Insurance 101

A Guide to Travel Insurance Coverage You Didn’t Think You Need

This guide simplifies key travel insurance coverage so you can tailor it to meet your needs when traveling overseas.

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Envision the excitement of embarking on your long-awaited journey abroad. The allure of discovering new landscapes, savouring exotic cuisines, and immersing yourself in diverse cultures fill you with anticipation.

Yet, amidst this euphoria lies the stark reality of potential travel setbacks. A sudden illness, a flight disruption, or the unexpected loss of luggage can swiftly transform your dream vacation into a financial and emotional nightmare.

Enter overseas travel insurance – your ally against the uncertainties of international travel. More than just a safety net, it's a strategic investment in safeguarding your financial well-being and preserving your peace of mind. With travel insurance as your shield, you can traverse the globe with confidence, fully immersed in the magic of your journey.

This guide will break down the key benefits offered in most travel insurance plans, tailored to meet the distinct needs of Malaysian travellers venturing abroad.

A. Personal Accident Benefits

Imagine an unforeseen accident unfolding during your overseas adventures. Personal accident benefits during your travel serve as a beacon of financial security, offering two vital forms of protection:

  1. Accidental Death / Accidental Permanent Disablement: In the event of a tragic accident resulting in death or permanent disability, this benefit extends a lifeline to your loved ones, providing them with a lump sum payment to navigate through challenging times.
  2. Child Education: Should the unthinkable occur and you pass away due to an accident while traveling abroad, rest assured knowing that your children will receive invaluable financial assistance to support their educational aspirations.

B. Breakdown of Medical Benefits

Our comprehensive medical benefits our travel insurance coverage go beyond mere reimbursement of medical expenses. They serve as a pillar of support during times of health-related adversity, encompassing:

  1. Medical, Hospital, and Treatment Expenses: Covering the spectrum of unforeseen medical care expenses, including emergency dental treatment, ensuring you can focus on recuperation without the burden of mounting bills.
  2. Compassionate Visitation Benefit: Alleviating the emotional strain of hospitalization, this benefit facilitates the travel and accommodation expenses for a loved one to be by your side during times of medical need.
  3. Alternative Medical Treatment: Embracing holistic healthcare modalities, this benefit reimburses expenses for non-traditional treatments such as acupuncture, physiotherapy, or chiropractic care, as recommended by your attending physician.
  4. Hospital Allowance: Providing a measure of financial relief during hospitalization, this benefit offers a daily allowance to cover incidental expenses incurred during your recovery.

C. Emergency Medical Evacuation & Repatriation

Two medical officers wearing their uniforms sitting in an ambulance checking their medical equipments.

When faced with a serious medical emergency abroad, emergency medical evacuation and repatriation services ensure access to optimal medical care and facilitate your safe return to Malaysia. This includes arrangements for the repatriation of mortal remains in the unfortunate event of your passing while traveling.

D. Personal Belongings Benefits

Lost luggage or a stolen wallet need not spoil your overseas escapade. Personal belongings benefits provided by the comprehensive travel insurance coverage, encompassing reimbursement for lost or damaged items, replacement of travel documents, and assistance in the event of baggage delays, allowing you to navigate your journey worry-free.

E. Travel Inconvenience Cover

From flight disruptions to missed connections and entertainment ticket losses, our travel inconvenience cover minimizes the stress of travel disruptions, ensuring you can navigate unforeseen challenges with grace and ease.

Optional Coverage for Enhanced Protection

A long-haired woman standing with her back to the camera, looking directly at the airport's arrival and departure information board. She is carrying a black backpack and her right hand holding a handle of a trolley bag.

In addition to our comprehensive overseas travel insurance coverage, travellers can bolster their protection with optional add-ons tailored to their specific needs.

Flight Cancellation/Rescheduling during the Trip: This add-on safeguards travellers against unexpected flight disruptions caused by factors like severe weather or personal emergencies. It reimburses non-refundable trip expenses and covers additional costs for alternative transportation, ensuring peace of mind amidst itinerary changes.

Cruise Cover: Designed for cruise enthusiasts, this option provides comprehensive protection tailored to the unique challenges of cruising. It covers missed connections due to flight delays, expenses for rejoining the cruise after land-based hospitalization, and additional costs for return flights in case of port delays, enabling worry-free maritime exploration.

Pandemic Cover: In today's uncertain times, this add-on enhances the essential coverage in travel insurance for travellers diagnosed with a pandemic illness during their trip. From trip cancellation to medical expenses and emergency evacuation, it ensures financial protection and access to necessary medical care in the event of a contagious illness while abroad.

By opting for these additional travel insurance coverages, travellers can tailor their travel insurance plans to suit their needs, ensuring a smooth and worry-free journey. Whether purchasing online or through our dedicated customer service team, travellers can embark on their adventures with confidence, knowing they're fully protected every step of the way.

While these travel insurance benefits add valuable layers to our international travel insurance, remember, there's more to explore. If you want a deeper dive into all the coverage, simply go to our travel insurance benefits page to know more. Our travel insurance policy wording also lays out all the details you need to make informed decisions tailored to your specific needs.

Embark on your next overseas adventure with confidence! Get your Generali travel insurance online today and unlock a world of possibilities with peace of mind as your constant companion.

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