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Travel insurance

Travel insurance is a type of insurance that provides coverage for unexpected events that may occur while traveling. It is designed to protect travelers from financial losses and provide assistance in case of emergencies during their trip.

The key features of travel insurance in Malaysia may include:

  1. Trip cancellation or interruption coverage: This feature provides reimbursement for prepaid and non-refundable travel expenses if the trip needs to be canceled or cut short due to covered reasons such as illness, injury, or natural disasters.
  2. Medical coverage: Travel insurance typically includes medical coverage, which covers medical expenses and emergency medical evacuation in case of illness or injury during the trip.
  3. Personal accident coverage: This feature provides coverage for accidental death or permanent disablement that occurs during the trip.
  4. Baggage and personal belongings coverage: Travel insurance offers coverage for lost, stolen, or damaged baggage and personal belongings during the trip.
  5. Travel delay coverage: This feature provides reimbursement for additional expenses incurred due to travel delays, such as accommodation, meals, and transportation.
  6. Emergency assistance services: Travel insurance often includes access to 24/7 emergency assistance services, which can provide help with medical emergencies, travel arrangements, and other unexpected situations.
  7. Personal liability coverage: This feature offers coverage for legal liability arising from accidental injury or damage caused to others during the trip.

It is important to note that the specific features and coverage of travel insurance policies may vary among different insurance providers in Malaysia. There are many insurance companies providing travel insurance, namely Allianz, Berjaya Sompo, Zurich, AXA Affin, AIG and Pacific Insurance. It is recommended to carefully review the policy terms and conditions to understand the coverage and exclusions before purchasing travel insurance.

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