Table of benefits & premiums  |  Entry age  |  Maximum cover

Mode of payment  |  Excluded Occupations  |  Other conditions  |  Per trip cover

TRAVEL PERSONAL ACCIDENT

Application form   

1 COVERAGE Accidental Death & Dismemberment (ADD)
Medical Reimbursement (MR)
Hospital Income (HI)
Emergency Medical Evacuation Benefit (EMEB)
Repatriation of Remains (RR)
Staff Replacement Expenses (SRE)
Travel Inconvenience (TI)

 
2 SPECIAL FEATURES

 
  •  
 MR : Medical Reimbursement of reasonable and customary medical expenses for treatment of accidental injury or sickness commenced during an insured journey.  Medical expenses incurred for Continuation of medical treatment in Malaysia within 30 day upon return from overseas can be reimbursed up to a maximum of RM15,000 and subject to the Medical Reimbursement limit.
 
  •  
 HI : Daily Hospital Income of RM350 a day (up to a maximum of 20 days) is provided upon admission to a hospital for continuous 24 hours due to accidental injury or sickness during a journey.
 
  •  
 EMEB
& RR
  		 : AIAS will arrange for Emergency Medical Evacuation and Repatriation upon medical necessity.
  
  •  
 SRE : A round journey transport ticket and reasonable hotel accommodation expenses for a replacement employee in the event of Hospitalization or repatriation of the assured person during a journey to ensure that his mission is not interrupted.
 
  •  
 TI : Travel Inconvenience benefits include Journey Cancellation, Journey Curtailment, Travel Delay, Baggage Delay, Loss of Travel Documents, Loss of Money and Loss of Baggage.

 

 3   TABLE OF BENEFITS & PREMIUMS (RM)
 

Sum Insured (RM)
Benefits

International (Basic)

Domestic (Rider)
1  Accidental Death & Dismemberment 300,000 200,000
2  Medical Reimbursement 300,000 20,000
3  Hospital Income Benefit (RM350 per day, Max. 20 days) Up to 7,000 Up to 7,000
4  Emergency Medical Evacuation Benefit Unlimited Unlimited
5  Repatriation of Remains Unlimited Unlimited
6  Staff Replacement Expenses 5,000 N/A
7  Travel Inconvenience
 
a) Loss of Deposits/Journey Cancellation
b) Journey Curtailment
c) Travel Delay (RM200 per each 6 hours)
d) Baggage Delay (RM150 per each 6 hours)
 
e) Loss of Travel Documents
f) Loss of Money
g) Loss of Baggage
Sub Limits - Personal Computer
- Golf Equipment
 
 
5,000
5,000
Up to 2,000
Up to 1,000
 
5,000
1,000

5,000

2,000

1,000
 
 
2,000
N/A
Up to 1,000
Up to 500
(Only by Flight)
N/A
N/A
1,000
1,000
1,000

Annual Premium
Stamp duty

 350
10		 200
10

 

4 ENTRY AGE
 
17 - 70 years

 
5 MAXIMUM COVER
 
Each assured person is eligible to have a max. of 1 policy of AIA Travel PA.

 
6 MODE OF PAYMENT
 
Annual

 

7 EXCLUDED OCCUPATIONS
 
a. Divers, Deepsea fishermen, miners, tunnellers, workers handling explosives, weapons production workers, labourers in any kind of work, off shore workers, aerial photographers, hitchhikers, workers engaging in testing of any kind of conveyance, professional sportsman.
 
b. Individual engaging in naval: military or airforce service or operations.
 
c. Crew member or operator of any common carrier.
 
d. All class 5 risks.

 
8 OTHER CONDITIONS
 
a. For domestic travel by land, the destination is beyond 100 kilometers from the normal place of residence or employment.
 
b. No backdating of policy Effective Date is allowed.
 
c. The assured person should not travel contrary to the advice of his medical practitioner.
 

Uploaded Sep 05 2007