Affordable Domestic Travel Insurance - Z-Travel

1. You must be a Malaysian, or non-Malaysian who has a permanent resident status, valid work permit, valid student permit, entry permit or Malaysia My Second Home (MM2H) status.
2. Age limits (all ages refer to the age of your next birthday): 
   Individual Cover, Individual & Spouse Cover, Family Cover – 30 days old to 80 years old. For Children insured/covered under individual or family cover, the policy/ certificate must be purchased/participated in by the parents/legal guardian. 
   Child Cover – 30 days old to 17 years old, or 23 years old if studying as a full-time student at the commencement of the journey.

This is a domestic travel product that covers you while you are travelling within Malaysia, and it is available in both Insurance & Takaful.

Yes, the journey shall not exceed 60 days.

Yes, this product is subject to 8% SST.

Yes. This product is available for both individual and group. 

Individual - individual can purchase/participate in the policy/ certificate for himself/herself or extend the cover for his/her spouse and children. 

Group - company/association can purchase/participate in the policy/ certificate for their employees/members. However, it is important to take note that the person/entity purchasing/participating in the policy/ certificate is the policyholder/certificate holder. Therefore, in the event of claims, claims will be payable to the policyholder/ certificate holder.

No. You cannot purchase/participate in a group policy/ certificate with your friends if there is no insurable interest/permissible takaful interest between you and the other insured persons/ persons covered.

Family plan can be purchased/participated in to cover you, one of your legal spouses and your accompanying child(ren) who must be between 30 days old to 17 years old, or 23 years old if studying as a full-time student at the commencement of the journey. 

If your child(ren) has exceeded the child’s maximum age as mentioned above, he/she must purchase/participate in an individual policy/ certificate. If your spouse is not travelling together, you can still purchase /participate in a family plan to cover yourself and your child(ren).

There is no limit on the number of family members that can apply on family plan. However, the maximum limits payable under the family plan is 300% of the limit and sub-limit stated in the Schedule of Benefits, except for the following benefits in which the limits remain as per the insured person/ person covered. 

BENEFIT 1 & 3– Accidental Death & Permanent Disablement & Accidental Hospital Income 
BENEFIT 15 & 16 - Hospital Allowance & Death due to Covid-19 (if you have selected this add-on benefits)

Once you have departed for your trip, the policy/ certificate cannot be amended/extended.

We do cover you when you are in your cruise journey. Nevertheless, as this is not solely a cruise cover, we do not cover Travel Interruption, Travel Delay, Baggage Delay during your cruise journey.

Mountaineering or any activity above three thousand (3,000) meters height, rock climbing and any underwater activities exceeding fifty (50) meters in depth are excluded from this policy/ certificate.

Yes, as the policy/ certificate covers you until you return your home or place of business, it is advisable for you to purchase/participate in the policy/ certificate until the date when you expect to return home or place of business.

If the policy/certificate is purchased/participated in by you, you will be the policyholder/ certificate holder of the policy/ certificate and only the policyholder/ certificate holder have the sole right to nominate. However, if your wife wishes to nominate, it is advisable to purchase/participate in an individual policy/ certificate, instead of family plan.

You may cancel your policy/ certificate by giving a written notice to us, but no premium/ contribution will be returned.