The best flight insurance varies according to individual needs and preferences. But some policies are more popular and highly rated options compared to others because offer comprehensive coverage that includes a range of incidents and ensuring peace of mind when travelling. We’ve compiled 5 of the best flight insurance you can get in Malaysia before going on a vacation.
Zurich Z-Travel
This plan offers comprehensive coverage for trip cancellation, medical expenses, travel delays, and baggage loss. It also includes Shariah-compliant options for those seeking alternatives.
With a cover amount of up to RM1,000,000, you will receive cover:
- Accidental Death & Permanent Disability up to RM500,000
- Unlimited Medical Expenses for Diamond Plan customers
- Unlimited Medical Evacuation and Repatriation for all plans
- Baggage & Personal Effects RM5,000
- Personal Liability up to RM1 million
- Emergency Cash up to RM5,000 and more
Why choose the Z-Travel Insurance plan by Zurich?
- It has four different levels of cover types to choose from
- Miscellaneous benefits such as home care, pet care, wakaf and more
- COVID-19 add-on option and coverage up to RM500,000
Allianz Travel Easy
This plan is a good choice for those who want a basic level of coverage at a competitive price. It includes coverage for trip cancellation, medical expenses, and travel delays.
- Overseas and domestic travel for you and your family
- Death and permanent disablement due to accidents up to RM200,000
- Medical expenses coverage up to RM200,000
- Deposit or trip cancellation up to RM25,000
- Emergency medical evacuation and repatriation of up to RM1 million
Why choose Allianz Travel Easy?
- Complimentary exclusive Cabin Size Luggage
- Extended COVID-19 coverage
- Coverage for sports and mountaineering activities
- Renowned and highly-rated insurer
Etiqa TripCare 360 Takaful Gold
This plan is similar to the Etiqa TripCare 360, but it offers a higher level of coverage for medical expenses and travel delays. It also includes coverage for overseas hospitalization and emergency medical evacuation.
With an Aggregate Limit of Liability up to RM5,000,000 per certificate, it covers the following:
- Accidental death or permanent disability up to RM500,000
- Medical-related expenses up to RM500,000
- Loss or damage to your baggage up to RM5,000
- Flight delays of up to RM5,000
- Loss of travel documents up to RM1,500
- Alternative treatment expenses up to RM1,000 and more
Why choose Etiqa’s Takaful TripCare 360 plan?
- Cashless Medical Care – Letter of Guarantee for accident or illness during overseas trips. Admission to the hospital is free of charge (Coverage does not include pre-existing diseases).
- Loss of Baggage – Baggage claims of up to RM1000 based on the covered amount.
- Travel Delay – Get RM100 when your flight is delayed for 2 hours without submitting any claim.
- Covid-19 Add-on Coverage – Unexpected trip cancellations due to Covid-19 or being infected with Covid-19 while travelling
RHB Annual Travel Protector
RHB’s comprehensive Annual Travel Protector plan compensates for accidental death, bodily injury or illness and travel inconveniences during your trips.
With a cover amount of up to RM3,000,000, you will receive compensation for:
- Accidental Death and Permanent Disability up to RM500,000
- Medical and other necessary expenses up to RM600,000
- Emergency Medical Evacuation & Repatriation up to RM3,000,000
- Luggage & Personal Items up to RM7,500
- Trip Cancellation or Curtailment up to RM40,000 and more
Why choose RHB’s Annual Travel Protector plan?
- Covers COVID-19 medical expenses
- Offers hospital allowance of up to RM500 per day
- Hijacking Inconvenience and Full Terrorism Cover
Tokio Marine Explorer
This plan offers comprehensive coverage for trip cancellation, medical expenses, travel delays, baggage loss, and lifestyle cover. It also includes coverage for hospitalisation and inconveniences caused by COVID-19.
The plan provides compensation of up to RM1,000,000, including:
- Personal Accident up to RM500,000
- Medical and Related Expenses up to RM1,000,000
- Personal luggage and effects up to RM8,000
- Hospitalisation due to Covid-19 up to RM500,000
- Emergency evacuation as charged or up to RM1,000,000 and more
Why choose Tokio Marine’s Explorer Insurance plan?
- High sum insured up to RM1,000,000 for medical expenses
- Coverage for trip cancellation and travel delay
- Cashless admission for accidental injury
- Emergency travel assistance 24/7
***
In addition to the plans mentioned above, there are many other flight insurance options available in Malaysia. It is important to compare different plans and read the fine print carefully before choosing one.
Here are some factors to consider when choosing flight insurance:
- Trip cost: The cost of your flight insurance should be proportional to the cost of your trip.
- Destination: Some destinations may require you to purchase additional coverage.
- Travel activities: If you are planning any high-risk activities, you may need to purchase additional coverage.
- Medical conditions: If you have any pre-existing medical conditions, you may need to purchase additional coverage.
Bjak is one of Malaysia’s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!
Read more:
