InsuranceOnline.myYour Trusted Malaysia Insurance Services Provider

You can always get a single one-way trip travel insurance by purchasing the 1-5 days package to any of the regions which you will be traveling to. Note that you must be departing from Malaysia to be eligible for the coverage and that the destination countries are not part of the excluded countries.

This means you will only be covered for the first 5 days of your travel. During this period, all the benefits that are stated in the policy schedule are applicable. However, on the 6th day onwards, all benefits will cease and you are advised to get coverage at the country you are residing in.

After you’ve meticulously planned your trip to Malaysia, you realized that you’ve forgotten to ‘pack’ along your travel insurance. And you are now already in Malaysia, hoping that you don’t get into any trouble that would require you to pay a visit to the local doctors here.

Well, worry no more because you can now easily sign up for a domestic travel insurance plan here in Malaysia that allows you to enjoy medical insurance coverage and travel inconveniences benefits. Click here to view the rates and schedule of benefits of a domestic travel insurance within Malaysia destinations.

However, if you are going to be traveling between West Malaysia and East Malaysia (Sabah & Sarawak), please choose the Region 1 Travel Insurance Plans.

If you are a foreign traveler (non-Malaysian) where you will be flying off from Malaysia to any destinations worldwide, you are eligible to buy the travel insurance by choosing any of the Regions as listed here. Please note that you must ensure that you will be returning back to Malaysia. Otherwise, your coverage will only be considered a one-way single trip coverage.

As for expatriates who are living in Malaysia, you can always purchase travel insurance long as your departing destination is Malaysia. You don’t necessarily need to return to Malaysia to be eligible for the coverage, for instance, if you are going on a one-way trip out of Malaysia, and would only want to cover for the travel inconveniences during your departure from Malaysia.

1. Q: What is the InsuranceOnline.my’s Travel Plan?
InsuranceOnline.my’s Travel Plan is a comprehensive travel insurance plan for local and overseas travel whether for business or leisure purpose.

2. Q: Who can purchase InsuranceOnline.my’s Travel Plan?
Locals or foreigners are eligible. In respect of overseas travel, the departure must be from Malaysia.

3. Q: What is the age limit for me to purchase InsuranceOnline.my’s Travel Plan?
a) ages of nine (9) days and above for short term local and overseas travel ;
b) ages of eighteen (18) to seventy (70), with policy renewal up to the age of eighty (80) for the annual overseas travel.
All ages referred to in this policy shall be the age as at the last birthday.

4. Q: When is the coverage for InsuranceOnline.my’s Travel policy effective?
a) Coverage for overseas travel shall commence 12 hours prior to your departure from Malaysia
b) Coverage for local travel shall commence upon the departure from your place of residence or stay in Malaysia (if different from the place of residence); whichever is later
For travel cancellation, unless due to an Accident, the insurance commences 24 hours from the date of purchase of the policy and terminates upon the commencement of travel.

5. Q: What is the maximum coverage period for each trip?
Domestic Trip Plan : shall refer to a policy for local travel up to maximum of sixty (60) consecutive days upon your departure from your residence or stay in Malaysia.

Per Trip Plan : shall refer to a policy for overseas travel up to a maximum of two hundred and ten days (210) consecutive days from the time of departure from Malaysia.

Annual Plan : shall refer to a policy for overseas travel up to a maximum of one hundred consecutive (100) days from the time of departure from Malaysia.

6. Q: I am holding a one-way ticket. Can I purchase InsuranceOnline.my’s Travel Plan?
Yes. For one way travel, cover terminates five (5) days upon your arrival overseas.

7. Q: Can I buy more than one InsuranceOnline.my’s Travel Plan policy for the same trip?
You can only purchase one (1) insurance cover for each trip.

8. Q: Will I be covered for an illness that I am already suffering from or have suffered in the past?
No. We do not cover any pre-existing conditions i.e. any illnesses or injury for which
(a) you have received or are receiving treatment; or
(b) medical advice, diagnosis, care or treatment has been recommended to you; or
(c) clear and distinct symptoms are or were evident; or
(d) the existence would have been apparent to a reasonable person in the circumstances.
occurring within ninety (90) days period prior to the policy effective date.

9. Q: Can I continue my medical treatment in Malaysia for injuries sustained overseas?
Yes. You will be reimbursed for the Medically Necessary Expenses incurred up to the number of days specified in the Schedule of Benefit provided that you seek treatment within 7 days from the date of return to Malaysia.

10. Q: If I was ill overseas but did not seek medical treatment, can I do so upon returning to Malaysia?
Yes. You will be reimbursed for the Medically Necessary Expenses incurred up to the number of days specified in the Schedule of Benefit provided that you seek treatment within 7 days from the date of return to Malaysia.

11. Q: I am pregnant, am I covered for any pregnancy-related matters?
This policy only covers miscarriage due to an Accidental Injury during the trip, which is not attributed to any natural causes and/or sickness relating to pregnancy or childbirth.

12. Q: Are dental expenses covered?
Dental expenses are covered as long as they are direct consequences of an Accident.

13. Q: I am not able to travel because my employer has cancelled my leave. Am I covered for travel cancellation?
No.
The trip cancellation benefit is only applicable for reasons indicated in the policy wording which includes, but are not limited to, unforeseen emergencies such as illness, injury or death involving you, your travel companion and/or an immediate family member.

14. Q: I need to cut-short my trip because my father is hospitalized in Malaysia. What am I covered for?
If you need to disrupt your trip and return to Malaysia due to covered reasons due to illness, injury or death involving you, your travel companion and/or an immediate family member;
We shall reimburse the :
• cost of travel and/or accommodation expenses incurred; and
• unused and non refundable part of the trip paid in advance.

15. Q: If my belongings are stolen as I left outside on a bench while I am in a queue to check in, can I claim?
No, because the property was left unattended.
The policy coverage requires you to take all reasonable care and precaution to safeguard your property.

16. Q: What if my trip is cancelled due to a strike/riot happening at my planned destination?
If the unexpected outbreak of Strike, Civil Unrest, Riot, Commotion occurring within fourteen (14) days prior to commencement of Trip, the company shall reimburse you the cost of travel and/or accommodation expenses. However, the policy needs to be purchased before the occurrence of such strike/riot.
Strike, Civil Unrest, Riot or Commotion in connection with a demand by any faction or group to have sovereign rights or control over an area of governance or people are not covered.

17. Q: What should I do if I lose money whilst aboard?
You must report to local police within 24 hours after the incident.

18. Q: Will I be covered if my belongings are pick-pocketed while traveling overseas?
Yes.

19. Q: Are activities such as winter sports & scuba diving covered?
All leisure sports are covered at no extra premium as long as it does not involve engaging, practicing or participating in any sport in a professional capacity or where income or remuneration can be earned from engaging in such a sport.

20. Q: How do I cancel my policy and get a refund of the premium?
No refund of premiums will be allowed once the policy is issued.

(BUSINESS TIMES) For years, the country’s easternmost international gateway has been a transit or stopover point for flights from Kuala Lumpur enroute to North Asia and Australia. However, it saw its course change when low-cost carrier AirAsia announced the decision to make Kota Kinabalu its second hub in the country after Kuala Lumpur in January this year.

In August, two months before it took delivery of its new next-generation 737-800 single-aisle planes, Malaysia Airlines (MAS) also said it had chosen to designate Kota Kinabalu as its second hub for connecting its passengers to Japan and other cities in Asia.

And as recently as Tuesday, Firefly said it will operate its newly leased fleet of 737-800s from the KL International Airport in Sepang to Kota Kinabalu as well as Kuching in Sarawak. Suddenly, Kota Kinabalu seems to be very much on the airlines’ radar.

But was it suddenly?

It is understood that AirAsia and MAS discovered the lucrativeness of the market as early as four years ago when they underwent the domestic air routes rationalisation plan, a confusing period which saw AirAsia taking over, ever so briefly, from the national carrier’s operations in the rural areas in Sabah and Sarawak.

Nexus Resort Karambunai

A study was also commissioned by MAS, which led to it placing an order for the next-generation 737-800s. Still, it had to wait until this month for the first such aircraft to be delivered.

To understand why Kota Kinabalu is so important to these airlines, start with the fact that tourist numbers to the state have been steadily growing. Last year, arrival numbers totalled 2.25 million – an increase of 80 per cent over 2003 when 1.25 million tourist arrivals were recorded.

Holiday makers from China, Hong Kong, Japan, Taiwan, South Korea and Australia continued to top the foreign arrivals list last year along with the UK and the US.

They like its pristine beaches, rainforests and diverse native culture. It is also home to the highest mountain in Southeast Asia and boasts beautiful resorts like Nexus Resort Karambunai, Sutera Harbour, and Shangri-La’s Tanjung Aru and Rasa Ria Resort in Tuaran.

Sutera Harbour Resort

Additionally, Sabah has a sizeable Chinese-speaking resident population which helps in attracting tourists from China, Hong Kong and Taiwan.

Of course, it also helps to have an aggressive and proactive tourism body like Sabah Tourism Board, which constantly comes up with aggressive promotional efforts and attractive packages to entice tourists.

Kota Kinabalu is also uniquely positioned: the capital is less than three hours by flight away from most of the Asean capitals and just over five hours’ flight time to regional capitals such as Tokyo, Seoul and Perth.

Thus, it makes sense for AirAsia, MAS and Firefly to focus on Kota Kinabalu to bolster their fortunes, analysts said, adding new flights and competing to launch new services from the capital to major cities in the region.

But has MAS and Firefly lost out on a big economic opportunity for coming into the market later? Analysts think that it is no big deal. They believe the market there is big enough for all.

As for AirAsia, its chief Datuk Seri Tony Fernandes has shrugged off concerns over the oncoming competition from MAS and Firefly and stressed that it is the world leader when it comes to low cost.

One thing’s for sure, as competition hots up on Kota Kinabalu routes, the traveller with more choices and better prices is perhaps the biggest winner. The three airlines’ aggressive expansion at Kota Kinabalu means more access for Kota Kinabalu-originating passengers to their entire network, particularly to eastern cities such as in Japan, Taiwan, China and South Korea.

The state will be far more interconnected, leading to better and more affordable products, creating rising prosperity and higher living standards among its people.

The Malaysia Airlines Global Sales is back with great offers to domestic and international destinations from Nov 8 to 15.

Promising to offer something for everyone, the sale will kick off with a pre-sale for Enrich members on Nov 7. Pre-sale tickets are only available at Malaysia Airlines tickets offices and call centre.

In a statement today, Malaysia Airlines Executive vice president Datuk Bernard Francis said the Global Sale this time round covered all travel segments ranging from business to economy passengers.

“For the first time, the sale also includes destinations some of our codeshare partners fly to. This is an excellent opportunity for travellers to take advantage of our vast network connections to travel around the world.

“At the same time, we are rewarding our Enrich members with an exclusive preview a day earlier than the general public,” he said.

Business class passengers can enjoy fares from RM799 to Bangkok, Hanoi and Manila, RM999 to Taipei and Xiamen, RM3,999 to Melbourne, Sydney and Brisbane and RM2,199 to both Dubai and Jeddah.

Travel to London and Paris on business class from RM5,999 and RM7,999 to Los Angeles and Buenos Aires.

“If you are looking for a getaway closer to home, look out for business class offers from RM299 to Penang and Langkawi, RM519 to Kuching and RM639 to Kota Kinabalu,” Malaysia Airlines said.

Those travelling on Economy class can fly to Asean destinations such as Jakarta and Bandung from only RM199 and RM339 to Bali, while fares from RM349 to Hong Kong, RM599 to Maldives and RM889 to Tokyo.

“Take advantage of the lower Euro by planning your European getaway with fares from RM1,599 to London, Frankfurt, Paris, Rome and RM1,699 to Amsterdam,” it said.

For the first time, travellers can enjoy discounted fares to Malaysia Airlines’ codeshare destinations under its partnerships with British Midlands (bmi), Alitalia and KLM.

“Fancy a trip to Old Trafford stadium? Fares are now available from RM1,899 to Manchester via London with bmi.

“Explore Barcelona, Madrid and Athens via Frankfurt from only RM1,999 with Alitalia. Check out Brussels at RM2,099 and Oslo at RM2,199 via Amsterdam with KLM,” it said.

“With flexible travelling periods from 8 December 2010 to 30 September 2011 as well as competitive fares, it’s the perfect time to plan your holiday in advance,” Bernard said.

Fares quoted are for one way travel. Tickets are available at Malaysia Airlines’ ticket offices, call centre, selected travel agents and online at www.malaysiaairlines.com. — Bernama