Travel insurance protects you from unexpected expenses while travelling, such as overseas medical bills, trip cancellations, flight delays, and lost baggage. The right plan depends on your destination, travel duration, budget, and the specific type of protection you need.
Here is a breakdown of three travel insurance plans available through BJAK to help you compare your options.
1. Zurich Z-Travel Takaful
Zurich offers Z-Travel Takaful for travellers looking for Shariah-compliant travel protection. The plan features multiple coverage tiers (Silver, Gold, Diamond), meaning benefits and limits scale based on the option you select.
Key benefits for international travel:
- Accidental death and permanent disability: Up to RM500,000
- Medical expenses: Up to RM500,000 (Unlimited coverage under the Diamond Plan)
- Emergency medical evacuation and repatriation: Unlimited coverage under selected plans
- Trip cancellation or curtailment: Up to RM30,000
- Travel delay: Up to RM7,200
- Personal liability: Up to RM1 million under selected plans
- Emergency cash: Up to RM5,000 under selected plans
What to consider: Selected benefits like personal liability and emergency cash are not included in every tier. Always check the certificate wording for specific exclusions, eligibility, and claim conditions based on your chosen level.
2. Allianz Travel Easy
Allianz Travel Easy provides comprehensive protection for both overseas and domestic trips, covering common travel disruptions from medical emergencies to baggage-related issues.
Key benefits for overseas travel:
- Accidental death and permanent disability: Up to RM200,000
- Medical expenses: Up to RM200,000
- Emergency medical evacuation and repatriation: Up to RM1 million
- Trip cancellation: Up to RM25,000
- Loss or damage to personal luggage: Up to RM5,000
- Loss of travel documents: Up to RM5,000
- Luggage delay compensation: Up to RM3,000 (subject to policy conditions)
What to consider: Eligible overseas hospital bills exceeding RM20,000 per admission may qualify for cashless hospital admission and discharge. Leisure sports activities are generally included, but check the policy wording for waiting periods, specific exclusions, and claim requirements.
3. Liberty Travel Star
Liberty Travel Star focuses on medical emergencies, personal accidents, and unexpected travel inconveniences, backed by 24-hour worldwide travel assistance.
Key benefits for overseas travel:
- Accidental death and permanent total disablement: Up to RM250,000 (for adults)
- Overseas medical expenses: Up to RM300,000
- Emergency medical evacuation and repatriation: Up to RM300,000
- Trip cancellation or curtailment: Up to RM15,000
- Loss or damage to personal luggage: Up to RM4,000
- Loss of travel documents: Up to RM5,000
- Travel delay compensation: Up to RM2,000
- Personal liability: Up to RM1 million
What to consider: This plan includes unique benefits like hospital income, compassionate visits, and child care (subject to eligibility). Note that family coverage utilizes different limits for certain benefits. Review the excess amounts and per-item limits before purchasing.
Compare the 3 Travel Insurance Plans
| Benefit | Zurich Z-Travel Takaful | Allianz Travel Easy | Liberty Travel Star |
| Accidental death & disability | Up to RM500,000 | Up to RM200,000 | Up to RM250,000 |
| Overseas medical expenses | Up to RM500,000 (Unlimited under Diamond) | Up to RM200,000 | Up to RM300,000 |
| Emergency medical evacuation | Unlimited (under selected plans) | Up to RM1 million | Up to RM300,000 |
| Trip cancellation | Up to RM30,000 | Up to RM25,000 | Up to RM15,000 |
| Baggage and personal effects | Plan-dependent | Up to RM5,000 | Up to RM4,000 |
| Personal liability | Up to RM1 million (under selected plans) | Check policy schedule | Up to RM1 million |
(Note: The table highlights selected benefits for international travel. Limits, eligibility, excess amounts, and exclusions vary by plan. Always confirm the benefits shown in your quotation before purchasing.)
How to Choose a Travel Insurance Plan
- Destination: Medical costs and travel risks vary drastically between countries. Confirm the plan explicitly covers your destination region.
- Medical coverage: Review the medical expense limit and emergency evacuation benefits, especially if travelling to regions where healthcare is notoriously expensive (e.g., USA, Europe).
- Trip cost: If you have paid for flights, accommodations, or tours in advance, ensure the trip cancellation and curtailment limits adequately cover your non-refundable expenses.
- Baggage and travel delays: Look closely at the compensation limits, required waiting periods (e.g., 6 hours vs. 12 hours), and documentation required to make a claim.
- Travel activities: If you plan to participate in winter sports, scuba diving, or adventure activities, confirm whether they are covered, require an add-on, or are entirely excluded.
- Existing medical conditions: Pre-existing conditions are frequently excluded or subject to strict limitations. Read this section of the policy wording carefully.
Do You Still Need to Check COVID-19 Coverage?
While the urgency has faded, some insurers still provide COVID-19-related coverage or optional add-ons. When comparing plans, prioritize core benefits like overseas medical expenses, emergency evacuation, and cancellation. If COVID-19 coverage remains a personal priority, check the latest policy wording or contact the insurer to confirm exactly how pandemic-related disruptions are handled.
Compare available travel insurance plans on BJAK before your next trip.