Tokio Marine

Terms and Conditions

At a glance
Enhanced with
Covid-19 Cover What is it? Explorer
1. Age eligibility (at the time of certificate issuance): 6. Maximum period (two way cover) i. Hospitalisation Expenses
When the travel bug bites, venture out from your comfort
• Single trip : 30 days to 85 years old • Single Trip : 180 days • High sum insured up to RM1,000,000 for medical expenses up to RM500,000.
zone and give in to wanderlust backed by a reliable
• Annual trip : 18 to 75 years old
• Senior age : Age above 70 to 85 years old for single trip;
• Annual Trip : 90 days
• Emergency evacuation as charged or up to RM1,000,000 ii. Emergency Medical Evacuation
up to RM200,000.
insurance cover with Covid-19 coverages.
Hospitalisation & Evacuation
above 70 to 75 years old for annual trip.
7. One way cover terminates 72 hours upon scheduled
arrival at destination or expiry of period of insurance
• Trip cancellation and travel delay iii. Hospital Allowance up to 30 days due to Covid-19
2. Family cover provides coverage for 2 adults (parents/ legal whichever earlier. • Cashless admission for accidental injury with maximum RM400 per day.
guardian of age 18 and up to 70 years old) and any number
of their children as long as: 8. We will pay if: • Emergency travel assistance 24/7 iv. Travel Cancellation or Postponement
• Children age from 30 days to age below 18, or a) Travel agent has become insolvent; and up to RM25,000
• Children up to 23 years old who is a full time student in a b) You purchased this insurance within 7 days upon v. Travel Curtailment up to RM25,000
recognized institution of higher learning the full payment of air ticket or tour package is
NOW
3. You must contact & seek prior approval from Tokio Marine made.
INCLUDE
Travel Assistance for any evacuation or repatriation 9. We will not be liable for the same claim under more

4.
services. Failure to do so will invalid a claim.
Pre-existing condition will not be covered.
than one Policy and/or Certificate of Insurance for the
same Insured Person relating to the same Period of This brochure provides a brief description of the product and is not exhaustive.
COVID-19
Insurance issued by us or our authorized agents. For full details on exclusions, terms and conditions, kindly refer to the actual Policy Document. Travel Inconveniences COVERAGE
5. Automatic extension of Period of Insurance:
• 14 days if unavoidable delay due to carrier 10. Covid-19 coverages applicable for age from 30 days due to Covid-19
• 30 days if due to medical condition to 70 years old.

Tokio Marine Travel Assistance Services

Get in touch with Tokio Marine Travel Assistance Services for the
services available at your travel destination.
24/7 Hotline:
(603) 7628 3877 or (603) 7841 5770

Emergency Medical Assistance Emergency Travel Assistance (referral basis) Lifestyle Cover

• Medical Evacuation and/or Repatriation • Flight information

• Repatriation of Mortal Remains or Overseas • Inoculation, passport or visa information 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 TMIM or PIDM (visit [Link]).
Burial/Cremation • Weather, foreign exchange information
• Medical Monitoring • Lost item or personal belongings assistance Tokio Marine Insurans (Malaysia) Berhad
Agent stamp
• Dispatch of Essential Medication and Equipment • Legal or interpretation referral services 198601000381 (149520-U)

Not Available Locally

• Bail bond or transfer of emergency fund Level 20, Menara Hap Seng 3, Plaza Hap Seng,
• Compassionate Care referral services No. 1, Jalan P. Ramlee, 50250 Kuala Lumpur, Malaysia.
• Repatriation of Dependent Child/Child Care T: (03) 2027 8200 / 2789 8800 F: (03) 2022 2295
Customer Service Hotline: 1800 88 0812
• Tele-Medical Consultation
• Medical Practitioner Referral
Tokio Marine Insurans (Malaysia) Berhad is licensed under the [Link]
Financial Services Act 2013 and regulated by Bank Negara Malaysia. TME-EN122024
Table of Maximum Sum Insured (RM) Maximum Sum Insured (RM)
Maximum Sum Insured (RM) Maximum Sum Insured (RM) Maximum Sum Insured (RM) Maximum Sum Insured (RM)
Are you a frequent traveler?
Coverages
P500 P325 P500 P325 P500 P325 P500 P325
P500 P325 P500 P325 If you travel two times or more per year, our Tokio Marine Annual Explorer
The following are subject to 13. Travel Delay The following are subject to overall Section 24 limit : 25. Tokio Marine Travel Covered Covered is just the perfect plan for you.
overall Section 10 limit : • Per Adult/Senior/Child 3,600 2,700 24.1 Hijacking Inconvenience Assistance Services
Section I: Travel Accident and Medical Coverages 5. Child Care Adult Senior
• Each 6 consecutive hours 200 150
1. Personal Accident
• Per Event 10,000 5,000 10.1 Personal Money 750 750 • Per Adult/Senior/Child 900 900 Section IV: Optional Cover (With Additional Premium) Annual Premium P500 P325 P500 P325
- Each 24 consecutive hours 300 300 26. Extreme Activities If applicable If applicable Travel from Malaysia to : (RM) (RM) (RM) (RM)
1.1 Accidental Death and/or 6. Emergency Medical Evacuation 10.2 Travel Documents Covered Covered 14. Missed Departure
Permanent Disablement (only can claim 6.1 or 6.2 in anyone event) • Per Adult/Senior/Child 1,000 1,000 24.2 Compassionate Allowance only applicable to Insured Area 1 435.00 347.00 677.00 545.00
11. Travel Cancellation or Postponement Due to Kidnap Person up to seventy (70)
• Per Adult/Senior 500,000 325,000 6.1 Emergency Medical Evacuation - Area 2 616.00 487.00 807.00 649.00
(only can claim 11.1 or 11.2 in anyone event) 15. Flight Misconnection • Per Adult/Senior/Child 7,500 7,500 years old
• Per Child 100,000 75,000 due to Serious Medical Condition
11.1 Travel Cancellation • Per Adult/Senior/Child 600 600 Area 3 927.00 731.00 947.00 762.00
1.2 Child Education Fund • Per Adult/Senior/Child As Charged 1,000,000 24.3 Trauma Counselling
(only can claim 11.1.1 or 11.1.2 in anyone event) • Each 6 consecutive hours 200 200
• Per Family 10,000 7,500 6.2 Emergency Medical Evacuation - • Per Adult/Senior/Child 3,000 1,000 Annual Premium is subject to 8% Service Tax and RM10 Stamp Duty.
11.1.1 Travel Cancellation - Each counselling session 300 100
due to Serious Medical Condition 16. Overbooked Flight
2. Repatriation or Overseas Burial/ due to Non Covid-19
of Covid-19 • Per Adult/Senior/Child 250 200
Cremation related events
• Per Adult/Child 200,000 100,000 (exceeding 6 hours)
• Per Adult/Senior/Child As Charged 8,000 • Per Adult/Senior/Child As Charged 25,000

3. Medical and Related Expenses

7. Hospital Allowance
(only can claim 7.1 or 7.2 in anyone event)
11.1.2 Travel Cancellation due 17. Personal Liability Feeling adventurous? Extreme Activities (Optional Cover)
Eligible for Insured Person age up to 70 year old.
Table of Premium
to Covid-19 • Per Adult/Senior/Child 1,500,000 1,000,000 You’ll be glad to know the following extreme
• Per Adult/Senior/Child 1,000,000 750,000 7.1 Hospital Allowance - due to • Per Adult/Child 25,000 15,000 Individual Family activities are covered:
The following are subject to bodily injury or illness 18. Additional Cost of Rental Car Cover Winter Activities
11.2 Travel Postponement • Per Event 1,000 1,000 Adult Senior Skiing, Sledding, Snowmobiling, Ice Skating,
overall Section 3 limit : • Per Adult/Senior/Child 15,000 10,500
(only can claim 11.2.1 or 11.2.2 in anyone event) P500 P325 P500 P325 P500 P325 Snowboarding, Snow Tubing, Snow Bubble Ball,
3.1 Medical Expenses - Per day limit (up to 30 days) 500 350 Additional Premium Individual Family
11.2.1 Travel Postponement 19. Travel Agent’s Insolvency Cover No. of days (RM) (RM) (RM) (RM) (RM) (RM) Fatbike, Snow Shoeing, Snow Buggy, Snow
• Per Adult/Senior/Child Covered Covered 7.2 Hospital Allowance - due to P500 & P325 P500 & P325 Rafting & Snow Cabin Touring.
due to Non Covid-19 • Per Adult/Senior/Child 3,000 3,000 Area 1 1-5 55.00 45.00 85.00 69.00 137.00 110.00 (RM) (RM)
3.2 Alternative Medicine Covid-19 No. of Days
Related Events • Per Travel Agent 3,000,000 3,000,000
• Per Adult/Senior/Child 1,000 1,000 • Per Adult/Child 12,000 9,000 6 - 10 82.00 65.00 127.00 102.00 207.00 164.00 1-5 Days 19.00 48.00 Aerial Activities
• per Adult/Senior/Child As Charged 25,000 Bungee jumping, hang-gliding,
- Per day limit (up to 30 days) 400 300 20. Fraudulent Use of Credit Card(s) 11 - 18 130.00 104.00 193.00 156.00 327.00 260.00 6 - 10 Days 29.00 72.00
3.3 Follow-up Treatment parachuting, paragliding & sky diving
11.2.2 Travel Postponement due • Per Family 5,000 1,000
• Per Adult/Senior/Child 50,000 30,000 Section II: Travel Inconveniences Coverages 19 - 31 170.00 134.00 235.00 189.00 426.00 339.00 11 - 18 Days 44.00 111.00
to Covid-19
• Alternative Medicine sub-limit 1,000 1,000 8. Personal Luggage and Personal Effects Section III: Lifestyle Cover Each additional week thereafter 40.00 32.00 58.00 47.00 100.00 79.00 19 - 31 Days 54.00 135.00 Water Activities
• Per Adult/Child 25,000 15,000
3.4 Hospitalisation due to • Per Adult/Senior/Child 8,000 5,000 21. Home Care Parasailing, jet skiing, canoeing &
Each additional week thereafter 14.00 34.00 rafting (Class 1 to 3) not including white
Covid-19 12. Travel Curtailment or Disruption • Per Family 1,500 1,000 Area 2 1-5 77.00 62.00 118.00 95.00 193.00 154.00
Sub-limit: Annual 120.00 Not Applicable water rapids rafting
• Per Adult/Child 500,000 300,000 • Per single item, article, pair 500 500 12.1 Travel Curtailment 6 - 10 116.00 92.00 176.00 142.00 290.00 232.00
22. Golfers Cover
or set of articles (only can claim 12.1.1 or 12.1.2 in anyone event)
4. Compassionate Care • Per Adult/Senior/Child 1,000 - 11 - 18 184.00 146.00 270.00 217.00 463.00 368.00
• Per luggage 300 300 12.1.1 Travel Curtailment (only can claim 22.1 or 22.2 in 19 - 31 241.00 191.00 328.00 264.00 607.00 481.00
Area of Coverage
• Per Adult/Senior/Child 10,000 5,000
• Smart Device(s) and/or 1,000 500 due to Non Covid-19 anyone event)
(only can claim 4.1 or 4.2 in anyone event) Related Events Each additional week thereafter 57.00 46.00 81.00 65.00 142.00 113.00
mobile phone
4.1 Compassionate Care - Covered Covered • Per Adult/Senior/Child As charged 25,000 22.1 Hole-in-One Covered -
• Golf Equipment(s) 1,000 500 Travel from Malaysia to :
due to Hospitalisation of Area 3 1-5 113.00 89.00 152.00 122.00 282.00 224.00
12.1.2 Travel Curtailment due 22.2 Unused Golf Green Fees Covered - Area 1 Area 2 Area 3
the Insured Person 9. Luggage Delay 6 - 10 170.00 134.00 226.00 182.00 430.00 339.00
to Covid-19 23. Pet Care
4.2 Compassionate Care - Covered Covered • Per Adult/Senior/Child 800 600 • Per Adult/Child 25,000 15,000 11 - 18 277.00 219.00 346.00 279.00 700.00 552.00
• Per Event 1,000 50 • Australia, Brunei, Cambodia, China, Hong Kong, India, • Worldwide • Worldwide
due to death of the - Each 6 consecutive hours 200 150
• Each 6 consecutive hours 50 50 19 - 31 379.00 297.00 421.00 339.00 957.00 751.00 Indonesia, Japan, Korea, Laos, Macau, Maldives, • Except USA, Canada, • Except Excluded Countries*
Insured Person (Overseas during Trip) The following are subject to overall
Myanmar, New Zealand, Pakistan, Philippines, Tibet, Nepal & Excluded
Section 12.1.1 limit : Each additional week thereafter 87.00 68.00 104.00 84.00 217.00 171.00
24. Trauma Care Singapore, Sri Lanka, Taiwan, Thailand and Vietnam. Countries*
10. Personal Money and Travel Documents 12.2 Travel Disruption Covered Covered Per Adult/Senior/Child 11,400 9,400 • Malaysia (from Peninsular Malaysia to East Malaysia
• Per Adult/Senior/Child 7,500 5,000 • Premium is subject to RM10 Stamp Duty (applicable to Peninsular Malaysia, East Malaysia and overseas travel). or vice versa) * Kindly refer to policy wording or product disclosure sheet
• Travel from Peninsular Malaysia to East Malaysia or vice versa is subject to 8% Service tax. • Except Tibet, Nepal and Mongolia. for the Excluded Countries.
Note: Family plan sum insured is 3 times of individual sum insured. Note: Family plan sum insured is 3 times of individual sum insured.