Who is eligible to apply for Lonpac's Travel Net Gold?
This policy will be available to you, whether you choose to travel locally (only for trips from East Malaysia to West Malaysia and vice versa) or abroad. A child under your care will need to be at least 6 months old to be insured under this travel insurance policy.
Depending on his or her employment, your non-working child can be insured up until the age of 25. On the other hand, you will need to be at least 16 years old if you wish to be granted an individual policy for the Lonpac Travel Net Gold. There is no maximum age for application, but you coverage will be halved once you reach the age of 70.
What are the main benefits provided by Lonpac's Travel Net Gold?
This policy offers coverage for medical expenses, emergency travel for your family, accident and injury due to accident, travel inconveniences, household damages, and even in provide coverage in the even of a hijacked plane!
If you were to compare this to its other half the Travel Net Silver, this option will provide you with up to three times more coverage and unlimited reimbursement for any emergency travel arrangements. The only downside is that you will be paying a higher premium amount.
Would it be cheaper if I buy the annual plan?
Other than the extended coverage period, the other advantage of having the annual plan is that you will be paying less premiums per day on average.
For example, let's you that you travel back and forth to China months at a time for business every year. If you buy a single trip policy, you will have to pay RM138 every time. But for the annual plan, you will only have to pay RM300 once and have the freedom to travel there for as many times possible within the year.
Can I claim for treatment for personal injury at a hospital overseas?
Yes, but only under certain conditions. If your condition results from a sickness or accident while on your travels, you will be able make claims for your medical expenses. Self-inflicted injuries will not apply.
My luggage has been delayed for 1 day, how much am I entitled to receive?
To make sure that you can purchase all essential items (toothbrush?) still in your missing luggage, Lonpac will b able to give you RM200 for every 8 continuous hours of delay, up to a maximum of RM1,000.