How to Get The Best Travel Insurance For Your Needs | Matta Fair
The Matta Fair, 3-day event, which has earned the title of Malaysia’s No.1 Travel Fair from the Malaysia Book of Records, has start on 3rd to 5th September 2010 at Putra World Trade Centre (PWTC), Kuala Lumpur from 10.00 am to 9.00 pm.
Everyone seem to be very busy looking for bargain holiday in this travel fair.
When you plan for your dream holidays, please remember to include Travel Insurance in your budget and planning.
Travel coverage is a must for every travelers because it will cover any unfortunate due to illness, accident, any trip cancellations, interruptions, baggage damage or loss, medical evacuation and much more.
It is important to have a Stress Free Holiday.
Even though holiday are supposed to be stress free and relaxing, sometimes things can go terrible wrong and turn out to be Stressful Events.
Nobody like Unexpected and Surprised Things like loss of baggage or accident!
How to Get The Best Travel Insurance For Your Needs?
Please make sure it cover:
- Medical & Accidental Dental Expenses
- Medical Treatment In Malaysia
- Covers Alternative Medicine like Traditional Chinese Medicine, Osteopath, Physiotherapy and Chiropractor
- Daily Hospital Income
- Double Hospital Income Benefit in ICU
- Evacuation & Repatriation Benefits
- Emergency Medical Evacuation & Repatriation of Mortal Remains
- Compassionate Visit (Due to Hospitalisation of Insured)
- Compassionate Visit (Due to Insured’s Death)
- Personal Accident Benefits
- Accidental Death & Permanent Disablement
- Travel Cancellation
- Travel Curtailment
- Travel Postponement
- Travel Delay
- Travel Reroute
- Travel Overbooked
- Travel Misconnection
- Baggage Delay
- Baggage Damage During Air Common Carrier Travel
- Damage or Loss of Personal Effects (including Laptop)
- Loss of Travel Documents
- Loss of Passport
- Loss of Air Ticket
- Loss of Money
- Personal Liability
- Credit Card Indemnity
- Home Inconvenience Allowance
- Hours Worldwide Travel Assistance
You can claim medical bill for illness like food poisoning and chicken pox.
I have friends that have claimed for both illness while travel at oversea.
You just need the doctor to sign the Receipt, Stamp Clinic Stamp and write a simple diagnosis ie everything on one page.
The cost of travel insurance depend on which country you go and for how long your oversea duration stay.
Do Always keep your travel insurance help desk contact number and policy number, in your hand phone in case of emergency.
It is advisable to buy your travel insurance as soon as you have purchased your tickets or book your travel package, in order to enjoy maximum benefit and protection. This is because it also cover Overbooking, Death/Illnesses of Immediate family member that renders one unable to travel etc.
Also remember to retain all boarding passes, E Tickets, any Loss Baggage receipt, Medical Bills etc for claiming purposes.
Talk to your insurance agent more more information on travel policy.
When you have chosen a travel policy to meet your needs, you can have peace of mind by covering whatever unfortunate situation that comes up.
Enjoy your holiday! 🙂
Is it necessary to buy travel insurance before flying?
By LEONG HUNG YEE
PETALING JAYA: It is hard not to notice that travel insurance is being offered whenever one books one’s tickets with an airline company. These days, air tickets come with an offer for travel insurance.
However, some travellers often ask if it is necessary to buy travel insurance when purchasing the air tickets. Well, if any airline can guarantee, among others, that your plane will be on time, your luggage will arrive safely on the same flight or you will not meet with an accident, then it is not necessary to purchase travel insurance.
For many though, travel insurance has eased the pain of cancelled flights, delayed travel and interrupted trips as witnessed recently with the Icelandic volcano eruption that caused havoc on international flights around the world and threw hundreds of thousands of travellers into a state of stranded chaos.
On the local front, both Malaysia Airlines (MAS) and AirAsia Bhd currently offer travel insurance purchase for customers buying air tickets via their web portals
In 2008, MAS was the first full-service carrier in Asia to offer its travel insurance online. The MHinsure policy provides travellers comprehensive insurance coverage for unexpected losses during their journey with access to Mondial Assistance’s 24-hour worldwide assistance.
According to MAS general manager business development Visva Sabaratnam, the scheme has been well received with 25% of the carrier’s passengers purchasing it.
He said the comprehensive policy included overseas medical expenses, travel delays, trip cancellation, loss of baggage and personal effects, and home protection in case of damage to the home during the travel period.
“We promote MHinsure on our website, call centre and ticketing offices, From the response thus far, there is certainly good awareness of this service.
“We also see an estimated 30% of international policy holders who have purchased MHinsure more than once in 2009, indicating satisfaction with the product offerings and services provided, including claims experience,” he told StarBiz.
Apart from MAS passengers, those departing from Malaysia, Singapore and Australia on any other airline can purchase MHinsure from these countries on the MAS website.
MHinsure is currently available in Malaysia, Australia, Germany, France, Italy, the Netherlands, Singapore and Sweden, and was recently introduced in the UK, United Arab Emirates and New Zealand.
With this, a total of 11 countries in the MAS network now offer online travel insurance. According to the MAS website, travellers need only to complete the online travel insurance application to be eligible for cover. There is no need for medical examination. MHinsure also offers travellers the same premium regardless of age. The premiums are based on travel duration and destination.
Commenting on its competitiveness, Sabaratnam said MHinsure was developed with the primary objective of ensuring high quality cover at affordable prices.
MHinsure Basic Plan starts from RM15 for domestic travel for a 30-day cover and RM23 for international cover for a five-day trip.
Sabaratnam said whichever international cover customers chose, MHinsure offered customers unlimited financial coverage in the case of an overseas emergency evacuation or repatriation. “This sets us apart from the rest.”
Meanwhile, AirAsia head of financial services and loyalty Johan Aris Ibrahim said AirAsia started selling travel insurance online in 2005 and the recent rebranding of its insurance product as AirAsia Insure from Go Insure had boosted public awareness on the offering.
“The rebranding exercise was prompted by AirAsia’s plans to expand the insurance services regionally and to reinforce its position as the only Asean low-cost carrier to offer travelling insurance coverage,” he told StarBiz.
He said the response had been “positive regionally” and guests were starting to be insurance-conscious when travelling, whether for business or leisure.
“We have gone from strength to strength in offering AirAsia Insure and the number of policies sold has been growing at 30% annually,” Johan said.
AirAsia’s plan starts from RM7.50 for the AirAsia Insure one-way cover for domestic travel to RM49 for AirAsia Insure return cover for international travel (11-30 days).
“Besides Malaysia, AirAsia Insure is available for travel from Singapore, Thailand, Indonesia, Macau, Hong Kong, China and Australia,” Johan said.
“By the end of 2010, AirAsia Insure will be available for most of our destinations and at our affiliated companies for purchase at AirAsia Megastore.com, AirAsiaredtix.com and AirAsiaGo.com.
“There is an option to purchase insurance online as a notification or prompter will alert customers on AirAsia Insure when they buy their tickets online. We have invested in strategic and targeted advertising and promotion activities,” he said.
Airlines aside, travel insurance is also offered by travel agencies, banks and insurers. In addition, credit card issuers often issue complimentary travel insurance policies to cardholders that charge ticket purchases to their cards.
fr:biz.thestar.com.my/news/story.asp?file=/2010/9/15/business/7011153&sec=business