MSIG TravelRight Domestic (Inbound) Policy is designed to provide protection for the needs of an individual or a family whilst holidaying at local destinations in Malaysia.

All Malaysians, Permanent Residents, work permit or employment pass holders, student pass holders or individuals otherwise legally employed in Malaysia and their dependents legally residing in Malaysia are eligible to apply.

All applicants must be between 18 and 80 years old. For a child, the age limit is between 31 days and 17 years old.

This policy covers the following benefits:

Premium excluding service tax and stamp duty.

The premium you have to pay depends on the plan type and the number of days you wish to insure. E.g. if you wish to buy a cover for yourself and your spouse on a 5-day trip, the amount of premium you need to pay is as shown below.
 Duration : 1-5 days
 Plan : Family Plan with COVID-19/Dengue Hospitalisation Allowance
 Basic Premium (RM) : 63.00
 Plus 8% Service Tax : 5.04 
 Plus Stamp Duty : 10.00 
 Total Payable : 78.04

• Individual Plan covers you as an individual.
• Family Plan covers you, your legal spouse and your accompanying child(ren), aged between 31 days and 17 years of age.

You are obligated to pay any applicable taxes (which include but not limited to service tax and stamp duty) imposed by the Malaysian tax authorities in relation to your Policy.

• Importance of Disclosure - You must take reasonable care not to misrepresent when answering questions in the proposal form or in any request made by MSIG Insurance (Malaysia) Bhd (“Company”) and check the information you have provided is complete and accurate. You should also disclose all relevant information which may influence the Company in the acceptance of this insurance, decide the terms and the premium you will pay. If you do not take reasonable care and the information provided by you is incomplete or inaccurate, this may affect your claim. Your responsibility to provide complete and accurate information when requested by the Company shall continue until the time of you entering into, making changes to or renewing your insurance.
• Each trip must begin and end in Malaysia.
• Any extension of cover is not allowed during the trip or after you have departed for your destination.
• All applicants must be between 18 and 80 years of age. The age limit of a child is between 31 days and 17 years of age.
• Journeys within Malaysia are intended for leisure and exclude daily or regular commuting.
• Cash Before Cover - The insurance shall not be effective unless the premium payable has been paid.
• The descriptions of cover are a brief summary for quick and easy reference. The precise terms and conditions that apply are in the Policy Document.

You may cancel your policy at any time by giving written notice to us. A refund will only be allowed if you have not embarked on your journey and no claims have been reported.

You must advise us in writing as soon as you are aware of any change in contact or personal details or any other change which may increase the risk profile of this Policy.

No, the policy excludes pre-existing conditions, i.e., any illnesses* or injury for which the Insured had contracted, was diagnosed or treated during the 12 months prior to the journey and whether or not treatment, medication or advice was sought or received prior to the commencement of the journey.

* The overall medical expenses are limited to charges which are incurred as a result of an accidental bodily injury including follow-up treatment; illnesses refer to Covid-19/ Dengue only (where applicable).

Yes, you have a maximum of 30 days to undergo follow-up treatment subject to your plan’s benefit limits.

Yes, you are covered for flight delay if it is delayed for more than 6 hours. Flight delay cover shall not be granted if you travel in a chartered flight.

If the theft occurred on an aircraft, vessel or train, please notify the officer of the respective parties immediately. We require a written report from the relevant authorities when you make a claim for theft.

Yes, we cover you against claims for death or bodily injury during a terrorist attack provided that it did not involve the use of biological or chemical agents or nuclear devices.

No, you must test positive for COVID-19 and be hospitalised in order to make a claim.

Yes, we will cover you if the mode of transport operates under a license for the transportation of passengers.

You can submit your claim notification:

1. online; or
2. by providing us with written notice together with the completed claim form and all relevant documents either by mail, email or walk in to our office within 14 days upon happening of an incident which may give rise to a claim.

You may download a copy of the claim form here or contact any MSIG Branch to obtain the claim form.

If you have any clarification or need assistance, please contact MSIG Customer Service Hotline or any MSIG Branch.