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.
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
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.
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.
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 |
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.
Where can I get more information?
- Z-Travel Insurance (International) Brochure (ENG, BM & CHI) (907.64 KB/PDF)
- Z-Travel Insurance (International) Product Disclosure Sheet (358.31 KB/PDF)
- Z-Travel Insurance (International) Policy Wordings (ENG & BM) (740.8 KB/PDF)
- Z-Travel Insurance (International) Master Policy Wordings (ENG & BM) (763.1 KB/PDF)
- Z-Travel Insurance (International) Group Policy Wordings (ENG & BM) (747.01 KB/PDF)
Contact us.
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