What does Z-Travel Insurance (Domestic) cover?
Z-Travel Insurance (Domestic) is a travel plan for trips within Malaysia, sold through Zurich's authorised agents rather than bought online.
It's built around two tiers, Basic and VIP, covering accidental death and permanent disablement, accidental medical expenses, hospital income, evacuation within Malaysia, travel cancellation and delay, baggage protection, personal liability and even golf equipment.
How do the Basic and VIP plans compare?
The gap between the two tiers comes down to two benefits: accidental death and disablement, and medical expenses. Everything else pays out at the same limit on either tier:
| Benefits | Basic Plan | VIP Plan |
| Accidental Death and Permanent Disablement | RM50,000 | RM100,000 |
| Accidental Medical Expenses | RM5,000 | RM10,000 |
| Accidental Hospital Income | RM100/day, up to 60 days | RM100/day, up to 60 days |
| Evacuation and Repatriation | Unlimited (within Malaysia) | Unlimited (within Malaysia) |
| Travel Cancellation | RM2,000 | RM2,000 |
| Travel Interruption (by flight) | RM2,000 | RM2,000 |
| Travel Delay (by flight, min. 6 hrs) | Up to RM450 | Up to RM450 |
| Baggage Delay (by flight, min. 6 hrs) | Up to RM200 | Up to RM200 |
| Baggage and Personal Effects | RM500 | RM500 |
| Personal Liability | RM500,000 | RM500,000 |
| Golf Equipment (theft or damage only) | RM1,000 | RM1,000 |
Evacuation and Repatriation also pays up to RM50,000 for evacuation out of Malaysia on both tiers. Limits shown are per insured person; refer to the policy wording for full terms.
Who can buy this plan, and what age applies?
This plan is open to Malaysians and non-Malaysians with permanent residency, a valid work permit, entry permit, or MM2H status, provided the trip stays within Malaysia.
Entry runs from 30 days old to 80 years old for the insured person or their spouse. Children on a Family plan can join from 30 days old to 17, or up to 23 if they're studying full-time, and a parent or guardian has to buy the policy on their behalf.
Is there a limit on trip length?
Yes. Each journey is capped at 60 consecutive days, with no option to extend once you've already left home. There's also no annual multi-trip version of this plan; every policy covers one journey at a time.
Can I add Covid-19 protection?
Yes, as an optional add-on on either tier, covering trip cancellation, medical expenses, hospital allowance and a death benefit tied to Covid-19. A claim needs an approved vaccination behind it, unless you're medically exempt or under 18.
How do I file a claim?
- Notify Zurich within 24 hours of the incident.
- Get the claim in within 30 days, starting online at mya.zurich.com.my/Myclaims for Insurance or egms.zurich.com.my/claims for Takaful.
- Send the original supporting documents to Zurich General Insurance Malaysia Berhad / Zurich General Takaful Malaysia Berhad, Attn: General Claims Department – AHWC, Level 23A, Mercu 3, No. 3, Jalan Bangsar, KL Eco City, 59200 Kuala Lumpur.
Who do I contact in an emergency?
Europ Assistance Services (Malaysia) Sdn Bhd runs the 24-hour helpline at +603 7841 5630 for evacuation, repatriation or any urgent assistance during your trip.
What documents does a claim need?
For travel inconveniences:
- Documentation from the travel agency or common carrier confirming the disruption;
- Boarding pass or passport copy where relevant;
- Original scheduled itinerary;
- Written confirmation of cancellation and any refund;
- Proof of deposits or advance payments made
For personal accident:
- Injury or disablement: Original medical bills, a medical or specialist report, medical certificate, and a police report where applicable.
- Fatal claims: Death certificate, post-mortem report, police report, beneficiary IC, and marriage or birth certificate
For personal effects:
- A Property Irregularity Report or letter from the carrier or hotel;
- Original purchase receipts; repair invoice if the item was fixed;
- Police report listing the items lost;
- Photos showing the damage;
- Receipts for any replacement items bought
For accident or illness:
- Police report and any news coverage, if relevant;
- Medical report from the attending doctor in Malaysia;
- Nominee or claimant IC with proof of relationship;
- Death certificate and autopsy report for fatal claims;
- Lab or imaging reports;
- Specialist report for permanent disablement
What are the premiums?
The premiums are per insured person under Individual cover, or the total premium under Individual & Spouse or Family cover. Domestic pricing has no area system since it's Malaysia-only, and there's no Annual Trip row since the product doesn't offer annual cover.
Z-Travel Insurance (Domestic) — Basic Plan
Z-Travel Insurance (Domestic) — VIP Plan
Check out the following documents for more details:
