Travel Insurance in Malaysia: 3 Plans to Compare Before Your Trip
Nabil Farhan· · 5 min readTable of contents
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.
According to the Persatuan Insurans Am Malaysia (PIAM), travellers should compare factors such as coverage limits, exclusions, destination risks and additional benefits before choosing a travel insurance plan.
Here is a breakdown of three travel insurance plans available through BJAK to help you compare your options.
1. Zurich Z-Travel Takaful
Zurich Z-Travel Takaful is a Shariah-compliant travel protection plan for travellers going overseas. It offers several coverage levels, including Silver, Gold and Diamond, so the benefits and limits depend on the plan you choose.
Key benefits for international travel:
- Accidental death and permanent disability: Up to RM500,000
- Medical expenses: Up to RM500,000, with unlimited coverage under the Diamond Plan
- Emergency medical evacuation and repatriation: Unlimited 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 such as 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 plan.
2. Allianz Travel Easy
Allianz Travel Easy provides travel protection for both overseas and domestic trips. It covers common travel risks, from medical emergencies to baggage-related problems.
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: Overseas hospital bills exceeding RM20,000 per admission may qualify for cashless hospital admission and discharge, subject to the policy terms. Leisure sports activities are also included, but you should check the policy wording for specific exclusions and claim requirements.
3. Liberty Travel Star
Liberty Travel Star focuses on medical emergencies, personal accidents and unexpected travel inconveniences. The plan also provides 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: Liberty Travel Star also includes benefits such as hospital income, compassionate visits and child care, subject to eligibility and policy conditions. Family coverage may have different limits for certain benefits, so check the policy schedule and excess amounts 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 | Up to RM1 million | 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 and policy documents before purchasing.
How to Choose a Travel Insurance Plan
- Destination: Medical costs and travel risks vary between countries. Confirm that the plan covers your destination and the relevant geographical zone.
- Medical coverage: Review the medical expense limit and emergency evacuation benefits, especially when travelling to countries with high healthcare costs.
- Trip cost: If you have paid for flights, accommodation or tours in advance, make sure the trip cancellation and curtailment limits are sufficient for your non-refundable expenses.
- Baggage and travel delays: Check the compensation limits, waiting periods and documents 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 additional benefit or are excluded.
- Existing medical conditions: Pre-existing conditions may be excluded or subject to specific limitations. Read this section of the policy wording carefully.
- Exclusions: Check what the policy does not cover before making your decision.
Do You Still Need to Check COVID-19 Coverage?
COVID-19 may no longer be the main concern for many travellers, but some travel insurance plans still include COVID-19-related coverage or optional benefits.
When comparing plans, focus first on core benefits such as overseas medical expenses, emergency medical evacuation, trip cancellation and baggage protection. If COVID-19 coverage is important to you, check the latest policy wording or contact the insurer to confirm exactly what is covered.
Compare Travel Insurance Through BJAK
Choosing travel insurance is not only about finding the lowest premium. Look at the medical coverage, emergency evacuation limit, cancellation benefits, baggage protection, exclusions and claim conditions before making a decision.
You can compare travel insurance plans through BJAK and review the available options based on your destination and travel needs.
The travel insurance options currently displayed on BJAK include Zurich Z-Travel Takaful, Allianz Travel Easy, and Liberty Travel Star.
Always read the policy or certificate wording before purchasing to understand the actual benefits, limits, exclusions and conditions that apply to your trip.ndemic-related disruptions are handled.
