Policy Coverage and Benefits
INSURANCE COVERAGE LIMIT
There are always risks involved, whether you travel for business or leisure. Now, you don’t have
to worry about anything.
Malayan has ensured that you get the maximum protection possible – from accidents to medical services to recovery of lost or delayed baggage. Our local and worldwide emergency network centers are always on hand to provide these services - and more. We even provide language interpretation so there will always be someone who can understand you in emergency cases.
Protect yourself from the misfortunes of accidents while traveling. Travel Master provides indemnity for Accidental Death, Dismemberment or Disablement as well as Accidental Burial Benefit.
Emergency Medical Treatment
In case of an accident or sickness occurring during travel, medical treatment can be very expensive. And, because the need is sudden and unplanned, travellers often do not have immediate access to or the resources to pay for such treatment right away. Travel Master provides coverage for the emergency medical treatment you might need. If further necessary attention is required to stabilise your condition, coverage extends to follow-up care, as well as to the daily incidental expenses involved in hospital confinements.
When traveling in unfamiliar areas, you always run the risk of accidentally hurting someone or damaging another person’s property. Travel Master shoulders these risks to keep you on the move.
Recovery of Travel Expenses
If the trip needs to be cut short, the Emergency Trip Termination feature shall reimburse the unused portion of travel and accommodation expenses that are paid in advance and non-refundable.
If the trip has been cancelled within 30 days prior to the scheduled departure, the Emergency Trip Cancellation feature shall reimburse the non-refundable portion of travel and accommodation expenses.
In any case, the termination or cancellation of the trip must result from death or life threatening sickness or injury of the Insured Person or a member of his immediate family requiring immediate medical attention.
Travel Inconvenience Benefits
Without the right insurance protection, traveling can upset you with a lot of hassles. Travel Master offers benefits for Loss of Travel Documents, Loss of Cash, Loss of Baggage, Baggage Delay and Flight Delay as a result of severe weather, mechanical trouble or strikes/aircraft skyjacking, and Damage to Laptops (while hand-carried), to keep you smiling despite such unforeseen events.
Travel Assistance Benefits
In partnership with Assist America, a world-class travel assistance provider, Travel Master provides you access to various emergency and medical travel assistance such as:
Medically supervised repatriation
If you require assistance returning home after hospitalization, Assist America will repatriate you with an escort, if medically necessary.
Whenever appropriate medical facilities are not available in your destination, Assist America will use whatever mode of transport, equipment and personnel necessary to evacuate you to the nearest facility capable of providing proper care.
Return of mortal remains
In case of death, Assist America will transport and offer reasonable assistance in legal formalities for the return of the remains to home.
Care for unattended minors
If a minor child is traveling with you, and is left unattended due to an accident or sickness, Assist America will provide one-way, economy transportation with attendant if required, to the place of residence.
If you are traveling alone and will be hospitalized for more than 7 days, Assist America will provide economy, round trip, common carrier transportation to the place of your confinement for a designated family member or friend to take care of you.
Hospital admission guarantee
On certain occasions, funds may need to be advanced before a hospital will agree to admit you. In such cases, Assist America will guarantee hospital admission should you require hospital confinement or treatment while on travel status.
Critical care monitoring
Assist America's team of medically trained personnel will stay in regular communication with your attending physician or hospital to relay your status to your family.
Should you require prescription medication, Assist America will help you in procuring such medicines.
Legal and interpreter referrals
Should you require legal advice or a language interpreter, Assist America will refer you to an interpreter or legal personnel, as necessary.
Emergency Message Transmission
Assist America will relay emergency messages to you or your family, as necessary.
To reduce financial burden in case of emergency, Assist America shall coordinate settlement of payment directly to the hospital for medical expenses incurred in relation to hospital confinement or treatment due to accident or sickness subject to policy conditions and exclusions.
With one simple phone call to the Assist America Access Numbers, you will be connected to a global network of medical providers, operation centers, including air and ground ambulance service providers.
Value Added Features
Gear up for the extra-mile advantage. On top of all these insurance and assistance benefits, Travel Master provides free insurance coverage for damage to rented car as well as medical treatment and assistance services for accidents resulting from Sports Activities.
For Travel Master's Terms & Conditions, click here.