How is the MHinsure Premier different from the Basic and Value plans?
Of course, being the more expensive option, you will be entitled to a higher insured amount of up to RM1,000,000 on medical and dental expenses overseas for adults below the age of 70 - that's more than twice the Value plan amount.
Additionally, you will receive a higher amount of your hospital stay, with RM5,000 difference.
And finally, the MHinsure Premier plan provides protections that the Basic and Value plans do not, such as:
- Pet care
- Travel re-route
- Rental car excess
- Credit card indemnity
- Cancellation due to delay
- Loss of deposit due to insolvency of airline
- Loss or damage to sports equipment (golf and bicycle)
Does this insurance policy come together with my MAS flight booking?
For a little extra cash, you can add the MHinsure to your travel itinerary with Malaysian Airlines.
Even if you're flying on a different carrier, you can still purchase this travel insurance as a standalone policy.
As stated in the terms and conditions, the policy is available to any Malaysian resident traveling on any airline from or operating in Malaysia.
As this insurance policy is provided by Malaysian Airlines, you need to make flight purchases through Malaysian Airlines to be eligible to buy this plan.
The minimum age requirement is at least the age of 18 to 70 years old.
So if you want to get your child protected, he/she can be assured at a maximum age of 21 years old if he/she is unmarried and still pursuing tertiary education.
Otherwise, those over the age of 18 years old would need to purchase their own policy.
How many days can I be protected per trip?
It depends on whether you are travelling locally or abroad.
For those of you who travel within Malaysia, a domestic plan will keep you covered for a maximum of 30 days per trip.
Whereas, for those who travel abroad, you can be insured up to a maximum of 90 days.
How do I submit a claim to Etiqa?
You will first need to download the claim form and fill in the relevant sections.
Together with the form, bring along all relevant documents to support your claims such as reports, valuation, medical reports and so on.
Email these documents along with the complete claims form to: [email protected]
Please take note that claims can only be made within 30 days of the event.
Otherwise, Etiqa holds the right to reject your claims! It is crucial that you keep all original receipts and claims form for your own records.
Can I cancel this policy and get a refund of the premiums paid?
Absolutely. You can cancel your insurance plan as long as you give written notice.
However, please be noted that the refund of the premium is subjected to the terms and conditions in your policy contract.