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.
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
- Section 1 - Personal accident
- Section 2 - Medical Expenses
- Section 3 - Personal Luggage & Personal Effects
- Section 4 - Travel Delay
- Terrorism & hijacking
- Chartered flights (Scheduled)
Note: 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).
- War and related risks
- Government Regulations or Acts or Authorities of any country
- Hazardous adventure
- Suicide, self-inflicted injury or illness
- The effect or influence (temporary or otherwise) of alcohol or drugs
- Receiving in-patient treatment or is on a waiting list for in-patient treatment
- Received a terminal prognosis from a medical practitioner
- Travelling against the advice of a medical practitioner, or in order to obtain medical advice or treatment abroad
- AIDS, AIDS-related complex and sexually transmitted diseases
- Pre-existing condition
- Pregnancy, childbirth, abortion or miscarriage
- Illness or disorders of psychological nature, any anxiety state and/or nervous depressions and mental illness
- Manual work in connection with any trade, employment or profession
- Travelling in a non-fully licensed passenger-carrying aircraft
Note: This list is non-exhaustive. Please refer to the Policy Document for the full list of exclusions under this policy.
Plans
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
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
Frequently asked questions
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:
| Benefits | Domestic (Inbound) (RM) |
| SECTION I: PERSONAL ACCIDENT | |
| Death - Adult | 150,000 |
| Death - Child | 15,000 |
| Permanent Total Disablement - Adult / Child | 150,000 |
| SECTION II: MEDICAL EXPENSES | |
| Overall Limit for Medical Expenses (arising from injury due to accident) | 15,000 |
| Follow-up Treatment | Inclusive under Medical Expenses (max 30 days) |
| Hospital Income per day | 50 (max 1,000) |
| SECTION III: PERSONAL LUGGAGE & PERSONAL EFFECTS | 100 |
| SECTION IV: TRAVEL DELAY | 50 / every six hours of delay (max 500) |
| TERRORISM AND HIJACKING | Covered |
| CHARTERED FLIGHTS (SCHEDULED) | Covered |
- Note:
The duration of insurance coverage is per trip basis. Each trip is limited to a maximum of 31 days. - Please refer to the policy document for detailed information about TravelRight Domestic (Inbound) Insurance Schedule of Benefits.
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).
| Period Of Insurance | Individual Plan (RM) | Family Plan (RM) |
| 1 - 5 days | 15 | 45 |
| 6 - 10 days | 25 | 75 |
| 11 - 18 days | 35 | 105 |
| 19 - 31 days | 46 | 138 |
Premium excluding service tax and stamp duty.
- Domestic cover - travelling in Malaysia.
- Maximum period per journey is 31 days.
- Applicants must be between 18 and 80 years of age.
- Family includes you, your legal spouse and child(ren) between 31 days and 17 years of age.
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 on a 6-day trip, the amount of premium you need to pay is as shown below.Duration : 6-10 days
Plan : Individual Plan
Basic Premium (RM) : 25.00
Plus 8% Service Tax : 2.00
Plus ^Stamp Duty : 10.00
Total Payable : RM37.00
^ Stamp duty payment for annual premium not exceeding RM150 is exempted until 31/12/2028. However, RM10 stamp duty shall be payable starting from 1/1/2029.
- 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.
| Type | Amount |
| Service Tax | 8% of premium |
| Stamp Duty | RM10.00 |
| Commission paid to insurance intermediary if any | 25% of premium |
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.
Downloads
TravelRight Domestic (Inbound) Insurance Policy Wording (EN)
TravelRight Domestic (Inbound) Insurance Leaflet with Product Disclosure Sheet (EN, BM)
TravelRight Domestic (Inbound) Insurance Proposal Form (EN, BM)
TravelRight Domestic (Inbound) Insurance Product Disclosure Sheet (EN)
TravelRight Domestic (Inbound) Insurance Product Disclosure Sheet (BM)
Nomination
Nomination ensures that your loved ones receive the protection you intended and allows insurers to pay out policy moneys without delay.
If no nomination is made, the policy moneys will be paid to:
- your lawful executor (if you have a Will), or
- your lawful administrator (if no Will has been made).
This process may take time.
If there is no lawful executor or administrator, policy moneys will be paid to the rightful recipients in accordance with applicable distribution laws.
You may nominate any individual(s). However, not all nominations allow the nominee(s) to receive the policy moneys for their own use.
The outcome of a nomination depends on:
- your marital status;
- who you nominate; and
- whether you are a Muslim or non-Muslim policy owner.
For non-Muslim policy owners, nominations may result in either:
- a trust policy, or
- a non-trust policy.
To ensure your nominee(s) receive the policy moneys beneficially, a trust policy must be created.
A trust policy is created when:
- the nominee is your spouse or child; or
- the nominee is your parent, provided there is no living spouse or child at the time of nomination.
If you nominate individuals other than your spouse, children, or parents, a non-trust policy is created.
In this case, the nominee(s) will receive the policy moneys as executor only and must distribute them according to:
- your Will, or
- applicable distribution laws if there is no Will.
If you intend for such nominee(s) to receive the policy moneys for their own use, you must assign the policy benefits to them.
In short, if you nominate persons other than your spouse, children, or parents, consider assigning the policy benefits to avoid unintended outcomes. Please contact MSIG for further assistance.
For Muslim policy owners, nominee(s), regardless of their relationship to the Insured Person, may only receive the policy moneys as executor.
The policy moneys must be distributed in accordance with Islamic laws.
Disclaimer: The above FAQs are for general reference only. In the event of any inconsistency or dispute, the provisions under Schedule 10 of the Financial Services Act 2013 shall prevail.
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