AXA Affin

Underwritten by AXA Affin General Insurance Berhad

AXA Affin Smart Traveller Plan VIP

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

    • Individual
    • Family
    • Early Cancellation Full Refund
    • Personal Accidents
    • Medical Related
    • Travel Inconvenience
  • RegionRegion covered by this plan?Excluded Countries
    Malaysia
  • None
    Asia
  • None
    Worldwide
  • View

Apply online now for AXA Affin Smart Traveller Plan VIP

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Contact Info

Who do I contact for any inquiries?

Travel Assistance Hotline & Services
  •  +60321420399
  • 24-hour AXA Travel Assistance Hotline
  • AXA Affin Hotline
  •  +60321708282
  • Premiums

    *

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

    Across Asia
    Individual
    Couple
    Family
    1 - 5 days
    RM 35
    Not insured
    RM 88
    6 - 10 days
    RM 52
    Not insured
    RM 130
    11 - 18 days
    RM 78
    Not insured
    RM 195
    19 - 31 days
    RM 98
    Not insured
    RM 245
    Additional Week
    RM 23
    Not insured
    RM 58
    Worldwide
    Individual
    Couple
    Family
    1 - 5 days
    RM 64
    Not insured
    RM 160
    6 - 10 days
    RM 96
    Not insured
    RM 240
    11 - 18 days
    RM 143
    Not insured
    RM 358
    19 - 31 days
    RM 183
    Not insured
    RM 458
    Additional Week
    RM 44
    Not insured
    RM 110

    *inclusive of 6% GST


    Fees & Charges

    There are always fees but how much are they?

    Stamp Duty Fee
    No Fee

    Coverage

    What can I claim from this insurance policy?

    Personal Accident
    Malaysia
    Asia
    Worldwide
    Accidental Death

    The worst thing that could ever happen while you're on holiday

    Not covered
  • RM 900000 family
  • RM 300000 per adult
  • RM 75000 per child
  • RM 900000 family
  • RM 300000 per adult
  • RM 75000 per child
  • Permanent Disability

    An accident that leaves you unable to work or care for your family

    Not covered
  • RM 300000
  • RM 300000
  • Loss of Limbs or Sight

    Injury that prevents you from ever working again

    Not covered
  • RM 300000
  • RM 300000
  • Child Education
    Not covered
  • RM 10000
  • RM 10000
  • Medical Related
    Malaysia
    Asia
    Worldwide
    Medical Expenses

    Cover for hospital charges related to accident and injury

    Not covered
  • RM 900000 family
  • RM 300000 per adult
  • RM 300000 per child
  • RM 900000 family
  • RM 300000 per adult
  • RM 300000 per child
  • Follow-up Treatment in Malaysia

    Your treatment and recovery might take a while

    Not covered
  • RM 30000 individual
  • RM 90000 family
  • RM 30000 per adult
  • RM 30000 per child
  • RM 30000 individual
  • RM 90000 family
  • RM 30000 per adult
  • RM 30000 per child
  • Traditional or Alternative Medicine

    When conventional treatment is just too mainstream

    Not covered
  • RM 3000 family
  • RM 1000 per adult
  • RM 1000 per child
  • RM 3000 family
  • RM 1000 per adult
  • RM 1000 per child
  • Medical Evacuation and Transportation to Malaysia

    Emergency transportation can be expensive - get covered

    Not covered
  • Unlimited
  • Unlimited
  • Funeral In Malaysia

    Bringing your body back home for burial

    Not covered
  • Unlimited
  • Unlimited
  • Quarantine

    Catch a contagious disease and you'll be spared the cost of isolation

    Not covered
  • RM 6000 family
  • RM 2000 per adult
  • RM 2000 per child
  • RM 6000 family
  • RM 2000 per adult
  • RM 2000 per child
  • Hospital Confinement Allowance
    Not covered
  • RM 10500 individual
  • RM 31500 family
  • RM 10500 per adult
  • RM 10500 per child
  • RM 10500 individual
  • RM 31500 family
  • RM 10500 per adult
  • RM 10500 per child
  • Visiting Allowance

    Financial help when you need to visit a family member in hospital

    Not covered
  • RM 22500 family
  • RM 7500 per adult
  • RM 7500 per child
  • RM 22500 family
  • RM 7500 per adult
  • RM 7500 per child
  • Child Care

    Need a childminder whilst you're in hospital? No problem

    Not covered
  • RM 5000 individual
  • RM 15000 family
  • RM 5000 individual
  • RM 15000 family
  • Education Fund

    Payment to an education fund for your children in the event of your death

    Not covered
  • RM 10000
  • RM 10000
  • Travel Inconvenience
    Malaysia
    Asia
    Worldwide
    Loss of Luggage and Personal Belongings

    You might arrive safely at your destination, but will your suitcase?

    Not covered
  • RM 7500 individual
  • RM 22500 family
  • RM 7500 per adult
  • RM 7500 per child
  • RM 7500 individual
  • RM 22500 family
  • RM 7500 per adult
  • RM 7500 per child
  • Loss of Passport and Money

    Every traveller's worst nightmare covered

    Not covered
  • RM 22500 family
  • RM 7500 per adult
  • RM 7500 per child
  • RM 22500 family
  • RM 7500 per adult
  • RM 7500 per child
  • Loss of Credit Card

    Cover for purchases made after your card is stolen

    Not covered
  • RM 5000 individual
  • RM 15000 family
  • RM 5000 per adult
  • RM 5000 individual
  • RM 15000 family
  • RM 5000 per adult
  • Loss of Travel Deposit due to Cancellation

    Get a refund on your travel deposit if you choose to cancel your trip

    Not covered
  • RM 20000 individual
  • RM 60000 family
  • RM 20000 per adult
  • RM 20000 per child
  • RM 20000 individual
  • RM 60000 family
  • RM 20000 per adult
  • RM 20000 per child
  • Luggage Delay

    You might arrive safely at your destination, but will your suitcase?

    Not covered
  • RM 800 individual
  • RM 2400 family
  • RM 800 per adult
  • RM 800 per child
  • RM 800 individual
  • RM 2400 family
  • RM 800 per adult
  • RM 800 per child
  • Travel Delay

    Get compensated for late arrival at your holiday destination

    Not covered
  • RM 3200 individual
  • RM 9600 family
  • RM 3200 per adult
  • RM 3200 per child
  • RM 3200 individual
  • RM 9600 family
  • RM 3200 per adult
  • RM 3200 per child
  • Travel Re-route

    Flight diversions add unnecessary expense - get yourself covered

    Not covered
  • RM 200 individual
  • RM 600 family
  • RM 200 per adult
  • RM 200 per child
  • RM 200 individual
  • RM 600 family
  • RM 200 per adult
  • RM 200 per child
  • Missed Connecting Flight or Transport

    Don't worry about the cost of missing the next connection

    Not covered
  • RM 200 individual
  • RM 600 family
  • RM 200 per adult
  • RM 200 per child
  • RM 200 individual
  • RM 600 family
  • RM 200 per adult
  • RM 200 per child
  • Denied Boarding

    Plane overbooked? Been kicked off the flight? Get compensation!

    Not covered
  • RM 3000
  • RM 3000 per adult
  • RM 3000 per child
  • RM 3000
  • RM 3000 per adult
  • RM 3000 per child
  • Travel Interruption

    Nobody likes a holiday cut short - get paid if it happens to you!

    Not covered
  • RM 20000 individual
  • RM 60000 family
  • RM 20000 per adult
  • RM 20000 per child
  • RM 20000 individual
  • RM 60000 family
  • RM 20000 per adult
  • RM 20000 per child
  • Travel Cancellation

    Cover for an unexpected incident that forces you to cancel your trip

    Not covered
  • RM 20000 individual
  • RM 60000 family
  • RM 20000 per adult
  • RM 20000 per child
  • RM 20000 individual
  • RM 60000 family
  • RM 20000 per adult
  • RM 20000 per child
  • Missed Departure

    Been left behind thanks to public transport being late? Get money back

    Not covered
  • RM 2000 individual
  • RM 6000 family
  • RM 2000 per adult
  • RM 2000 per child
  • RM 2000 individual
  • RM 6000 family
  • RM 2000 per adult
  • RM 2000 per child
  • Loss or Damage to Rental Car

    Don't pay the Rental Excess charge - get covered at a reasonable cost

    Not covered
  • RM 1000 individual
  • RM 3000 family
  • RM 1000 per adult
  • RM 1000 per child
  • RM 1000 individual
  • RM 3000 family
  • RM 1000 per adult
  • RM 1000 per child
  • Third Party Liability

    Third party claims are a pain, but they don't have to hurt your wallet

    Not covered
  • RM 1000000 individual
  • RM 3000000 family
  • RM 1000000 per adult
  • RM 1000000 per child
  • RM 1000000 individual
  • RM 3000000 family
  • RM 1000000 per adult
  • RM 1000000 per child
  • Home Care

    Loss or damage to your home and contents when you are away

    Not covered
  • RM 5000 individual
  • RM 15000 family
  • RM 5000 per adult
  • RM 5000 per child
  • RM 5000 individual
  • RM 15000 family
  • RM 5000 per adult
  • RM 5000 per child
  • Hijacking

    Get covered for every travellers worst nightmare

    Not covered
  • RM 10000 individual
  • RM 30000 family
  • RM 10000 per adult
  • RM 10000 per child
  • RM 10000 individual
  • RM 30000 family
  • RM 10000 per adult
  • RM 10000 per child
  • Ransom Payment for Hostage and Kidnapping

    It's some consolation to know that your captor's demands will be met

    Not covered
  • RM 100000 individual
  • RM 300000 family
  • RM 100000 per adult
  • RM 100000 per child
  • RM 100000 individual
  • RM 300000 family
  • RM 100000 per adult
  • RM 100000 per child
  • Loss of Travel Deposit due to Airline Bankruptcy

    Probably not a wise choice to fly with this airline again

    Not covered
  • RM 15000 family
  • RM 5000 per adult
  • RM 5000 per child
  • RM 15000 family
  • RM 5000 per adult
  • RM 5000 per child
  • Requirements

    Are you eligible to apply for this insurance?

    Single Trip
    For Individuals
    Between 18 and 79 years of age
    For Families
    Between 18 and 79 years of age

    Children Travelling With Family
    Per Child
    Between 30 days and 18 years of age

    Frequently Asked Questions about AXA Affin Smart Traveller Plan VIP

    Things you might want to know

    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 have 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 financially 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.

    Read More