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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

TravelRight Domestic (Inbound) Insurance Policy Wording (EN)

Download TravelRight Domestic (Inbound) Insurance Policy Wording (EN)

TravelRight Domestic (Inbound) Insurance Leaflet with Product Disclosure Sheet (EN, BM)

Download TravelRight Domestic (Inbound) Insurance Leaflet with Product Disclosure Sheet (EN, BM)

TravelRight Domestic (Inbound) Insurance Proposal Form (EN, BM)

Download TravelRight Domestic (Inbound) Insurance Proposal Form (EN, BM)

TravelRight Domestic (Inbound) Insurance Product Disclosure Sheet (EN)

Download TravelRight Domestic (Inbound) Insurance Product Disclosure Sheet (EN)

TravelRight Domestic (Inbound) Insurance Product Disclosure Sheet (BM)

Download TravelRight Domestic (Inbound) Insurance Product Disclosure Sheet (BM)
Download all

Nomination

View Downloads

Why do I have to nominate?

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.
Who can I nominate?

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.
How do you create a trust policy?

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.
What if I nominate someone else as my nominee(s)?

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.
What about Muslim policy owner?

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.

View full Nomination FAQ

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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