Z-Travel Takaful (International)
Shariah Compliant International Travel Takaful - Z-Travel
Protecting you every step of the way
Whether you’re a first-time traveller or a seasoned global wanderer, we’ve designed this comprehensive certificate 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.
Gentle Reminder:
Please note that travelling to war zones is excluded from our coverage.
Kindly stay aware of travel alerts from local authorities and refrain from visiting conflict-ridden areas for your safety.
GREAT NEWS!
With Z-Travel Takaful (International) and Z- Travel Takaful (International) Lite, Covid-19 Optional Add-On is available and you’d be sure to enjoy a worry-free holiday!
For any Travel Assistance, please contact our Service Provider:
Europ Assistance Services (Malaysia) Sdn Bhd
(formerly known as Asia Assistance Services (M) Sdn Bhd)
24 Hour Service Hotline
24-Hour Emergency Medical Assistance Benefits
Protection for Amateur Sports Including Scuba Diving, Winter Sports, Bungee Jumping & More
High Medical Coverage
Home Care Benefits
Car Rental Excess
Personal Accident Coverage
24/7 Worldwide
Zurich Travel Assistance
Travel Inconvenience Coverage
Optional Covid-19 Add-On
You can choose from a few plans of coverage to suit your travel plans and your pocket.
| BENEFIT | Z-Travel Takaful (Domestic) | Z-Travel Takaful (International) | |||||
|
Purchase Channel |
Online Only |
Zurich Authorized Agents |
|||||
| Plans Limit |
Basic Limit (RM) |
VIP Limit (RM) |
Silver Limit (RM) |
Gold Limit (RM) |
Diamond Limit (RM) |
||
| Accidental Death & Permanent Disablement | 100,000 |
300,000
|
300,000 |
300,000 |
500,000 |
||
| Medical Expenses (up to) | 100,000 |
300,000 |
300,000 |
50,000 |
Unlimited |
||
|
Emergency Medical Evacuation & Repatriation
|
1,000,000 | 1,000,000 |
Unlimited |
Unlimited |
Unlimited |
||
|
Travel Cancellation / Curtailment (up to)
|
N/A | 20,000 |
20,000 |
25,000 |
30,000 |
||
|
Travel Delay - more than 6 consecutive hours (RM150 for every 6 consecutive hours)
|
up to 3,600 |
up to 7,200 |
up to 3,600 |
up to 3,600 |
up to 7,200 |
||
|
Baggage Delay - more than 6 consecutive hour (RM200 for every 6 consecutive hours)
|
up to 800 |
up to 1,600 |
up to 800 |
up to 800 |
up to 2,000 |
||
|
Personal Liability
|
N/A |
N/A |
1 mil |
1 mil |
1 mil |
||
|
Personal Credit Card Theft (Up to)
|
1,000 | 3,000 |
1,000 |
1,500 |
3,000 |
||
|
Home Care Benefit (up to)
|
N/A | 3,000 |
2,000 |
3,000 |
5,000 |
||
|
Home Care Benefit (up to)
|
100,000 | 300,000 |
300,000 |
300,000 |
500,000 |
||
*Please refer to the certificate wording for full benefits, terms and conditions under this product.
The countries covered under this plan are categorised into three areas:
Area 1
Australia, Bangladesh, Bhutan, 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, Vietnam.
Area 2
Worldwide excluding Canada, Mongolia (Inner & Outer), Nepal, Tibet and USA.
Area 3
Worldwide.
| Item | Age Limit | ||
|
Person covered under Individual Cover, Individual and Spouse Cover or Family Cover |
Between thirty (30) days old to seventy (70) years old |
||
| Person covered under Senior Cover | Between seventy-one (71) to eighty-five (85) years old | ||
| Child covered under Family Cover | Between thirty (30) days old to seventeen (17) years old, or twenty-three (23) years old if studying as a full-time student | ||
| Person covered under Annual Trip | Between thirty (30) days old to seventy (70) years old, renewed up to eighty-five (85) years old | ||
| Person covered is a minor | Age seventeen (17) years old or below, the policy must be purchased by his or her parent/ legal guardian | ||
Z-Travel Takaful (International) Lite
Locate Your Nearest Zurich Branch
Zurich Takaful operates under the principle of Wakalah, whereby the Takaful Operator acts as an agent to the Participant for managing the operations of the Takaful business. A Wakalah Fee will be charged up-front from the contributions made. Tabarru’ (donation) will be deducted to the Participant Risk Investment Account (PRIA), where it will be used for mutual aid and assistance, based on the concept of Takaful. The benefits are paid from the PRIA only upon a covered loss, and not upon maturity or surrender of the certificate. Surplus Sharing (if any) at the end of each financial year will be shared between the Participant, and Zurich Takaful at a 50:50 ratio. The investment profit earned on the Participant Investment Account (PIA) is derived from the return on underlying assets and Zurich Takaful charges a Wakalah Bi al-Istithmar Fee (Investment Agency Fee) for managing these assets. The investment risk in PIA is fully borne by the Participant. 100% of investment profit earned, net of tax, less the aforementioned Wakalah Bi al-Istithmar Fee, will remain in the PIA for the benefit of the Participant. There will be no further sharing of the investment profit arising in the PIA with Shareholders.
The benefit(s) payable under this product is (are) protected by PIDM up to limits. For more information, please refer to PIDM's Takaful and Insurance Benefits Protection System brochure on Zurich General Takaful Malaysia's website or PIDM's website.
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