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TravelRight Domestic (Inbound)
Travel

TravelRight Domestic (Inbound)

Coverage for individuals and families while traveling within Malaysia.​

Important notice

You are advised to note the scale of benefits for death and disablement in your insurance policy. Where applicable, you must nominate a nominee and ensure that your nominee is aware of the travel insurance policy that you have purchased. You should read and understand the insurance policy and discuss with your insurance adviser or contact the insurance company directly for more information.
Key benefits Coverage Plans Downloads Nomination
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Notes

MSIG Insurance (Malaysia) Bhd is a member of PIDM. The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM's TIPS Brochure or contact MSIG Insurance (Malaysia) Bhd or PIDM (visit www.pidm.gov.my).

Key benefits

Personal Accident and Medical Cover

Provides personal accident coverage and reimbursement of medical expenses incurred as a result of accidental bodily injury suffered when traveling around Malaysia.

Luggage Delay, Damage or Loss

Reimbursement for total loss/damage to your luggage and personal effects.

Travel Delay

Compensation for delay of your scheduled carrier for every six hours.

Coverage

Read the product disclosure sheet and general terms and conditions before taking out this insurance. View downloads

Plans

INDIVIDUAL

Plan 1

Starting from RM15.00/trip
Benefits
Max RM

Section 1 - Personal accident

150,000

Section 2 - Medical expenses

15,000

Section 3 - Personal Luggage & personal effects

100

Section 4 - Travel delay

500

Terrorism & hijacking

Covered

Chartered Flights (Scheduled)

Covered

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FAMILY

Plan 2

Starting from RM45.00/trip
Benefits
Max RM

Section 1 - Personal accident

150,000

Section 2 - Medical expenses

15,000

Section 3 - Personal luggage & personal effects

100

Section 4 - Travel delay

500

Terrorism & hijacking

Covered

Chartered Flights (Scheduled)

Covered

View more View less
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Downloads

MSIG TravelRight Domestic (Inbound) Insurance Policy Wording

Download MSIG TravelRight Domestic (Inbound) Insurance Policy Wording

MSIG TravelRight Domestic (Inbound) Insurance Leaflet with PDS

Download MSIG TravelRight Domestic (Inbound) Insurance Leaflet with PDS

TravelRight Domestic (Inbound) Insurance Proposal Form

Download TravelRight Domestic (Inbound) Insurance Proposal Form
Download all

Nomination

View Downloads

Why do I have to nominate?

Nomination is important to ensure that your loved ones will receive the protection as intended by you and that policy moneys may be paid out by insurers without any delay.  Where no nomination is made, the policy moneys will be paid out to your lawful executor (if you have made a Will) or your lawful administrator (if no Will has been made) – this process will take a while.

*If there is no lawful executor or administrator, then the policy moneys will be paid out to the rightful persons in accordance with applicable distribution laws.
Who can I nominate?

You can nominate any individual(s) you want.  HOWEVER, not all nominees will receive the policy moneys beneficially or for their own use.  Depending on your marital status and who you nominate, nominations may produce unexpected results for the nominee(s).  Likewise, nominations by a Muslim policy owner and non-Muslim policy owner will have different consequences.

How so?

Nominations made by a non-Muslim policy owner will create either (i) a trust policy in favour of the nominee(s) or (ii) a non-trust policy.

To ensure that your nominee(s) receive the policy moneys as intended, you need to ensure that a trust policy is created in favour of your nominee(s).
How do you create a trust policy?

Trust policy will be created:

(a)   if the nominee is your spouse or child; or

(b)  if the nominee is your parent (provided that there is no living spouse or child at the time you make the nomination).
What if I nominate someone else as my nominee(s)?

In such as case, you are creating a non-trust policy.  Here, your nominee will only receive the policy moneys as executor and distribute the policy moneys in accordance with your Will or where there is no Will, in accordance with applicable distribution laws.  If you intend for these nominee(s) to receive the policy moneys beneficially and not as executor, you will need to assign the policy benefits to them.

In brief, if you nominate people other than your spouse, children or parents, make sure to assign the policy benefits to them to ensure that they receive the policy moneys for their own use.  Please contact MSIG if you require more information on this.
What about Muslim policy owner?

Nominee(s) irrespective of the relationship with the policy owner can only receive the policy moneys as executor and the policy moneys must be distributed in accordance with Islamic laws.

View full Nomination FAQ

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