AXA Affin Smart Traveller Plan VIP

A travel insurance plan which goes one step further than its classic version by offering higher coverage limits as well as benefits for any travel inconveniences you may encounter during your trip.

AXA Affin Smart Traveller Plan VIPHigh Coverage Limits
Personal Accident
up to RM900k
Medical Expenses
up to RM900k
Trip Cancellation
up to RM60k
Travel Delay
up to RM9.6k
Lost Baggage
up to RM22.5k
Cashless Medical Care
Not covered
Buy Online
No

Contact Info

Who do I contact for any inquiries?

Travel Assistance Hotline & Services
  • 24-hour AXA Travel Assistance Hotline
AXA Affin Hotline

Regions Covered

Which regions are covered by this plan?

Asia (Area 1)

Included Countries:

  • Australia
  • Brunei
  • Cambodia
  • China (excluding Mongolia
  • Nepal & Tibet)
  • Hong Kong
  • Macau
  • India
  • Indonesia
  • Japan
  • South Korea
  • Laos
  • Myanmar (Burma)
  • New Zealand
  • Pakistan
  • Philippines
  • Singapore
  • Sri Lanka
  • Taiwan
  • Thailand
  • Vietnam
Worldwide (Area 2)

Excluded Countries:

  • USA
  • Canada
  • Iran
  • Syria
  • Belarus
  • Cuba
  • Democratic Republic of Congo
  • North Korea
  • Somalia
  • Sudan
  • South Sudan
  • Crimea (including Sevastopol)
  • Russia
  • Ukraine
  • Zimbabwe
  • Malaysia
Worldwide (Area 3)

Excluded Countries:

  • Iran
  • Syria
  • Belarus
  • Cuba
  • Democratic Republic of Congo
  • North Korea
  • Somalia
  • Sudan
  • South Sudan
  • Crimea (including Sevastopol)
  • Russia
  • Ukraine
  • Zimbabwe
  • Malaysia

Premiums

How much must I pay to be insured during my travels?

Premiums for Asia (Area 1)
PlanIndividualFamily

Coverage

What can I claim from this insurance policy?

Personal AccidentAsia (Area 1)
Accidental Death
The worst thing that could ever happen while you're on holiday
  • RM - individual
  • RM300k per adult
  • RM75k per child
  • RM900k family
Child Education
RM10k for all
Permanent Disability
An accident that leaves you unable to work or care for your family
  • RM - individual
  • RM300k per adult
  • RM300k per child
  • RM900k family
Loss of Limbs or Sight
Injury that prevents you from ever working again
  • RM - individual
  • RM300k per adult
  • RM300k per child
  • RM900k family
Medical RelatedAsia (Area 1)
Medical Expenses
Cover for hospital charges related to accident and injury
  • RM - individual
  • RM0 per adult
  • RM0 per child
  • RM900k family
  • RM150k senior
Compassionate Visitation
  • RM - individual
  • RM7.5k per adult
  • RM7.5k per child
  • RM22.5k family
Traditional or Alternative Medicine
When conventional treatment is just too mainstream
  • RM1k individual
  • RM1k per adult
  • RM1k per child
  • RM3k family
Child Care Benefit
  • RM5k individual
  • RM0 per adult
  • RM0 per child
  • RM15k family
Medical Treatment in Malaysia
  • RM30k individual
  • RM0 per adult
  • RM0 per child
  • RM90k family
  • RM15k senior
Hospital Allowance
  • RM - individual
  • RM10.5k per adult
  • RM10.5k per child
  • RM31.5k family
Quarantine (Pandemic Influenza)
  • RM - individual
  • RM2k per adult
  • RM2k per child
  • RM6k family
Emergency Medical Evacuation
Unlimited for all
Emergency Medical Repatriation
Unlimited for all
Repatriation of Mortal Remains
Unlimited for all
Travel InconvenienceAsia (Area 1)
Loss or Damage of Personal Property and Baggage
  • RM - individual
  • RM7.5k per adult
  • RM7.5k per child
  • RM22.5k family
Loss of Travel Documents and Money
  • RM - individual
  • RM7.5k per adult
  • RM7.5k per child
  • RM22.5k family
Luggage Delay
You might arrive safely at your destination, but will your suitcase?
  • RM - individual
  • RM800 per adult
  • RM800 per child
  • RM2.4k family
Travel Delay
Get compensated for late arrival at your holiday destination
  • RM - individual
  • RM3.2k per adult
  • RM3.2k per child
  • RM9.6k family
Cancellation due to Delay
  • RM - individual
  • RM500 per adult
  • RM500 per child
  • RM1.5k family
Travel Cancellation
Cover for an unexpected incident that forces you to cancel your trip
  • RM - individual
  • RM20k per adult
  • RM20k per child
  • RM60k family
Trip Curtailment
  • RM - individual
  • RM20k per adult
  • RM20k per child
  • RM60k family
Travel Overbooked
  • RM - individual
  • RM3k per adult
  • RM3k per child
  • RM9k family
Missed Connecting Flight or Transport
Don't worry about the cost of missing the next connection
  • RM - individual
  • RM200 per adult
  • RM200 per child
  • RM600 family
Hijacking
Get covered for every travellers worst nightmare
  • RM - individual
  • RM10k per adult
  • RM10k per child
  • RM30k family
Missed Departure
Been left behind thanks to public transport being late? Get money back
  • RM - individual
  • RM2k per adult
  • RM2k per child
  • RM6k family
Travel Re-route
Flight diversions add unnecessary expense - get yourself covered
  • RM - individual
  • RM200 per adult
  • RM200 per child
  • RM600 family
Loss Of Deposit Due To Abscondment Or Insolvency Of Travel Agency
  • RM - individual
  • RM5k per adult
  • RM5k per child
  • RM15k family
Loss of Credit Card
Cover for purchases made after your card is stolen
  • RM - individual
  • RM5k per adult
  • RM5k per child
  • RM15k family
Personal Liability
  • RM - individual
  • RM1m per adult
  • RM1m per child
  • RM3m family
Home Care
Loss or damage to your home and contents when you are away
  • RM - individual
  • RM5k per adult
  • RM5k per child
  • RM15k family
Rental Vehicle Excess
  • RM - individual
  • RM1k per adult
  • RM1k per child
  • RM3k family
Ransom Payment for Hostage and Kidnapping
It's some consolation to know that your captor's demands will be met
  • RM - individual
  • RM100k per adult
  • RM100k per child
  • RM300k family

Fees & Charges

Stamp Duty Fee
No Fee

Requirements

Are you eligible to apply for this insurance?

Single Trip For IndividualsFor Families
   Between 18 and 79 years of ageBetween 30 days and 79 years of age
Children Travelling With Family Per Child
   Between 30 days and 23 years of age

More Information

What is the AXA Affin Smart Traveller Plan VIP about?

The AXA Affin Smart Traveller is a travel insurance product from AXA Affin that provides compensation for people travelling overseas in the event of injuries, disability or death caused by violent, accidental, external and visible events during the trip. 

The coverage provided is applicable worldwide, allowing you and your family members to travel with greater confidence, wherever your destination may be.

Smart Traveller is also designed the way travellers want travel insurance to be – hassle-free, immediate activation and with 24-hour emergency assistance anywhere in the world. 

You may choose between the VIP and Classic Plans under this policy.

What are the main benefits of this travel insurance policy?

The policy provides high medical coverage when you’re overseas, compensation for travel inconveniences such as baggage loss or damage, travel delays and baggage delays. 

The policy also provides unlimited coverage for emergency transportation and medical care to the nearest hospital.

If you have to cancel your trip due to serious injury or illness to you or your immediate family, the policy will also compensate you for irrecoverable travel and accommodation expenses of up to RM20,000 for the individual coverage, provided your travel insurance policy was purchased at least 14 days before your trip.

If I am hospitalised during my trip overseas, what will the policy cover?

One of the key benefits of this policy is the Compassionate Visitation Benefit.

If you have been hospitalised during your trip, AXA Affin will help pay for additional expenses of one relative or friend required on medical advice to travel or remain together with you. 

The limit is up to RM7,500 if the policy covers only the individual, or up to RM22,500 if it is a family coverage.

If you have children back in Malaysia, and you can’t get on a flight home as scheduled, someone’s going to have look after them in your absence. 

Luckily, the policy also provides Child Care Benefit that pays for the expenses of one relative or friend to take care of your children while you’re hospitalised.

Once you’re back home, AXA Affin will also reimburse you for follow-up treatment within 90 days upon your return.

Is there any additional coverage provided in this policy?

The Severe Acute Respiratory Syndrome (SARS) outbreak in 2002 and the Middle East Respiratory Syndrome (MERS) outbreak in recent years has caused some anxiety among frequent travellers.

While it’s a good idea to get vaccinated, you may still be infected with more serious strains of flu viruses, especially during an influenza pandemic. 

AXA Affin Smart Traveller VIP provides compensation of RM200 for each full day you’re quarantined in a hospital ward.

The policy also helps to pay for any excess charges for your car rental in case you become legally liable to pay for loss or damage to your rental vehicle during the rental period.

Does the policy provide special coverages for extraordinary events?

Terrorism, scuba diving and winter sports are covered under the Smart Traveller VIP. 

So, in case you’re going for a holiday in Sabah or the Philippines, note that the policy also covers ransom payment as a result of kidnapping and hostage situations.

However, remember that ransom payments demanded by terrorists are usually higher than the limited coverage of RM100,000 per person.

Who is eligible to apply for the AXA Affin Smart Traveller VIP?

All Malaysian citizens, permanent residents, as well as employment pass or work permit holders and their dependents are eligible to apply.

For individual coverage, you must be between 18 and 79 years old to be eligible. 

For Family Plan coverage, a financed child must be between 30 days and 18 years’ old, or up to 23 years old if he or she is still studying in a recognised college or university.

How long can I get covered for?

The maximum period of coverage is 190 days.