MHinsure Basic

An affordable travel insurance plan with benefits such as cashless hospitalization and fixed domestic premium for 30 days from as low as RM0.73 per day. Fly and get protected with MHinsure travel insurance.

MHinsure BasicFixed Domestic Premium
Personal Accident
up to RM200k
Medical Expenses
up to RM25k
Trip Cancellation
up to RM5k
Travel Delay
up to RM2.4k
Lost Baggage
up to RM2.5k
Cashless Medical Care
Covered
Buy Online
No

Contact Info

Who do I contact for any inquiries?

MHinsure Hotline

Regions Covered

Which regions are covered by this plan?

Domestic (Area 1)

Includes West and East Malaysia

Asia (Area 1)

Included Countries:

  • Bangladesh
  • Bhutan
  • Brunei
  • Cambodia
  • China
  • Hong Kong
  • India
  • Indonesia
  • Japan
  • Laos
  • Macau
  • Maldives
  • Myanmar
  • Pakistan
  • Philippines
  • Sikkim
  • Singapore
  • South Korea
  • Sri Lanka
  • Taiwan
  • Thailand
  • Timor Leste
  • Vietnam and Nepal
Worldwide (Area 2)

Excluded Countries:

  • USA
  • Canada
Worldwide (Area 3)

Included Countries:

  • USA
  • Canada

Premiums

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

Premiums for Domestic (Area 1)
PlanIndividualFamily

Coverage

What can I claim from this insurance policy?

Personal AccidentDomestic (Area 1)
Accidental Death
The worst thing that could ever happen while you're on holiday
  • RM - individual
  • RM0 per adult
  • RM0 per child
  • RM50k senior
Permanent Disability
An accident that leaves you unable to work or care for your family
  • RM - individual
  • RM0 per adult
  • RM0 per child
  • RM50k senior
Child Education
Not covered
Medical RelatedDomestic (Area 1)
Medical Expenses
Cover for hospital charges related to accident and injury
RM25k for all
Emergency Dental Treatment
RM1k for all
Emergency Medical Evacuation
RM200k for all
Repatriation of Mortal Remains
RM150k for all
Compassionate Visitation
RM2k for all
Child Care
Need a childminder whilst you're in hospital? No problem
RM10k for all
Emergency Travel & Accommodation
RM500 for all
Follow-up Treatment in Malaysia
Your treatment and recovery might take a while
Not covered
Alternative Medicine
Not covered
Hospital Allowance
Not covered
Quarantine (Pandemic Influenza)
Not covered
Emergency Telephone & Internet Charges
Not covered
Travel InconvenienceDomestic (Area 1)
Loss or Damage of Personal Property and Baggage
RM2.5k for all
Loss of Travel Documents
RM1.5k for all
Luggage Delay
You might arrive safely at your destination, but will your suitcase?
RM500 for all
Travel Delay
Get compensated for late arrival at your holiday destination
RM1.8k for all
Departure Delay
Someone should pay if you're late leaving for your holiday!
RM1.8k for all
Travel Cancellation
Cover for an unexpected incident that forces you to cancel your trip
RM3.5k for all
Trip Curtailment
RM3.5k for all
Hijacking
Get covered for every travellers worst nightmare
RM1k for all
Personal Liability
RM500k for all
Missed Connecting Flight
RM1k for all
Home Care
Loss or damage to your home and contents when you are away
Not covered
Loss of Money
Carrying a lot of cash is risky. Don't keep it all in once place!
Not covered

Fees & Charges

Stamp Duty Fee
No Fee

Requirements

Are you eligible to apply for this insurance?

Single Trip For IndividualsFor Seniors
   Between 18 and 70 years of ageAt least 71 years of age
Children Travelling With Family Per Child
   At most 20 years of age

More Information

Tell me about MHinsure Basic travel insurance.

MHinsure Basic is a travel insurance by MHinsure, which is underwritten by Etiqa General Insurance Berhad and assisted by Cover-More.

Whether you're travelling solo, with a family or partner, this travel insurance plan offers comprehensive medical and travel-related benefits such as:

  • Emergency Medical and Dental - up to RM200,000
  • Accidental Death and Disablement - up to RM200,000
  • Overseas Hospital Confinement Allowance - up to RM5,000
  • Emergency Medical Assistance, Evacuation, Repatriation of Mortal Remains - unlimited
  • Luggage and Personal Effects - up to RM2,500
  • Luggage Delay - up to RM500
  • Travel Delay - up to RM2,400
  • Trip Cancellation - up to RM5,000
  • Hijacking - up to RM1,000
  • Personal Liability - up to RM500,000
  • Ambassador services
  • Emergency travel arrangement
  • Lost luggage and passport assistance

The best part about this travel insurance plan is that you can get protected at cheaper premium from as low as RM22 (domestic) or RM33 (overseas) on a single trip.

Click here for MHinsure Domestic Product Disclosure Sheet

Click here for MHinsure International Product Disclosure Sheet

Why you should choose MHinsure travel insurance?

Fixed Domestic Premium

When traveling domestically you can save a lot of money as MHinsure comes at a fixed premium for up to 30 days. Unlike its international plan where a single trip premium is tiered by day; the longer you stay, the higher the premium. 

Whether your business or leisure requires you to frequent to places within Malaysia in a month, look no further as MHinsure Basic has the most valuable plan in terms of premium savings.

Cashless hospitalization

This cashless hospitalization benefit will be managed by Cover-More when you are facing any of these events: overseas hospitalization or repatriation or medical evacuation.

All your in-patient expenses and medical bills will be settled directly by Cover-More on your behalf to the hospital, while you recover in peace.

If at any situation Cover-More is unable to arrange this service, MHinsure will approve and reimburse all expenses incurred to you when you return to Malaysia.

*Terms and conditions apply

Plan Upgrade and Refund

If after purchasing MHinsure Basic plan you decide to  change to a higher sum insured plan, you can request for an upgrade to Value or Premier plan and request for a refund on the current purchased plan.

Who can apply for MHinsure travel insurance?

If you are a resident or citizen of Malaysia between 18 to 70 years old, you are eligible to purchase MHinsure.

Under the Family Plan, the maximum persons to be insured is up to 10 people only. This including children, whose maximum age is 20 years old (must not married and still studying).

You can extend your Family Coverage to a maximum of up to 2 adults and/or up to 8 accompanied children or 7 accompanied children and 1 domestic servant.

Individual aged 70 years old and above will be under Senior and is eligible to apply for this plan too.

TypeMHinsure Basic Domestic PlanMHinsure Basic International Plan
IndividualAvailableAvailable
FamilyAvailableAvailable

That's not all, MHinsure Basic is also available for anyone who is travelling through or transiting through a Malaysian airport whose journey starts in Malaysia.

Geographical area covered

Whether you're travelling within Malaysia, in Asia or other far, far away countries, the travel insurance by Malaysia Airlines will get you covered.

Make sure your destination is within MHinsure geographical area coverage:

  • Domestic: within Malaysia
  • Asia:  Bangladesh, Bhutan, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Laos, Macau, Maldives, Myanmar, Pakistan, Philippines, Sikkim, Singapore, South Korea, Sri Lanka, Taiwan, Thailand, Timor Leste, Vietnam and Nepal.
  • Worldwide excluding USA and Canada
  • Worldwide

How to submit a claim to MHinsure?

A claim must be submitted to MHinsure within 30 days from the date of your arrival back to Malaysia.

First you need to complete the claim form and attach all relevant documents such to support your claims. You can submit your claim request via email at [email protected].

For more information on the 24 hour claim enquiries, you can all MHinsure Claims Department Toll Free at 1 800 888 777 (within Malaysia) or +603 2263 5700 (please place a collect call/reverse charges). Alternatively, you can email to [email protected].

MHinsure Basic amendment and refund of policy

On policy cancellation and refund

  • BEFORE departure date: you will be given a FULL REFUND OF PREMIUM (without interest) by returning this document and the original certificate of Insurance before the departure date and provide MHinsure with sufficient proof that you don't intend to start your journey with them. You must also provide a written confirmation on not making any claims or exercising any rights under the policy.
  • AFTER departure date: you will not be entitled to a refund of any part of your premium if you cancel the policy.

On travel date amendment: travel date can be amended 24 hours before the departure.

On one-way ticket purchase: one-way ticket travel insurance is available, however, the coverage terminates on the same date or upon arrival at the final destination.

On purchasing the travel insurance policy after departure: not applicable, you must purchase MHinsure prior to your departure.