Z-Travel Insurance (International)
Protecting you every step of the way
Whether you’re a first-time traveller or a seasoned global wanderer, we’ve designed this comprehensive policy to protect you when travelling overseas. With a 24-hour coverage and various benefits to cover almost any travel eventuality, you’ll be well protected from the moment you leave home until your return.
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What benefits do I get?
With Z-Travel Insurance (International), you'd be sure to enjoy a worry-free holiday!
24-Hour Emergency Medical Assistance Benefits
Rental Car Excess
Protection for Amateur Sports Including Scuba Diving, Winter Sports, Bungee Jumping & More
Covers Acts of Terrorism
Home Care Benefits
Automatic Extension of Period of Insurance
up to 30 Days
Personal Accident Coverage
High Medical Coverage
Liability Coverage
Travel Inconvenience Coverage
24/7 Worldwide
Zurich Travel Assistance -
How much are the premiums?
Premium Table:
AREA 1 - AUSTRALIA, BRUNEI, CAMBODIA, CHINA [EXCLUDING TIBET & MONGOLIA (INNER & OUTER)], HONG KONG, INDIA, INDONESIA, JAPAN, KOREA, LAOS, MACAU, MALDIVES, MYANMAR, NEW ZEALAND, PAKISTAN, PHILIPPINES, SINGAPORE, SRI LANKA, TAIWAN, THAILAND AND VIETNAM. TRAVEL DURATION SILVER PLAN GOLD PLAN DIAMOND PLAN INDIVIDUAL (RM) INDIVIDUAL & SPOUSE (RM) FAMILY (RM) SENIOR (RM) INDIVIDUAL (RM) INDIVIDUAL & SPOUSE (RM) FAMILY (RM) SENIOR (RM) INDIVIDUAL (RM) INDIVIDUAL & SPOUSE (RM) FAMILY (RM) SENIOR (RM) 1 - 5 days 45 85 113 81 52 97 128 93 80 151 200 143 6 - 10 days 56 104 138 101 65 121 161 114 99 187 247 177 11 - 15 days 95 175 232 171 111 207 278 193 169 320 419 302 16 - 20 days 124 228 302 224 146 271 365 251 222 419 547 396 Each additional week, up to 26 weeks 24 42 57 42 28 51 70 47 42 80 103 76 Annual Cover 300 N/A N/A 539 345 N/A N/A 622 489 N/A N/A 877
AREA 2 - WORLDWIDE EXCLUDING CANADA, MONGOLIA (INNER & OUTER), NEPAL, TIBET AND USA. TRAVEL DURATION SILVER PLAN GOLD PLAN DIAMOND PLAN INDIVIDUAL (RM) INDIVIDUAL & SPOUSE (RM) FAMILY (RM) SENIOR (RM) INDIVIDUAL (RM) INDIVIDUAL & SPOUSE (RM) FAMILY (RM) SENIOR (RM) INDIVIDUAL (RM) INDIVIDUAL & SPOUSE (RM) FAMILY (RM) SENIOR (RM) 1 - 5 days 63 118 156 113 73 136 180 130 112 211 278 201 6 - 10 days 77 146 192 141 89 168 223 163 140 263 344 250 11 - 15 days 132 248 326 242 152 286 379 279 240 449 587 429 16 - 20 days 173 323 425 317 198 374 496 366 316 589 768 564 Each additional week, up to 26 weeks 34 61 80 61 38 70 93 70 61 112 145 108 Annual Cover 406 N/A N/A 728 483 N/A N/A 866 683 N/A N/A 1,227
AREA 3 - WORLDWIDE. TRAVEL DURATION SILVER PLAN GOLD PLAN DIAMOND PLAN INDIVIDUAL (RM) INDIVIDUAL & SPOUSE (RM) FAMILY (RM) SENIOR (RM) INDIVIDUAL (RM) INDIVIDUAL & SPOUSE (RM) FAMILY (RM) SENIOR (RM) INDIVIDUAL (RM) INDIVIDUAL & SPOUSE (RM) FAMILY (RM) SENIOR (RM) 1 - 5 days 82 155 205 147 93 175 232 167 144 272 360 260 6 - 10 days 101 191 255 182 117 219 288 208 178 339 445 321 11 - 15 days 172 324 434 307 203 375 491 356 303 581 758 548 16 - 20 days 225 423 568 400 267 491 643 466 397 761 991 717 Each additional week, up to 26 weeks 42 80 108 76 51 93 122 89 76 145 187 135 Annual Cover 483 N/A N/A 866 622 N/A N/A 1,221 883 N/A N/A 1,588 -
Which countries does this plan cover?
The countries covered under this plan are categorised into three areas:
Area 1
Australia, Brunei, Cambodia, China [excluding Tibet & Mongolia (Inner & Outer)], Hong Kong, India, Indonesia, Japan, Korea, Laos, Macau, Maldives, Myanmar, New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand and Vietnam.
Area 2
Worldwide excluding Canada, Mongolia (Inner & Outer), Nepal, Tibet and USA.
Area 3
Worldwide.
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Is there a range of plans that I can choose from?
Schedule of Benefits
SILVER PLAN GOLD PLAN DIAMOND PLAN BENEFIT BENEFIT DESCRIPTION MAXIMUM SUM INSURED (RM) Section A - Unlimited Cover & Medical Related Covers 1 Medical Expenses 1A Overseas Medical Expenses 300,000 500,000 Unlimited 1B Overseas Dental Expenses Included in 1A Included in 1A Included in 1A 1C Follow Up Treatment in Malaysia 50,000 50,000 50,000 1D Alternative Medicine 500 500 1,000 1E Outpatient Treatment in Malaysia Included in 1C Included in 1C Included in 1C 2 Overseas Hospital Income (RM250 per day) 15,000 15,000 30,000 3 Child Care Benefit 7,000 10,000 15,000 4 Compassionate Visit 7,000 10,000 15,000 5 Emergency Medical Evacuation Unlimited Unlimited Unlimited 6 Medical Repatriation Unlimited Unlimited Unlimited 7 Repatriation of Mortal Remains Unlimited Unlimited Unlimited Section B - Travel Inconvenience Covers 8 Travel Cancellation 8A Travel Cancellation 20,000 25,000 30,000 8B Travel Alteration 20,000 25,000 30,000 9 Travel Curtailment 20,000 25,000 30,000 10 Travel Interruption 1,000 1,500 3,000 11 Travel Delay - more than 6 consecutive hours
(RM150 for every 6 consecutive hours)
Overseas 3,600,
within Malaysia 450
Overseas 3,600,
within Malaysia 450
Overseas 7,200,
within Malaysia 900
12 Travel Misconnection - more than 6 consecutive hours
(RM200 for every 6 consecutive hours)
400 600 1,200 13 Travel Reroute - more than 6 consecutive hours
(RM200 for every 6 consecutive hours)
400 600 1,200 14 Baggage Delay - more than 6 consecutive hours
(RM200 for every 6 consecutive hours)
Overseas 800,
within Malaysia 200
Overseas 800,
within Malaysia 200
Overseas 2,000,
within Malaysia 800
15 Baggage & Personal Effects
Sub-limit for Benefit 15:
5,000 7,000 10,000 (i) Any one (1) items or Pair or Set of Items 500 500 500 (ii) Portable Personal Computers 1,000 1,500 2,000 (iii) Baggage 250 250 250 16 Personal Money 1,000 2,000 3,000 17 Travel Documents 5,000 6,000 8,000 18 Personal Credit Card Theft 1,000 1,500 3,000 Section C - Personal Accident & Liability Covers 19 Accidental Death and Permanent Disablement (i) 30 days to 17 years old 75,000 75,000 125,000 (i) 18 years old to 85 years old 300,000 300,000 500,000 20 Personal Liability 1,000,000 1,000,000 1,000,000 Section D - Urban Traveler's Covers 21 Home Care Benefits 2,000 3,000 5,000 22 Pet Care Benefits 1,000 1,000 1,000 23 Rental Car Excess 23A Car Excess 2,000 3,000 5,000 23B Car Return Included in 23A Included in 23A Included in 23A 24 Emergency Telephone and Internet Usage 100 200 500 25 Special Coverage (i) 30 days to 17 years old 75,000 75,000 125,000 (ii) 18 years old to 85 years old 300,000 300,000 500,000 Section E - Additional Benefits 26 Badal Haji (only applicable to Muslim) 3,000 3,000 3,000 27 Wakaf (only applicable to Muslim) 1,000 1,000 1,000 28 Qurban (only applicable to Muslim) 1,000 1,000 1,000 29 Emergency Cash (only applicable to non-Muslim) 5,000 5,000 5,000 Section F - Travel Assistance Benefits 30 Travel Assist Included Included Included Note: Please refer to the policy wording for full description of benefits, terms, conditions and exclusions under this product.
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Where can I get more information?
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Who is eligible for this plan?
- If you are the Insured Person or Insured Person’s Spouse covered under Individual Cover, Individual and Spouse Cover or Family Cover, you must be between thirty (30) days old to seventy (70) years old.
- If you are the Insured Person covered under Senior Cover, you must be between seventy-one (71) to eighty-five (85) years old.
- If you are the Child covered under Family Cover, you must be between thirty (30) days old to seventeen (17) years old, or twenty-three (23) years old if studying as a full-time student at the commencement of the journey.
- If you are the Insured Person covered under Annual Trip, you must be between thirty (30) days old to seventy (70) years old. For Annual Trip, your policy can be renewed up to eighty-five (85) years old.
- If the Insured Person is a minor with age seventeen (17) years old or below, the policy must be purchased by his or her parent or legal guardian
Note: All ages refer to the age of your next birthday. -
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