Citibank SmartTraveller VIP Plan

Coverage

What can I claim from this insurance policy?

Personal Accident	Malaysia	Asia	Worldwide
Accidental Death and Permanent Disability	Not covered	RM 300000 individual RM 900000 family RM 300000 per adult RM 75000 per child	RM 300000 individual RM 900000 family RM 300000 per adult RM 75000 per child
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 300000 individual RM 900000 family RM 300000 per adult RM 300000 per child	RM 300000 individual RM 900000 family RM 300000 per adult RM 300000 per child
Compassionate Visitation	Not covered	RM 7500 individual RM 2500 family RM 7500 per adult RM 7500 per child	RM 7500 individual RM 2500 family RM 7500 per adult RM 7500 per child
Traditional or Alternative Medicine When conventional treatment is just too mainstream	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
Child Care Benefit	Not covered	RM 5000 individual RM 15000 family	RM 5000 individual RM 15000 family
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
Hospital 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
Quarantine Catch a contagious disease and you'll be spared the cost of isolation	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
Repatriation of Mortal Remains	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
Emergency Medical Evacuation	Not covered	Unlimited	Unlimited
Emergency Medical Repatriation	Not covered	Unlimited	Unlimited
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 Travel Documents and Money	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
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
Cancellation due to Delay	Not covered	RM 500 individual RM 1500 family RM 500 per adult RM 500 per child	RM 500 individual RM 1500 family RM 500 per adult RM 500 per child
Loss of Deposit or Cancellation	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
Trip Curtailment	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
Trip Overbooked	Not covered	RM 3000 individual RM 9000 family RM 3000 per adult RM 3000 per child	RM 3000 individual RM 9000 family RM 3000 per adult RM 3000 per child
Trip Misconnection	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
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
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
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
Loss Of Deposit Due To Abscondment Or Insolvency Of Travel Agency	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
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 per child	RM 5000 individual RM 15000 family RM 5000 per adult RM 5000 per child
Personal Liability	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
Rental Car Excess	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
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