24 hours from the date of arrival in Malaysia. We will reimburse the medically necessary expenses incurred within 30 days upon arrival to Malaysia, subject to the medical expenses limit specified in the schedule of benefit.

Are dental expenses or pregnancy-related matters covered?

- No, dental expenses and pregnancy-related matters are not covered, unless they are direct consequences of an accident.

I need to cut-short my trip because my father is hospitalized in Malaysia. What am I covered for?

- We will reimburse the reasonable and necessary additional cost of travel and accommodation up to RM 1,000 and the unused and non-refundable expenses which is paid in advance and not recoverable from any relevant parties.

Can I file a claim if my baggage is stolen where it is left outside on a bench while I am checking in?

- No, we do not cover for loss of baggage left unattended in any public place, as the policy excludes any failure of the insured to take reasonable efforts to safeguard his/her property.

Can I claim for travel cancellation if I cancel my trip because of political unrest at my planned destination?

- Yes, travel cancellation covers any event below which occurs within 14 days prior to original scheduled departure which:

(a) leads to widespread violence;
(b) is not due to reasons for purposes of asserting sovereign rights and/or operating on behalf of a sovereign state; puts your life in danger; and
(c) following the advise and/or warning of the Malaysian government or the government of the destination country declaring unsafe conditions for travel through or by general mass media.

However, this policy excludes strikes or events due to an act of war, assertion of sovereignty, insurrection, revolution and use of military power.

What should I do if I lose money whilst aboard?

- You must make a report to the local police within 24 hours after the incident. Please submit a police report (in English translation) in the event of a claim, together with the proof of travel and completed claims form.

Will I be covered if my belongings are pick-pocketed while traveling overseas?

- Yes. You must make a report to the local police within 24 hours after the incident. Please submit a police report (in English translation) in the event of a claim, together with original purchase receipts and a completed claims form.

Does Travel Insurance cover for natural disasters?

- Yes. Natural disasters including but not limited to volcanic eruption, flood, earthquake, tsunami, hurricane or wildfire are covered events under our policy.

If I transit in the Middle East (region 3) during my trip to Europe (region 2) but I am not stopping over in the Middle East, what region should I buy?

(a) If you transit in the Middle East with no stop over, you may purchase a Region 2 plan.
(b) If you transit in the Middle East with a maximum stop over of 1 night because there is no connecting flight, you may also purchase a Region 2 plan.

Can a child purchase an individual policy and what is the premium and benefits?

- A child (aged between 31 days and above and up to 18 years) can purchase an individual policy but the policy must be issued under a parent or legal guardian's name, i.e. on the life of (OTLO) the child's name.

For example:
"Jack Tan OTLO Tan Mei Mei".

The payable premium for a child is the same as for an adult.
Under the Family plan, a child is entitled to 25% of the Accidental Death and Permanent Disablement benefit and all other benefits are payable at 100%.

Can I purchase travel insurance after I depart and still be covered?

- No. You must purchase the policy prior to your scheduled departure.

Can I extend my policy period after the commencement of my trip?

- Coverage shall be extended at our sole discretion for up to 30 days from the expiry of the period of insurance without payment of any additional premium if you are hospitalized and/or quarantined overseas as recommended by a doctor or as a result of any circumstances beyond your control which is deemed reasonable by us prohibiting your return to Malaysia prior to the insurance expiry.

When does the Home Away Protection cover starts?

- For domestic trips, coverage starts as soon as you depart from your place of residence or work. For overseas trips, coverage starts as soon as you depart from Malaysia. Coverage is valid if the travel period is a minimum of 2 days and terminates upon your return or upon completion of 31 consecutive days of travel, whichever is earlier.

Does Golf Insurance Rider cover extend worldwide?

- Cover is worldwide except for United States of America and/or Canada and to countries where such payment would violate any prohibition or regulation or sanction that has been imposed by the Malaysian Government, the American Government and/or the United Nations

Can I cancel my policy and get a refund?

- No refund of premium is allowed once the policy has been issued.


Malaysia Travel Insurance Tips, News, Case Study and Testimonies

News

Travel insurance saved my mum
29 September 2010, By The Star


RECENTLY, on a trip to China with my 81 year-old mother and some friends, we met with an accident. My mom and I were knocked down by a car. My mom suffered head injuries when she fell and hit her head on the pavement. We took her to the hospital where it was determined that she was bleeding in her brain and would be in no condition to travel.

Beside difficulties in communicating with the locals as their dialect was different from the Mandarin that we used in Malaysia, I also found out that it was going to cost a lot of money to treat my mother. Furthermore, the Chinese hospital would only accept yuan. Since I did not have much yuan with me, I was quite desperate.

Then I remembered the travel insurance I bought for the trip and called the emergency number given.

After confirming everything was in order, the customer service staff arranged for doctors from Malaysia and Beijing to liaise with the attending doctors at the hospital and to advise and keep me informed.

I was asked by the company's doctors whether I wanted to bring my mother home to Malaysia.

I told them that I did not see how it was possible due to my mother's condition.

They assured me that they would make the arrangement and a plane would be sent over to pick us up. The plane duly arrived as promised.

I was surprised that the plane had ICU facilities with a doctor and nurse on board. On arrival in Kuala Lumpur, there was an ambulance waiting to take us to the hospital requested by me earlier. I was really amazed that for the small premium that I paid, we were given such VVIP treatment.

As a businesswoman, I was impressed by the professional manner of their staff in looking after us. With more Malaysians now traveling, they should not neglect buying travel insurance from the right company, especially when traveling overseas.

They should also know what insurance coverage they are getting. I would like to thank all the staff who looked after us in China and Malaysia, especially Dr Alan, Dr Teoh, Dr Grey, Ms Sharmini and Ms Lisa. YVONNE YUE, Kuala Lumpur, Malaysia.


Testimonials

19th April 2009, ChoShan Island China.

Madam Tan, aged 65, sustained a fall whilst on a tour in ChoShan Island China. She sustained a fracture femur and was warded at the local hospital at ChoShan China. Her tour leader immediately contacted ISOS, Malaysia Insurer Medical Assist for assistance (Arranged by ACPG). Due to the limited medical facility at this hospital coupled with the patient's fragility, it was decided to evacuate her back to Malaysia for treatment before her conditions deteriorated.

Air ambulance was arranged, and with a medical escort team, Madam Tan was brought back to Malaysia just 3 days after the accident. Upon arrival at the airport, an ambulance awaited, and transported her to the Sime Darby Medical Center Subang where she was operated upon, and discharged three days thereafter.

Madam Tan is now on the road to recovery.


Case Study

Mrs Wong* loves to travel. At 56, she has all the time in the world to visit the places she could only dream about in her youth. Her daughter, Sherene Wong*, enjoys accompanying her on her trips. As they became seasoned travelers, Sherene Wong realized that having an enjoyable trip includes planning for safe trip.

"You can plan as much as you can but there are certain things you can just cannot plan for," she said. "Getting help in an unfamiliar place is a challenge I can do without."

Early this year, before leaving on their holiday to Canton, Shanghai and Beijing, Sherene Wong took her usual precautions. She told her family members where they were going, informed her credit card company, read all about the places that they were visiting and places to avoid and so on. She also purchased travel insurance for both of them.

On the third day of their tour, Mrs Wong slipped and fell and fractured her leg. She was immediately hospitalized and after 3 days, the Wong family decided that it would be better to transfer Mrs Wong back to Malaysia.

"Luckily we have travel insurance," said Sherene Wong. "It was enough to cover all the hospital bills in Shanghai, plus the cost of the medical evacuation." They paid only lowest premiums and were covered for High Sum Insured for medical expenses that included follow-up treatment in Malaysia. "I can't imagine how we could have paid for everything on our own," said Sherene Wong.

Today, Mrs Wong is well on the road to recovery and is already planning another trip. "We haven't decided on the destination yet," said Sherene Wong. "But it'll be short and relaxed, nothing too taxing, and I certainly will make sure that we have purchased travel insurance for the trip!".


ACPG Travel Insurance

- Worldwide Travel Medical Card with Cash Less Hospital Admission Assistance Program Coverage Insurance Plan Arranged by ACPG Management Sdn Bhd.




ACPG Worldwide Travel Medical Card with Cash Less Hospital Admission Program (Annual Plan Package)



ACPG Worldwide Travel Medical Card with Cash Less Hospital Admission Program (Annual Plan Package)

Premier Plan ( Annual Plan - 12 months period of coverage)
Annual plan – 100 consecutive days for an overseas trip.
Travelling to multiple destinations within the same trip, you can be covered under one policy.


ACPG Travel Assist Medical Card is a comprehensive worldwide travel medical card with cash less hospital admission benefits insurance plan for overseas travel or business trip.

Major benefits provided are medical related benefits, personal accidents benefits, travel inconvenience & other travel-related benefits and 24 hours worldwide travel with emergency hospital admission cash less system assistance.

Sum Insured and Benefits Coverage (Coverage only for Departs Malaysia)

A Medical Related Benefits

01) Medical Expenses - RM 10,000,000.00 (RM10 million)

A) Compassionate visit - up to max RM 7,500.00 (Due to Hospitalization more than 5 days or Death of Insured)

B) Child Guard - up to max RM 7,500.00 (Covered expenses incurred to accompany your child back to Malaysia If insured are hospitalized and there is no one took after your child.
02) Daily Hospital Income - RM 250 per day and up to max RM 30,000.00 per disability.
03) Emergency Medical Evacuation and Repatriation of Mortal Remains - RM Unlimited.
Sum insured or Benefits listed in the schedule of benefit is payable based on per incident.

B Personal Accident Benefits

04) Accident Death or Permanent Disablement - RM 300,000.00.

C Travel Inconvenience and Others Travel Related Benefits

05) Travel Cancellation - RM 25,000.00
06) Travel Curtailment - RM 25,000.00
07) Travel Delay - Common Carrier - up to max RM 3,600.00 (RM 150 / every 6 consecutive hours of delay)
08) Travel Delay - Chartered Flight - up to max RM 1,200.00 (RM150 / every 10 consecutive hours of delay)
09) Travel Re-route, Travel Overbooked, Travel Misconnection, Missed Departure - RM 1,200.00 (RM 200 / every 6 consecutive hours of delay)
10) Baggage Delay - RM 1,000.00 (RM 200 / every 6 consecutive hours of delay)
11) Damage or loss of baggage and / or personal effects due to theft or negligence of common carrier - A) Baggage Damage - RM 250 per baggage
B) Loss of Baggage and/ or Personal Effects - up to max RM 7,500.00 (Max limit RM 500.00 per items, Laptop or golf equipment is RM 1,000.00)

12) Loss of Travel Documents due to theft - up to max RM 7,500.00.
13) Loss of Money due to Theft - up to max RM 1,000.00.
14) Personal Liability - up to max RM 1,000,000.00.
15) Home Inconvenience Allowance due to theft - RM 2,000.00
16) Compassionate visit - up to max RM 7,500.00 (Due to Hospitalization more than 5 days or Death of Insured)
Sum insured or Benefits listed in the schedule of benefit is payable based on per incident.

D Trip Assistance Solution (Included)

1) 24 hours Worldwide Travel Assistance.
2) Doctor or Physician On Call.
3) World Event Alert Services.
4) Global Weather.
5) Emergency Travel Services.
6) Emergency Language Interpreter
7) Ambassador Services
8) Global Cash

All above mention of coverage and benefits should refer to policy wordings for full terms and conditions.


Coverage for overseas trip begin

Annual plan - 24hours from the purchase of the policy or after travel is booked whichever occurring later, unless due to accident in which cover commences from the travel booking date

Cancellation reason must occur within 60 days (for death/permanent total disablement or hospitalization) or 14 days (for other covered reasons) prior to original scheduled departure.

Travel Overbooked/Missed Departure/Delay/Accidental Death & Disablement
Within 12hours prior to departure from Malaysia
All other benefits upon departure from Malaysia

Annual Premium and Coverage Countries

Region 1
Asia Country including Australia, New Zealand, Myanmar, Pakistan, Dubai except Bangladesh, Nepal, Tibet, Mongolia (Inner & Outer), Middle East.

Annual Premium - RM 322.00 (Included RM 10.00 Stamp Duty)

Region 2
(Europe Country including Region 1 countries).
Annual Premium - RM 464.00 (Included RM 10.00 Stamp Duty)

Region 3
(Worldwide including Bangladesh, Nepal, Tibet, Mongolia (Inner & Outer), Middle East.
Annual Premium - RM 549.00 (Included RM 10.00 Stamp Duty)

This policy Not cover for any travels made in, to or through Afghanistan, Cuba, Democratic Republic or Congo, Iran, Iraq, Liberia, Sudan or Syria.


FAQ - Annual Plan

01) If We need an emergency assistance or if We need to be admitted to a hospital whilst overseas?

Please call ACPG Travel Insurance at 603 9286 3323.

You may reverse charge the call where this service is available. Please contact Travel Guard prior to seeking care. If you are unable to do so during an emergency, seek treatment first, and contact Travel Guard as soon as possible.


02) Are activities such as winter sports & scuba diving covered?

All leisure sports are covered at no extra premium as long as it does not involve engaging, practicing or participating in any sport whether in a semi professional or in a professional capacity or where income or remuneration can be earned from engaging in such sports.


03) Can I cancel my policy and get a refund?

No refund of premium is allowed once the policy has been issued.


04) How do I submit a claim?

Please submit a duly completed travel claim form within 30days from the date of loss, together with all supporting documents and contact ACPG +603-92863323 or email to enquiry@acpgconsultant.com.


05) How long does it take to process a claim?

30 working days upon receiving complete document, and provided that there is no further information or investigation required


06) What should I do if the airline loss my baggage?

Lodge a report and seek compensation from the airline. You may file in your claim for the loss not compensated by the airline


07) Will I be covered for an illness that I am already suffering from or have suffered in the Past?

No. We do not cover any pre-existing condition within 1 year prior to the policy effective date.


08) Can I continue my medical treatment in Malaysia for injuries sustained overseas?

Yes. If you suffer from a disability while on an overseas trip and then seek follow-up treatment in Malaysia, we will reimburse the medically necessary expenses incurred within 30 days upon arrival to Malaysia, subject to medical expenses limit specified in the schedule of benefit.


09) If I fall down overseas but did not seek treatment overseas, can I claim for medical expenses if I seek treatment after returning to Malaysia?

Yes. If no treatment is sought overseas, you must sought first treatment within 24 hours from the date of arrival in Malaysia. We will reimburse the medically necessary expenses incurred within 30 days upon arrival to Malaysia, subject to medical expenses limit specified in the schedule of benefit.


10) Are dental expenses or pregnancy-related matters covered?

No. Dental expenses and pregnancy-related matters are not covered, unless they are direct consequences of an accident.


11) I need to cut-short my trip because my father is hospitalized in Malaysia. What am I covered for?

We will reimburse the reasonable and necessary additional cost of travel and accommodation up to RM 1,000 and the unused and non-refundable expenses which is paid in advance and not recoverable from any sources.


12) Can I file a claim if my baggage is stolen as I left it outside on a bench while I am checking In?

No, we do not cover for loss of baggage left unattended in any public place, as the policy excludes any failure of the insured to take reasonable efforts to safeguard his/her property.


13) Can I claim for travel cancellation if I cancel my trip because of political unrest at my planned destination?

Yes, travel cancellation covers any event below which occurs within 14 days prior to original scheduled departure.

· Event which leads to widespread violence
· Event which put your life in danger
· Event which with the advise of the government declaring unsafe conditions for travel

However, the policy excluded strike or events due act of war, assertion of sovereignty, insurrection, revolution and use of military power.


14) What should I do if I lose money whilst aboard?

You must report to local police within 24 hours after the incident. Please submit a police report (in English translation) in the events of claims, together with proof of travel and completed claims form.


15) Will I be covered if my belongings are pick-pocketed while traveling overseas?

Yes. You must report to local police within 24 hours after the incident. Please submit a police report (in English translation) in the events of claims, together with original purchase receipt and completed claims form.


16) Does Travel Assist cover for Natural Disaster?

Yes. We cover Travel Cancellation, Travel Curtailment, Travel Delay, Medical Expenses reimbursement and Accidental Death or Permanent Disablement due to Natural Disaster.


17) If I transit in Middle East (region 3) during my trip to Europe (region 2) but I am not stopping over in Middle East, what region should I buy?

If you transit in Middle East with no stopover, you may purchase a region 2 plan.
If you transit in Middle East with maximum stopover of 1 night because there is no connecting flight, You may also purchase a region 2 plan.


18) Can I extend my policy period after my trip commence?

Coverage shall be extended at our discretion for up to 30 days from the expiry of the period of insurance without payment of any additional premium if you are hospitalized and/or quarantined overseas as recommended by a doctor or any other circumstances beyond your control which is deemed reasonable by us prohibiting your return to Malaysia prior to the insurance expiry.

All above mention of coverage and benefits should refer to policy wordings for full terms and conditions.




Even the best-planned holiday can be you need? affected by the unexpected.
Why expose yourself when travel insurance can give you the cover.


     
   
 
   
Walk In Online International Group  沃盈网联商城国际集团
China, Hong Kong, Malaysia, Singapore, Indonesia, Thailand
中国, 香港, 马来西亚, 新加坡, 印尼, 泰国
Email : hq@walkinonline.com
 
   
 
 
   
 
 
   
 
 
   
 
 
 
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