Travel 1250x626

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

+603 7841 5630

24 hours emergency

24-Hour Emergency Medical Assistance Benefits

Protection for Amateur Sports

Protection for Amateur Sports Including Scuba Diving, Winter Sports, Bungee Jumping & More

high medical coverage

High Medical Coverage

home care benefits

Home Care Benefits

rental car

Car Rental Excess

personal accident

Personal Accident Coverage

24 worldwide

24/7 Worldwide
Zurich Travel Assistance

Travel Inconvenience

Travel Inconvenience Coverage

COVID

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

Meet a Zurich Takaful Agent

Send an enquiry for a Zurich Takaful Agent meeting

Locate Your Nearest Zurich Branch

Locate Your Nearest Zurich Branch

Contact our Zurich Call Centre

Contact Our Zurich Takaful Customer Care

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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