MATTA Fair and Your Travel Insurance

Glad to see travel insurance is getting public attention in the recent MATTA fair.

For your information, travel insurance is basically a personal accident insurance plus some additional benefits. The benefits covered vary widely among the insurance companies. You can choose a basic travel insurance plan which covers 1 to 2 benefits to a comprehensive plan which covers 10 to 20 benefits.

Just want to point out a benefit which may available in your travel insurance and hospitalization & surgical (H&S) insurance. Overlapping of benefit is a waste of money.

1) Emergency Assistance Services
(The common services include Emergency Medical Evacuation and Repatriation Services, Repatriation of Mortal Remains, Compassionate Visit and Return of Minor Children)

Some insurers cover the ARRANGEMENT and EXPENSES incurred for these Emergency Assistance Services.
Some insurers cover the ARRANGEMENT only. Please pay attention to this.

Most of the H&S insurance offered by life insurance companies in Malaysia covers the ARRANGEMENT and EXPENSES incurred for these Emergency Assistance Services.

However, no many H&S insurance offered by general insurance companies cover the ARRANGEMENT and EXPENSES incurred for these Emergency Assistance Services.

The maximum limit for Emergency Medical Assistance Services is ranging from RM100,000 to RM1,000,000 depending on the insurers. Check your H&S insurance now.

Conclusion:
The benefits covered by travel insurance vary widely among the insurance companies. Avoid overlapping of benefits and choose the one which best suit your need.