Here’s Why You Should Get Your Travel Insurance From Bjak

Planning your next holiday? Whether you are travelling overseas or taking a local trip, unexpected disruptions can happen—from flight delays and lost baggage to emergency medical needs.
BJAK makes it easier to compare travel insurance options in one place. Instead of checking each insurer separately, you can evaluate available plans and coverage to find what best suits your itinerary and budget.

1. Compare Plans in One Place

BJAK connects customers with 16 licensed insurance and takaful providers overall. For travel insurance specifically, BJAK currently lists:

• Zurich
• Allianz
• Liberty

Comparing these top providers through a single platform saves time and gives you a clear, side-by-side view of your options.
Compare Travel Insurance

2. Get Protection for Common Travel Problems

Travel insurance provides financial protection against unforeseen situations during your trip. Depending on the policy selected, coverage typically includes:

• Medical Expenses: Up to RM300,000 in coverage.
• Baggage Protection: Up to RM5,000 for lost, stolen, or damaged luggage.
• Trip Cancellation: Up to RM20,000 for eligible non-refundable expenses.
• Flight Delays & Disruptions: Cash allowances after specified delay periods.
• Accidental Death & Disablement
• Loss of Personal Money & Travel Documents
• 24-Hour Emergency Assistance

(Note: Always review the policy wording, coverage limits, and exclusions before purchasing.)

3. Choose Coverage Tailored to Your Trip

Not every journey requires the same type of coverage. BJAK offers options for various travel scenarios:

• Round-Trip Travel: Ideal for standard holidays with fixed departure and return dates.
• One-Way Travel: Suited for relocating or indefinite stays.
• Annual Travel Plans: Cost-effective for frequent flyers taking multiple trips per year.
• Domestic & Overseas Coverage: Tailored plans for local Cuti-Cuti Malaysia trips or international travel.

4. Compare Coverage Details, Not Just Price

While premiums differ across plans, price shouldn’t be the sole deciding factor. When reviewing policies, pay close attention to:

• Medical Limits: The maximum claimable amount for eligible outpatient and hospital treatment.
• Baggage Conditions: Claim caps for lost or damaged belongings, including per-item limits.
• Flight Delay Criteria: The minimum delay duration required before compensation kicks in.
• Cancellation Scope: The specific list of covered cancellation reasons.
• Policy Exclusions: Specific activities (e.g., extreme sports) or pre-existing conditions that are not covered.
• Assistance Hotlines: How to contact 24/7 emergency support while abroad.

5. Buy Easily Online

Purchasing travel insurance online saves time and eliminates unnecessary paperwork.

1. Compare plans and enter your trip details accurately.
2. Complete your purchase securely online.
3. Download and save digital copies of your policy documents and emergency hotline numbers to your phone before departing.

Is Travel Insurance Worth It?

While travel insurance cannot prevent disruptions, it provides an essential financial safety net. It is especially valuable for:

• Overseas Trips: Where emergency medical care and repatriation can be prohibitively expensive out-of-pocket.
• Domestic Trips: To protect against non-refundable flight costs, baggage loss, and local emergencies.

Evaluating your destination, trip value, planned activities, and personal budget will help you select the ideal level of protection.
Get a Travel Insurance Quote