Travel Insurance

It's natural for anyone to be concerned if their family, loved ones or themselves intend to study in a foreign land for a long duration away from home. With AIG's Student Assist, there is a comprehensive travel insurance that covers all your concerns from Medical benefits, Evacuation & Repatriation, Personal Accident, Travel benefits and many more.

Among the common features highly valued are:

FAQ

1. What is this product about?

This policy provides compensation for students studying overseas in the event of injuries, disability or death caused solely by violent, accidental, external and visible events, emergency evacuation and repatriation, travel inconvenience benefits, study interruption due to unforeseen circumstances arise such as death of parent or guardian who is financing your study.

You will have immediate access to 24-hour worldwide assistance in case of an emergency situation when you are abroad.

This cover can be purchased by a student who will be studying overseas at a registered and accredited educational institution for higher learning.

2. What are the covers / benefits provided?

Please refer to the schedule of benefits in the brochure.

Duration of cover ranges from 6 months, 1 year to 3 years selection.

You need to renew your annual insurance cover annually.

3. How much premium do I have to pay?

(a) Please refer to the premium table in the brochure.
(b) Premium is payable based on period of study
(c) Payment can be made cash, cheque or credit card

4. What are the fees and charges that I have to pay?

Commission is payable up to maximum of twenty five percent and stamp duty of ten malaysian ringgit per policy.

5. What are some of the key terms and conditions that I should be aware of?

(a) Importance of disclosure:

- You must take reasonable care to ensure that all your answers to the questions are full, complete, correct and honest and to the best of your knowledge.
- You also have a duty to inform AIG Malaysia of any change in the information given to us earlier before we issue the policy schedule to you, before you renew or change any of the terms of your policy.
- If you don’t, your policy may be cancelled, or treated as if it never existed, or your claim rejected or not fully paid.

(b) Claims:

(i) All claims must be notified to us within 30 days from the date of loss.
(ii) All supporting documents proving the loss must be submitted 60 days from
the date of loss.
(iii) No claim will be admissible if notified after one year from the date of loss.
(iv) All claims save for medical benefits, evacuation & repatriation benefits,
personal liability benefits (hereinafter referred to as “Other Benefits”) will be
paid to you. Claims in relation to Other Benefits will be paid directly to third
parties, for example Travel Guard, hospitals or other services providers. In
the event of death, claims will be paid to your nominee or estate.

You can only be covered under one policy in respect of this insurance.

(d) Age:

(i) You must be between the ages of 15 and 45.

(ii) In the event you are below the age of 18, your parent or guardian shall be the
policyholder of this policy.
(iii) Your age will be based on the age as at your last birthday.

(e) Renewal:

You may renew your policy with the consent from AIG from term to term by payment of the premium in advance.

(f) Coverage:

Coverage shall commence 12 hours prior to departure from Malaysia and expires on the earliest:
(i) upon the expiry of the period of insurance; or
(ii) 12 hours from time of arrival in Malaysia unless Malaysia is a point of transit
subject to a maximum period of 6 months from the date studies are
completed; or
(iii) the date when an emergency medical evacuation or repatriation of mortal remains is made back to Malaysia.

6. What are the major exclusions under this policy?

This policy does not cover death or injury caused by or to :

(a) Members of the armed forces, professional sportsmen, while carrying firearms provided that is required by the occupation and legal
(b) Engaging in manual works, offshore activities like diving and oil-rigging or mining or handling explosives.
(c) Suicide or intentional self inflicted injuries or an attempt to do so while being sane or insane.
(d) During air travel unless as a fare paying passenger in a licensed private or
commercial aircraft.
(e) Violation of law and any payment that would violate any government prohibition or regulation.
(f) Intoxication or drug related accident.
(g) Mental or nervous disorders.
(h) Medical or physical abnormalities existing at birth including neo natal physical abnormalities developing 6 months from birth, hernias and epilepsy unless caused by trauma.
(i) Condition where you have reasonable knowledge of in the 90 days prior to your policy effective date:
- had received or is receiving treatment; or
- medical advise, treatment care or diagnosis has been recommended; or
- symptoms are or were evident; or
- the condition is apparent.
(j) Acquired Immune Deficient Syndrome (AIDS), Human Immune Deficiency Virus (HIV).
(k) Driving or riding in a motorized vehicle in any type of race.
(l) Nuclear, chemical or biological materials
(m) War
(n) Cover or service for: -
- Any loss, injury, damage or legal liability arising directly or indirectly from planned or actual travel in, to or through Cuba, Iran, Syria, North Korea, or the Crimea region; and
- Any loss, injury, damage or legal liability suffered or sustained directly or indirectly by yourself if you are a terrorist, a member of a terrorist organisation, a narcotics or a purveyor of nuclear, chemical or biological weapons.
(o) The Insurer shall not be deemed to provide cover and the Insurer shall not be liable to pay any claim or provide any benefit hereunder to the extent that provision of such cover, payment of such claim or provision of such benefit would expose the Insurer, its parent company or its ultimate controlling entity to any sanction, prohibition, or restriction under United Nations resolutions or the trade or economic sanctions, laws, or regulations of the European Union or the United States of America

Note: This list is non-exhaustive. Please refer to the policy for the full list of exclusions.

7. Can I cancel my policy?

(a) You may cancel your policy by giving us 30 days written notice by the way of A.R. registered mail.
(b) We can cancel this policy with effect from the 1st day of the calendar month. Your cover will continue for the duration that the premium has been paid for.
(c) You will be entitled to a refund of the premium on a pro-rata basis for the unexpired period of coverage.

8. What do I need to do if there are changes to my contact / personal details?

It is important that you inform us of any change in your life profile including your occupation which would affect the risk profile.

At your convenience, you can now do the following updates online here:
1. Mailing Address
2. Email Address
3. Contact Number

9. Where can I get further information?

Should you require additional information about this policy, please refer to the insuranceinfo booklet on “Personal Accident Insurance”, available at all our branches or you can obtain a copy from the insurance agent or you may obtain a copy from the insurance agent

If you have any enquiries, please contact us at :
AIG Malaysia Insurance Berhad
Menara Worldwide,
No. 198, Jalan Bukit Bintang
55100 Kuala Lumpur.
Tel : 1 800 8888 11
E-mail : AIGMYCare@aig.com

10. Other related FAQ

View the list of Student Assist FAQs.

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