Zurich is a reputable insurance brand worldwide. It offers various insurance solutions to cater to the different needs of people across the globe. Its Z-Travel insurance plans are one of the best policies that travellers can subscribe to, as it provides competitive coverage and benefits for policyholders. Let us share why Zurich travel insurance plans are worth considering as your ideal travel protection for this year’s adventure.
Types of policies
Z-Travel Insurance offers comprehensive coverage for both international and domestic travel in Malaysia. It comes in two variants: Z-Travel Insurance (International) and Z-Travel Insurance (Domestic), which cater to different needs.
Domestic
If you are planning to travel within Malaysia but still want a travel policy that attends to your needs, Z-Travel Insurance (Domestic) would be a good match. This is a comprehensive policy designed to protect travellers by offering various benefits to cover almost any travel eventuality. The benefits and details of the plan are listed below:
Key benefits
- Personal Accident Coverage – up to RM100,000
- High Medical Coverage – up to RM10,000
- Optional Covid-19 Add-On
- 24-Hour Emergency Medical Assistance Benefits
- Travel Inconvenience Coverage – such as travel delay, baggage delay, etc.
| Benefits | Z-Travel Insurance (Domestic) Lite | Z-Travel Insurance (Domestic) | |
| Purchase Channel | Online ONLY | Zurich Authorized Agents | |
| Plans Limit | Limit (RM) | Basic Limit (RM) | VIP Limit (RM) |
| Accidental Death & Permanent Disablement | 20,000 | 50,000 | 100,000 |
| Medical Expenses | 5,000 | 5,000 | 10,000 |
| Accidental Hospital Income | x | 100 per day, max. 60 days | |
| Evacuation & Repatriation | x | Within Malaysia- UnlimitedOut of Malaysia- 50,000 | |
| Travel Cancellation | 2,000 | 2,000 | |
| Travel Delay (By Flight Only) (up to) | 450 (min. 6 hours) | 450 (min. 6 hours) | |
| Baggage Delay (By Flight Only) (up to) | 200 (min. 6 hours) | 200 (min. 6 hours) | |
| Baggage & Personal Effects (up to) | x | 500 | |
| Personal Liability | x | 500,000 | |
| Golf Equipment (Theft or Damage Only) | x | 1,000 |
Who is eligible for this?
| Item | Age Limit |
| Insured Person or Insured Person’s Spouse covered under Individual Cover, Individual and Spouse Cover or Family Cover | Between thirty (30) days old to eighty (80) years old |
| Child covered under Family Cover | Between thirty (30) days old to seventeen (17) years old, or twenty-three (23) years old if studying as a full-time student |
| Insured Person is a minor | Age seventeen (17) years old or below, the policy must be purchased by his or her parent/ legal guardian |
International
First-time travellers and seasoned global wanderers can both benefit from Zurich’s international travel policies that offer comprehensive protection when travelling abroad. With 24-hour coverage and various benefits to cover almost any travel concerns, Z-Travel international plans are highly recommended. The key benefits and coverage options for overseas trips are listed below:
Key benefits
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
- Travel Cancellation/Curtailment – up to RM30,000
- Personal Liability up to RM1 million
- Emergency Cash up to RM5,000 and more
| Benefit | Z-Travel Insurance (International) Lite | Z-Travel Insurance (International) | |||
| Purchase Channel | Online ONLY | Zurich Authorized Agents | |||
| Plans Limit | Basic (RM) | VIP (RM) | Sliver (RM) | Gold (RM) | Diamond (RM) |
| Accidental Death & Permanent Disablement | 100,000 | 300,000 | 300,000 | 300,000 | 500,000 |
| Medical Expenses | 100,000 | 300,000 | 300,000 | 500,000 | Unlimited |
| Emergency Medical Evacuation & Repatriation | 1 mil | 1 mil | Unlimited | Unlimited | Unlimited |
| Travel Cancellation/ Curtailment | x | 20,000 | 20,000 | 25,000 | 30,000 |
| Travel Delay (up to) | 3,600 (min. 6 hours) | 7,200 (min. 6 hours) | 3,600 (min. 6 hours) | 3,600 (min. 6 hours) | 7,200 (min. 6 hours) |
| Baggage Delay (up to) | 800 (min. 6 hours) | 1,600 (min. 6 hours) | 800 (min. 6 hours) | 800 (min. 6 hours) | 2,000 (min. 6 hours) |
| Personal Liability | x | x | 1 mil | 1 mil | 1 mil |
| Home Care Benefit | x | 3,000 | 2,000 | 3,000 | 5,000 |
| Special Coverage (Amateur Sports Including Scuba Diving, Winter Sports, Bungee Jumping & More) | 100,000 | 300,000 | 300,000 | 300,000 | 500,000 |
| Emergency Cash | x | x | 5,000 | 5,000 | 5,000 |
Who is eligible for this plan?
| Item | Age Limit |
| Insured Person covered under Individual Cover, Individual and Spouse Cover or Family Cover | Between thirty (30) days old to seventy (70) years old |
| Insured Person covered under Senior Cover | Between seventy-one (71) to eighty-five (85) years old |
| Child covered under Family Cover | Between thirty (30) days old to seventeen (17) years old, or twenty-three (23) years old if studying as a full-time student |
| Insured Person covered under Annual Trip | Between thirty (30) days old to seventy (70) years old, renewed up to eighty-five (85) years old |
| Insured Person is a minor | Age seventeen (17) years old or below, the policy must be purchased by his or her parent/ legal guardian |
Why choose Z-Travel by Zurich?
There are several reasons to choose the Z-Travel policy by Zurich. Some of the most compelling reasons are as follows:
- It has five different levels of cover types to choose from such as Basic, VIP, Silver, Gold and Diamond plans
- If offers miscellaneous benefits such as home care, pet care, wakaf and more
- There is a COVID-19 add-on option and coverage up to RM500,000
- Travellers can get their ideal policy that suites their budget as well as their travel needs
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:
