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.