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What is No Claim Discount (NCD)?
The No Claim Discount (NCD) is a reward scheme received by motor policy holders for not making a claim during the preceding 12 months.
How much of No Claim Discount (NCD) am I entitled to?
Consumers are eligible for NCD ranging from 0% to 55% of the premium payable depending on the type of vehicle, coverage and number of years claim not intimated. For a private car, the scale of NCD ranges from 0% to 55% as provided in the policy/certificate whereas for motorcycles and commercial vehicles, it ranges from 0% to 25%.
Find out the current insurer for your vehicle, type of coverage, policy period and policy number by entering your details
ACPG Insurance Business since Year 1989
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AXA Travel Insurance Single Trip Quote Online or Enquiry Online
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Isn't it frustrating when your flights get delayed? Or when your luggage gets lost in transit? SmartTraveller has you covered for any unfortunate events on your overseas trips, including accidents or illnesses while you are travelling.
Key benefits explainedPays for your medical and hospital expenses incurred overseas due to accident or illness during your travels up to RM300,000
Upon receipt of full documents, AXA will revert with claim decision within 5 working days
Buy travel insurance at least 14 days before your trip, and we will compensate you for irrecoverable travel and accommodation expenses as a result of trip cancellation due to serious injury or illness to you or your immediate family.
Unlimited coverage for emergency transportation and medical care to the nearest hospital
Get protection for a single trip or save more with an annual plan that covers unlimited number of trips in a year
Get your travel insurance online 24/7 before departure
What we do not cover
1. Any existing medical conditions or those which occurred before the policy
2. Any treatment related to pregnancy
3. Travels against medical advice, or for the purpose of obtaining treatment
For the full list of Benefits and Exclusions, kindly refer to our Policy Wordings, available for download below.
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AXA SmartTraveller provides a number of benefits including the following:
- Personal Accident
- Medical Expenses
- Travel Inconvenience such as travel delay, baggage delay, etc.
Please check out our Summary Benefits for more details
I have questions regarding the benefits / coverage of your travel insurance plan
You can check out our Summary Benefits . You can also contact our 24 hours hotline at +603 - 2142 0399.
What happens if I have a medical emergency overseas?
If you have a medical emergency overseas, you can visit the doctors for treatment and claim it back when you return to Malaysia. Do note that you have to provide all official receipts and doctor’s letter for your claims. If you need any urgent assistance, you can contact our 24 hours hotline at +603 - 2142 0399.
Can I buy travel insurance if I use overland transport to Singapore or Southern Thailand?
Yes. However, you are not entitled to claim flight related benefits.
Do you cover for domestic? For example, flying from Kuala Lumpur to Kota Kinabalu?
Yes, we do have SmartTraveller Domestic.
Do you cover winter sports (i.e. skiing), hiking, trekking and scuba diving?
Yes, we do cover winter sports, scuba diving and hiking/trekking in remote areas if accompanied with licensed guides (no height limit), subject to policy conditions and exclusions.
Do you cover for car rental excess?
Yes, we do cover for car rental excess under VIP and annual plans (Car rental excess requires that you hire a car and it gets damaged or stolen) The 'Excess' (also known as the 'Deductible') is the amount of money you have to pay under a car rental contract as a result of loss or damage to the rented car arising from an accident.
Do you cover home contents during the travel period?
Yes, we do cover for home contents under our VIP and annual plans.
Does your travel insurance cover pregnant women?
Yes, we do. But we do not cover claims arising from pregnancy including childbirth caesarean operation, abortion, miscarriage and all related complications except miscarriage due to bodily injury as a direct result of an accident.
If I cancel my trip, do I get my money back?
Trip cancellation coverage is available only on our VIP and annual plans, provided that you purchase your travel insurance at least 14 days before your trip. We will pay for your pre-paid irrecoverable fees if you have to cancel your trip due to incidents such as;
- Your death, Serious Injury or Serious Illness or the death, Serious Injury or Serious Illness of Your Immediate Family Member
- Unexpected outbreak of strike, riot or civil commotion
- Witness summons
- Serious damage to your residence.
Do note that you have to first get a refund from the relevant parties before claiming from us, and we will pay for the outstanding amount.
How do I file for a claim?
Please visit our claim page at https://www.axa.com.my/claims, where we have detailed our process and listed out the documents required to help you make your claims. You can:
- Contact our claims hotline at (+603) 2170 8282 (Press 2 for Claims)
- Email to claims@axa.com.my (Operating Hours - Mon to Fri: 8.30am to 5.30pm, Excluding public holidays)
- Download the MyAXA Claims Malaysia app via Google Play Store and Apple AppStore to notify us of your claims.
How do I claim for my medical bills when I get sick during my travel?
You can first pay for your medical bills when you are overseas and make your claims when you return to Malaysia. Do note that you will need the official doctor letter and receipt to make your claims.
What do I do if my luggage is delayed by the transport provider?
We will pay if your checked-in baggage is delayed for each full 6 consecutive hours (RM200 for every 6 hours) upon arrival at your destination abroad. Make sure you get a written report from the transport provider confirming the delaying and how long it was for. Details of the limits of your cover can be found in the combined PDS you received with your policy documents.
How long will it take for me to receive my claims?
Upon receipt of full documents, we will revert with claim decision within 5 working days. Once claims is approved, payment will be made within 3 working days.
What documents will I need when submitting my claims?
This depends on the nature of your claims, visit https://www.axa.com.my/claims for more information. You can also find the details at MyAXA Claims Malaysia app via Google Play Store and Apple AppStore
We plan our holiday’s months in advance, buying the necessary clothes, booking the hotels, tickets and the places we want to go. However did you plan for emergencies?
While holidays are fun there are always the possibilities of unexpected incidents. You’re in an unfamiliar place and when something unexpected happens you would be lost on where to go or how to solve it. The question of cost also arises as you had not planned for anything extra.
That’s why you need to have travel insurance. You’ll have a worry free holiday as you know that if something happens, Travel Insurance Package underwritten by Malaysia Insurance company and arranged by ACPG will be there to take care of you and your family, 24 hours a day, 7 days a week, 52 weeks a year.
603-2142 0399
- 24-Hour Hotline
- Medical Referral
- Emergency Medical Evacuation
- Repatriation
- Letter of Guarantee for Hospital Admission
- Claims Handling
- Calls will be on reverse charge.
Table of benefit
|
SUMMARY OF BENEFIT |
SUM INSURED / LIMIT OF LIABILITY (RM) |
|||
| INDIVIDUAL PLAN | FAMILY PLAN | |||
| PLATINUM PLAN | GOLD PLAN | |||
| 1. PERSONAL ACCIDENT | ||||
|
Accidental death
Permanent total disablement Loss of one limb or loss of sight of one or both eyes |
Adult
Child
Maximum payable per Family |
500,000
500,000 500,000 250,000
N/A |
250,000
250,000 250,000 125,000
N/A |
500,000
75,000 500,000 250,000
1,500,000 |
| 2. CHILD EDUCATION FUND | ||||
| Pays as a result of Accidental Death of Insured who has any Children for their education fund | Maximum payable per Family | 20,000 | 10,000 | 20,000 |
| 3. MEDICAL & OTHER NECESSARY EXPENSES | ||||
| (A) Medical Expenses Reimburses expenses (including cost of emergency dental treatment) incurred during accident or sickness |
Adult/Child
Maximum payable per Family |
300,000
N/A |
200,000
N/A |
300,000
900,000 |
|
(B) Alternative Medicine Treatment
Reimburses medical expenses for medical treatment by
registered traditional medicine practitioner, osteopath, physiotherapist
and/or chiropractor |
Adult/Child Maximum payable per Family |
1,000
N/A |
500
N/A |
1,000
3,000 |
| Subject to Section 3A – Medical Expenses limit | ||||
|
(C) Compassionate Visitation Benefit
Pays for additional expenses of one relative or
friend required on medical advice to travel or remain behind with the Insured
In the event of the Insured’s death whilst on the trip,
reimburses for travel and accommodation expenses for one relative or
friend to assist in the burial or cremation arrangements in the locality
where death occurs |
Adult/Child Maximum payable per Family |
8,000
N/A |
5,000
N/A |
8,000
24,000 |
| Subject to Section 3A – Medical Expenses limit | ||||
| (D) Child Care Benefit Pays for additional expenses of one relative or friend to take care of the Insured’s children whilst the Insured is hospitalized and the cost of a return trip economy class ticket |
Per Day
Per Event |
500
8,000 |
500
5,000 |
500
8,000 |
| Subject to Section 3A – Medical Expenses limit | ||||
|
(E) Follow-Up Medical Treatment in Malaysia
Reimburses for follow-up treatment within 90 days upon return to Malaysia |
Adult/Child Maximum payable per Family |
30,000
N/A |
20,000
N/A |
30,000 90,000 |
| Subject to Section 3A – Medical Expenses limit | ||||
| 4. HOSPITAL ALLOWANCE | ||||
| Pays for each complete day the insured is confined in a hospital on top of medical costs incurred (RM350 per day) | Adult/Child Maximum payable per Family |
21,000
N/A |
10,500
N/A |
21,000
63,000 |
| 5. QUARANTINED COVER AS A RESULT OF PANDEMIC INFLUENZA | ||||
| Pays for each full day the Insured is quarantined (RM200 per day) | Adult/Child Maximum payable per Family |
3,000 N/A |
2,000 N/A |
3,000 9,000 |
| 6. EMERGENCY MEDICAL EVACUATION & REPATRIATION | ||||
| (A) Emergency Medical Evacuation Emergency transportation and medical care en route to move the Insured (in a medical critical condition) to the nearest hospital |
Per Event |
Unlimited |
Unlimited |
Unlimited |
| B) Emergency Medical Repatriation In an event that the Insured is hospitalized abroad and it is medically necessary for the Insured to be repatriated back to Malaysia to continue treatment, we will pay in respect of reasonable and necessary repatriation costs including the reasonable transportation costs of one qualified medical attendant accompanying the Insured. |
Per Event |
Unlimited |
Unlimited |
Unlimited |
| (C) Repatriation of Mortal Remains Pays for the cost of burial or cremation in the locality where death occurs or the expenses of transporting the mortal remains back to Malaysia |
Per Event |
Unlimited |
Unlimited |
Unlimited |
| TRAVEL INCONVENIENCES | ||||
| 7. BAGGAGE AND PERSONAL EFFECTS | ||||
| Reimburses for loss of or damage to the Insured’s baggage, including articles worn or carried (up to RM500 for any one article or pair or set of articles) | Adult/Child Maximum payable per Family |
7,500
N/A |
5,000
N/A |
7,500
22,500 |
| 8. PERSONAL MONEY & DOCUMENTS | ||||
| Reimburses for travel and accommodation expenses including cost of obtaining replacement passports, travel tickets and other relevant travel documents. Loss of money due to theft is covered up to RM800 | Adult/Child Maximum payable per Family |
7,500 N/A |
5,000 N/A |
7,500 22,500 |
| 9. BAGGAGE DELAY | ||||
| Pays if the Insured checked-in baggage is delayed for each full 6 consecutive hours (RM200 for every 6 hours) upon arrival at the Insured’s destination abroad | Adult/Child Maximum payable per Family |
1,600 N/A |
800 N/A |
800
2,400 |
| 10. TRAVEL DELAY | ||||
|
Pays if the conveyance is delayed from the
scheduled departure time for each full 6 consecutive hours delay (RM200 for first 6 hours delay and RM300 for every 6 consecutive hours thereafter) Cancellation due to the delay Reimburses for irrecoverable deposits/charges paid for the cancelled parts of the trip |
Adult/Child
Maximum payable per Family Adult/Child
Maximum payable per Family |
3,200
N/A 500 N/A |
2,000
N/A 500 N/A |
3,800
11,400 500
1,500 |
| 11. LOSS OF DEPOSIT OR CANCELLATION | ||||
| Reimburses for irrecoverable travel and accommodation expenses paid in advance |
Adult/Child Maximum payable per Family |
20,000
N/A |
20,000
N/A |
20,000
60,000 |
| 12. TRAVEL CURTAILMENT | ||||
| Reimburses for proportional return of irrecoverable prepaid costs incurred, if it is necessary & unavoidable to curtail the Insured’s trip | Adult/Child Maximum payable per Family |
20,000 N/A |
20,000 N/A |
20,000 60,000 |
| 13. TRAVEL OVERBOOKED | ||||
| Pays due to overbooked common carrier (by air only) and no alternative transportation is made available to the Insured within 6 hours of the scheduled departure time. | Adult/Child Maximum payable per Family |
400 N/A |
200 N/A |
400
1,200 |
| 14. TRAVEL MISCONNECTION | ||||
| Pays due to common carrier (by air only) misconnection and no alternative transportation is made available to the Insured within 4 hours |
Adult/Child Maximum payable per Family |
500 N/A |
300 N/A |
500
1,500 |
| 15. HIJACKING INCONVENIENCE | ||||
| Pays for each full 24 consecutive hours of hijack (RM1,000/ 24 hours) | Adult/Child Maximum payable per Family |
10,000 N/A |
10,000 N/A |
10,000 30,000 |
| 16. MISSED DEPARTURE | ||||
| Reimburses for additional accommodation and travel expenses necessarily and reasonably incurred in returning to Malaysia, as a result of mechanical breakdown of public transport services, to get the Insured to the departure port, airport or train station, as stated in the Insured’s ticket | Adult/Child Maximum payable per Family |
2,000 N/A |
1,000 N/A |
2,000 6,000 |
| 17. TRAVEL RE-ROUTE | ||||
| Pays if the arrival of the scheduled public conveyance is delayed for at least 6 hours due to re-routing | Adult/Child Maximum payable per Family |
500 N/A |
250 N/A |
500 1,500 |
| 18. LOSS OF DEPOSIT OR FULL PAYMENT DUE TO INSOLVENCY OF AIRLINES | ||||
| In the event that before or on the departure date of the Insured’s booked trip, the Airline from where the Insured purchased his/her air tickets has absconded or is declared insolvent, we will reimburse the Insured for the loss of irrecoverable full payment paid for the air tickets | Adult/Child Maximum payable per Family |
20,000
N/A |
10,000 N/A |
10,000
30,000 |
| 19. LOSS OF CREDIT CARD | ||||
| Pays for fraudulent usage of the Insured’s credit card | Adult/Child Maximum payable per Family |
10,000
N/A |
5,000
N/A |
10,000
30,000 |
| 20. PERSONAL LIABILITY | ||||
| Indemnifies the Insured for legal liability towards third parties or damage to their property due to the Insured’s negligence | Adult/Child Maximum payable per Family |
1 million
N/A |
1 million N/A |
1 million
3 million |
| 21. HOME CARE BENEFIT | ||||
| Pays for damages to the Insured’s home contents as a result of burglary or fire when the Insured’s house is left vacant while he/she is travelling | Adult/Child Maximum payable per Family |
5,000
N/A |
5,000 N/A |
5,000
15,000 |
| 22. RENTAL CAR EXCESS COVER | ||||
| Reimburses for any excess/deductible which the Insured become legally liable to pay in respect of loss or damage to rental car during the rental period | Adult/Child Maximum payable per Family |
1,000 N/A |
1,000 N/A |
1,000
3,000 |
| 23. RANSOM PAYMENT AS A RESULT OF KIDNAPPING AND HOSTAGE | ||||
| Pays for the ransom payment as a result of kidnapping and hostage outside Malaysia |
Adult/Child Maximum payable per Family |
200,000
N/A |
100,000
N/A |
100,000
300,000 |
| 24. REPLACEMENT TRAVELLER | ||||
| Reimburses administrative costs incurred to replace a travel companion due to the Insured’s hospitalization within 7 days before the commencement of the trip | Adult/Child Maximum payable per Family |
5,000
N/A |
3,000
N/A |
5,000
15,000 |
| 25. GOLF EQUIPMENT COVER | ||||
| Maximum RM200 for any one article or pair or set of articles in the event of loss or damage to the Golf Equipment owned by the Insured in a public place | Per Trip | 5,000 | 2,000 | 5,000 |
Table of premium
|
TYPES OF PLAN |
AREA 1 (RM) | AREA 2 (RM) | AREA 3 (RM) | |
|
Individual Plan |
Platinum | 290 | 338 | 398 |
| Gold | 220 | 260 | 320 | |
| Family Plan | 599 | 725 | 820 | |
Area 1: Australia, Brunei, Cambodia, China (excluding Mongolia, Nepal & Tibet), Hong Kong, Macau, India, Indonesia, Japan, South Korea, Laos, New Zealand, Pakistan, Philippines, Singapore, Sri Lanka,Taiwan, Thailand, Vietnam and within Malaysia.
Area 2: Worldwide excluding USA, Canada, Iran, Syria, Belarus, Burma/Myanmar, Cuba, Democratic Republic of Congo, North Korea, Somalia, Sudan, Zimbabwe.
Area 3: Worldwide excluding Iran, Syria, Belarus, Burma/Myanmar, Cuba, Democratic Republic of Congo, North Korea, Somalia, Sudan, Zimbabwe.
Domestic travel (by flight only) within Peninsular Malaysia or East Malaysia is covered under
Section 1, 3, 4, 6, 9 to 17 and 20 to 22. Cover under Sections 3, 4 and 6 is only applicable in the event of an accident.
- Special Coverage
Terrorism, scuba diving and winter sports are covered.
- 24-hour AXA Travel Assistance Hotline - (603) 2142 0399
Medical and emergency assistance hotline is available for you to call on reserve charge anywhere in the world - we are just a phone call away!
If you would like to know more, please email to enquiry@acpgconsultant.com or contact ACPG careline +603-92863323.
- Automatic Renewal
This policy will be automatically renewed unless notice of non-renewal is given in writing by the Insured (or the Policyholder where applicable) to the Company before the Policy’s anniversary date. No renewal notice will be issued.
- Who is eligible to apply?
All Malaysians, Permanents Residents, Employments Pass/Work Permit Holders and Dependents(s)
of Pass Holders, excluding overseas secondment & students studying overseas.
- What is the age limit?
You must be between 18 and 69 years old (both ages inclusive) to be eligible for enrolment. For family plan, a child must be between 30 days to 18 years old (both ages inclusive) or up to 23 years old, if he/she is studying full-time in a recognised institution of higher learning.
- Who is eligible to be covered under the family plan? The family plan includes you, your spouse and all your accompanying children between 30 days to 18 years old (both ages inclusive) or up to 23 years old, if he/she is
studying full-time in a recognised institution of higher learning.
- Is there a maximum period of cover?
The maximum period of cover is 95 days per trip, unlimited number of trips within the period on insurance stated in the Certificate of Insurance.
- Who is AXA Affin General Insurance Berhad?
AXA Affin General Insurance Berhad is a member of the AXA Group, with over 1,104 billion euros in assets under management and more than 95 million customers around the world. AXA is one of the world’s leading insurer. In Malaysia, it is also a member of the Affin Group, a leader in Malaysia’s financial services sector.
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