AIG Malaysia Student Studies Abroad Travel Insurance

ACPG AIG Student Assist 180427E

AIG Malaysia Student Overseas Travel Insurance
AIG Malaysia Student Studies Abroad Travel Insurance
ACPG Whatsapp Team
+6011-12239838 Whatsapp
+603-92863323
 
Student Overseas Travel
Stay protected while studying overseas until you graduate
 
Complete protection for students studying overseas, with special features that make it one of the leading student travel products in Malaysia.
 
Student Assist is an insurance plan that protects and gives you peace of mind to pursue your educational aspirations when you go overseas to study at a recognized education institution.
 
Medical & Personal Accident Cover
when studying overseas and in home country.
You’ll be reimbursed for medical expenses incurred due to accidental injury or illness sustained when studying overseas.
 
Tuition Fee Reimbursements for Study Interruptions.
We’ll reimburse you for the non-refundable portion of your tuition fees paid in advance, in the event of study interruption due for specific reasons.
 
Sponsor Protection
We provide you financial security in the event of accidental death of your sponsor (the individual who sponsors your study overseas).
 
Medical Evacuation & Repatriation Service.
Our own global assistance service
A fast and efficient 24-hour Emergency Assistance Team is available to assist you in the event of injury following an accident or if you are ill and require hospital attention abroad
 
24Hours, 7 Days Worldwide Travel Assistance
24-Hour Emergency Travel Assistance
To contact Travel Guard from anywhere in the world,
call:+60 3 2772 5600
Note : Reverse charges calls can be made from some countries.
 
AIG Malaysia Student Overseas Travel Insurance 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.
 
AIG Malaysia Student Overseas Travel Insurance Brochure for Download
 
Malaysia Insurance Services, Malaysia Medical Insurance, Malaysia JMB Insurance, Malaysia Motor Insurance
 
Malaysia Insurance Corporate Agency
ACPG Management Sdn Bhd (Insurance Biz since Year 1989)
Head Office
158-3-7, Blok 158, Kompleks Maluri,
Jalan Jejaka, Taman Maluri, Cheras,
55100 Kuala Lumpur, Malaysia.
+603-92863323, +6011-12239838, +6012-6489838
 
For more information or quotation enquiry, please contact our ACPG Whatsapp Team
 
#AIGTravelinsurance
#AIGStudentOverseasTravelinsurance
#AIGStudentStudiesAbroad
#AIGMalaysiaStudentOverseasTravelInsurance
#AIGMalaysiaStudentStudiesAbroad
#AIGMalaysiaTravelinsurance
#AIGMalaysia
#ACPG

Malaysia Student Overseas Study Abroad Travel Insurance Hotline +6011-12239838

Malaysia Student Overseas Study Abroad Travel Insurance

Hotline +6011-12239838 (Whatsapp)

Arranged By ACPG Management Sdn Bhd

+603-92863323

www.acpgconsultant.com

 

Student Overseas Travel

Stay protected while studying overseas until you graduate

Complete protection for students studying overseas, with special features that make it one of the leading student travel products in Malaysia.

 

Malaysia Student Assist is an insurance plan that protects and gives you peace of mind to pursue your educational aspirations when you go overseas to study at a recognized education institution.

 

It’s Reassuring To Know We Are There Congratulations on embarking on your studies overseas! As you explore the exciting world of education abroad, it’s the beginning of many hopes, dreams and aspirations that will be fulfilled.

Just before you set off on your journey of experience and opportunities, have you ensured that you are well protected should the unexpected affect your long-term plans?

You may worry about your studies being interrupted due to unforeseen circumstances.

Perhaps you fancy trying out some amateur sports and leisure activities while you’re away. And since you’re overseas, why not travel and see the world during your vacation?

Even when you’re back in your home country for the holidays, wouldn’t you like to enjoy it peacefully?

Don’t wait. Make the important decision to enjoy complete peace of mind during your studies abroad.

Choose to be reassured.

 

Malaysia Student Assist Benefits

Tuition Fee reimbursement for study interruption

We’ll reimburse you for the non-refundable portion of your tuition fees paid in advance, in the event of study interruption due for specific reasons.

Medical & personal accident cover

You’ll be reimbursed for medical expenses incurred due to accidental injury or illness sustained when studying overseas.

Sponsor Protection

We provide you financial security in the event of accidental death of your sponsor (the individual who sponsors your study overseas).

Our own global assistance service

A fast and efficient 24-hour Emergency Assistance Team is available to assist you in the event of injury following an accident or if you are ill and require hospital attention abroad.

 

DESCRIPTION OF COVERAGE

1.Medical & Accidental Dental Expenses You will be reimbursed for medical and dental expenses incurred which are medically necessary due to accidental injury or illness sustained during your duration of cover.

For the avoidance of doubt, dental expenses shall only be reimbursed for conditions caused by accident only.

2.Emergency Medical Evacuation/Repatriation of Mortal Remains In the event that you suffer from an illness/accident which in the opinion of Travel Guard, necessitates your emergency medical evacuation to Malaysia, Travel Guard will arrange for your evacuation and pay for reasonable expenses incurred.

In the unfortunate event of your death during your studies overseas, this plan will arrange and pay for all reasonable covered expenses incurred to return your remains to Malaysia.

3.Compassionate Visit

a) If you are hospitalized for 5 or more consecutive days and your medical condition does not allow your medical evacuation and no other adult member of your immediate family is present, this plan provides a round trip economy class air ticket, meals, communication and accommodation expenses to allow one of your immediate family members to travel to the country where you are to be with you.

b) It covers your trip back to Malaysia in the event that your parent, spouse or child in Malaysia suffers death or is hospitalized for more than 5 consecutive days.

4.Accidental Death & Permanent Disablement We provide worldwide coverage against accidental death or permanent disablement during your duration of coverage, or on vacation anywhere in the world including Malaysia up to 60 days as long as the policy is still in force.

5.Felonious Assault You will be covered in the event you suffer injury resulting in permanent total disablement or death due to robbery, attempted robbery or criminal act of violence. This is paid in addition to the accidental death and disablement coverage benefits.

6.Sponsor Protection Provides financial security to you in the event of accidental death of the individual who sponsors your study overseas (such sponsor must be your parents and/or guardians and must be named in the proposal form and certificate of insurance).

7.Study Interruption The plan will reimburse you for the non refundable tuition fee which you paid in advance, should any of the following events take place:- • Accident or sickness leading to your hospitalization for 14 days or more • Terminal illness • Emergency medical evacuation • Death of one of your immediate family members

8.Travel Delay A cash allowance will be paid if your scheduled common carrier is delayed for more than 6 consecutive hours.

9.Baggage Damage During Air Common Carrier Travel A cash allowance will be paid if your accompanying check-in baggage in an air common carrier is damaged to the extent that is no longer useable up to the amount specified in the Schedule of Benefits.

10.Damage or Loss of Personal Effects In the event of accidental loss or damage to your personal effects due to robbery, burglary, snatch theft or negligence of the common carrier, you will be indemnified for loss or damaged sustained up to the amount stated in the Schedule of Benefits.

11.Loss of Travel Documents A cash allowance will be paid in the event you lose your passport/visa due to burglary, robbery or snatch theft, for the replacement of your passport/visa, additional transport, meals, communication and accommodation expenses as a result of the loss.

12.Loss of Money Pays for loss of money due to burglary, robbery or snatch theft during your duration of coverage up to the amount specified in the Schedule of Benefits.

13.Personal Liability Covers you against your legal liability for bodily injury or property damages caused to a third party.

14.24 Hours Worldwide Travel Assistance Travel Guard shall provide the following services for the benefit of the Insured Person. These services are provided by multilingual travel assistance coordinators via telephone and such assistance provided shall not include the costs incurred to solicit these services.

A.Emergency Assistance Services

a) Medical reference

b) Advance payment of Medical Expenses

c) Emergency Medical Evacuation

d) Repatriation of Mortal Remains

B.Technical Services

a) L ost/stolen baggage and personal effects

b) Recover, locate and replacement of travel documents

c) L egal Referral

C.Pre-Trip General Services

a) Advice on procuring Travel documentation

b) Advice on immunizations, epidemics and available preventive measures

c) Information on Political/Environment warning

d) Information on currency exchange rate, location of major banks and public holidays

e) Information on weather condition The above stated travel assistance services shall be provided by Travel Guard and the Company shall use its best endeavours to ensure that Travel Guard shall use every effort to provide the services save and except for circumstances beyond its control.

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 arising 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.

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.

How much premium do I have to pay?

• Please refer to the premium table in the brochure.

• Premium is payable based on period of study.

• Payment can be made by credit card.

 

Choose Malaysia Student Assist arranged by Malaysia Medical Insurance Organisation (MMI).

Any Urgent Enquiry, Please send your Whatsapp Message to +6011-12239838 for Prompt Assistance (Monday to Friday 9.00 am to 6.00 pm).

 

Malaysia Student Overseas Study Travel Insurance Online Purchase

Hotline +6011-12239838

Arranged By

ACPG Management Sd Bhd

158-3-7, Kompleks Maluri,

Jalan Jejaka, Taman Maluri,

55100 Kuala Lumpur, Malaysia.

+603-92863323, +6011-12239838.

enquiry@acpgconsultant.com

www.acpgconsultant.com

 

A member of Malaysia Medical Insurance Organisation (MMI)

 

#AIGMalaysia

#AIGMalaysiaTravelinsurance

#AIGMalaysiaStudentAssist

#AIGMalaysiaStudentOverseasTravel

#AIGMalaysiaStudentOverseasStudy

#AIGMalaysiaStudentOverseasStudyinsurance

#AIGTravel

#AIGTravelinsurance

#AIGStudentAssist

#AIGStudentOverseasTravel

#AIGStudentOverseasStudy

#AIGStudentOverseasStudyinsurance

#ACPGManagementSdnBhd

#TravelInsurance

#OverseasTravelinsurance

 

 

 

Global Online Insurance Program USD 40,000.00 Coverage, Annual Premium Only USD 30.00.

CCV Global Online Purchase Insurance PA 170327A

Global Online Personal Accident Insurance Program
Available For Online Purchase via Visa & Master Card.
Follow this link…….go.easicircle.com/2BY2B
MMI SERVICES
MMI Global Assist Line +6011-12239838 Whatsapp, Line, Viber.
FREE View, FREE Membership….., NO hidden T&C……

GLOBAL PERSONAL ACCIDENT INSURANCE POLICY (USD)
USD 30 per year only for a protection of up to USD 40,000
Underwritten by Asia Specialty Insurance Limited, specially designed for all classes of occupation, this policy provides compensation up to USD 40,000 in the event of accidental death or permanent disablement due to accident.

It can help mitigate risk associated with working outdoors, and can safeguard your family’s financial future.

Besides covering accidents, this policy also covers funeral and repatriation expenses — ensuring your family has one less thing to worry about when the time comes. Covers funeral expenses due to accident subject to maximum of USD 800.00 only.
Covers repatriation expenses due to accident (i.e. cost of transportation of mortal remains to the insured home) subject to maximum of USD 2,000.00 only.

Check it NOW….abt
Global Online Insurance Program powered by MMI easicirle.
Follow this link
go.easicircle.com/2BY2B
MMI SERVICES

Check it out………..
Global Online Insurance Program For Personal Accident Insurance
Available Acceptance Residence Country from
Malaysia
Indonesia
Singapore
Brunei
Thailand
Philippines
Vietnam
Cambodia
Myanmar
China
India
and all others Asean country.

Find out how to Apply Global Online Insurance Program.

Invitation by
Anthony Chin
MMI Chairman
Malaysia Medical Insurance Organization (MMI)
http://www.medicalinsurance.com.my

MSIG Malaysia Travel Insurance Plan Online Purchase Arranged By ACPG Management Sdn Bhd

FB-2mer-walkin-travelinsurance1c

Travel Insurance Malaysia

Arranged by

ACPG Management Sdn Bhd

Malaysia Experience General Insurance Risk Management Solution Provider since year 1989.

ACPG Careline +603-92863323

enquiry@acpgconsultant.com

www.acpgconsultant.com

www.facebook.com/acpg.management

www.walkinonline.com/store/ACPG.php

MSIG Malaysia Travel Insurance

BASIC COVERAGES – Insured Person Age 18 – 69 years old

Highlight Summary Important Benefit Only (Refer Policy Wording)

S01) Personal Accident Benefits (AD & PTT)

Oversea Area 1 RM 250,000.00

Domestic RM 250,000.00

S02) Medical & Accidental Expenses (Accidental bodily injury and illness suffer)

RM 300,000.00

Emergency Medical Evacation and Bringing Back to Malaysia

RM 1,000,000.00

Repatriation of Mortal Remains (Including Burial and Cremation)

RM 1,000,000.00

S03) Luggage & Personal Effects (Maximum Limit any one item is RM 500)

Max Up to RM 5,000.00

S04) Luggage Delay (RM 200 for every 6 consecutive hours)

Max Up to RM 5,000.00

S05) Personal Money (Loss of Cash due to Robbery or Theft)

Max Up to RM 1,000.00

S06) Travel Documents (Loss of documents due to Robbery or Theft)

Max Up to RM 5,000.00

S07) Travel Cancellation (7 days waiting period) – (Insured, Family Members, Travelling Companion registered for the journey with you or your travel partner) –

Max up to RM 18,000.00

S08) Travel Curtailment (During Travelling)

Max up to RM 18,000.00

S09) Travel Delay (RM 200 for every 6 consecutive hours by Scheduled Carrier) –

Max up to RM 3,600.00

S10) Missed Travel Connection –

Max up to RM 600.00

S11) Travel Overbooked (RM 500 for every 6 consecutive hours) – Max up to RM 1,000.00

S12) Missed Departure (Scheduled Carrier only) –

Max Up to RM 1,000.00

S13) Travel Reroute (Compensation for more 6 than consecutive hours by Scheduled Carrier)

RM 250.00

S14) Loss of Travel Deposit (Result of insolvency of travel agent and 7 days waiting period)

Max Up to RM 7,500.00

S15) Additional Costs of Rental Car Return

RM 1,000.00

S16) Personal Liability (During Travelling)

RM 1,000,000.00

S17) Loss of use of Hotel Facilities (RM 200 per day) – Max Up to

RM 2,000.00

S18) Home Protection (Compensation for Loss to Home Contents During Travelling)

RM 500.00

FB-2mer500-walkin-travelinsurance1a

ACPG Management Sdn Bhd

Malaysia Experience General Insurance Risk Management Solution Provider since year 1989.

ACPG Careline +603-92863323

enquiry@acpgconsultant.com

www.acpgconsultant.com

www.facebook.com/acpg.management

www.walkinonline.com/store/ACPG.php

Head Office

158-3-7, Blok 158, Kompleks Maluri,

Jalan Jejaka, Taman Maluri, Cheras,

55100 Kuala Lumpur, Malaysia.

http://www.acpgconsultant.com

+603-92863323

马来西亚旅游保险 你了解多少?分享来自 马来西亚医疗保险机构 (MMI)

mmi100Fb_travelMedicalcard

对于旅游保险 你了解多少?

分享来自

马来西亚医疗保险机构 (MMI)

马来西亚值得信赖,经验丰富及规模最大的医疗和健康保险业务方案服务提供组织

Malaysia Medical Insurance Organization (MMI)

Your Trusted Malaysia Medical Insurance Risk Management Advisory Provider.

Malaysia Medical Insurance Organization (MMI)

Head Office,

158-3-7, BLOK 158, KOMPLEKS MALURI,

JALAN JEJAKA, TAMAN MALURI,CHERAS,

55100 KUALA LUMPUR, MALAYSIA.

MMI careline +603-92863323

mmicare@medicalinsurance.com.my

www.medicalinsurance.com.my

对于旅游保险 你了解多少?

除了人寿保险、储蓄保险、医药保险……还有一个保险,平日没必要,在特定时期才需要的,那就是旅游保险,只是大家对它的了解有多深呢?

马航MH370事件沸腾至今,任何一个“发现”都足以牵动全球人的神经,保险索赔更是其中一项极其重要的后续发展。

目前,有鉴于马航事件为特殊情况,大马寿险公会已发出指示,会优先处理时间理赔工作,在获得死亡证明书之前,家属可以提前申请索取赔偿,一旦确定索赔者身分,就会在一星期内安排赔偿(仅限我国公民)。

儘管“事故”仍未盖棺论定,但根据各国主要媒体报导,在关注寻找失踪飞机之际,保险公司、航空公司、乘客、律师之间的索赔法律战,早已酝酿就绪等待上演。当然,无论“真相”或最终索赔结果,都需要时间才能有答桉。

人生总会遭遇大大小小不可预知的风险,灾难事故等大事轮不到我们来掌控,但如何从这些惨痛经验中取得启发与反思,将出游的意外风险转嫁,是我们应该从中学习的重要小事。旅游保险,正是其一。

但是,关于旅游保险,你真的懂吗?还是从来没买过?MMI AC 指出,马来西亚人对于这个旅游保险的认知程度的确有待加强:“其实,不要说一般人,连我身边的朋友都很少会购买这类型保险,主要原因是他们认为已经购买了个人寿险和意外险,所以根本不需要再购买旅游保险,这是个很普遍的迷思。

相似于意外险,但利益更多

虽然旅游保险的保障范围跟意外险有些相似,但有些利益是意外险或其他保险所无法提供的,例如:人寿保险只赔偿死亡和终身残废,医药卡在国外超过90天就不能使用。我举个例子,假设一个人突然在国外罹患严重疾病(当地没有医院可以提供相关服务)或死亡,必须返回马来西亚,当中所涉及的遣送费用,并不包括在人寿保险和医药卡的保障范围,但旅游保险就可以提供相关的保障。意外事故、空难、第三方索赔、遣送费用等都是旅游保险的保障范围。”

保个万一但不是随便购买

旅游人人爱,但旅游保险却往往“乏人问津”,人们很少会主动选择购买旅游保险,甚至在购买廉航机票时也会删除保险选项(除非参加规定购买保险的旅行团),除了欠缺风险意识,对旅游保险认识不足及存有迷思也是原因。

有必要购买旅游保险吗?“绝对必要!我与家人几乎每次出国,都会买旅游保险。

人在国外,很多时候都是人生地不熟,免不了会面对语言、文化的差异。万一在国外因为一场意外或病倒,从办理入院和医疗费用都有可能成为一个难题,旅游保险就能发挥作用。很多人会想到要省下小钱,却忽略了万一不幸发生事故,可能会面对更大的麻烦和压力。”

至于旅游保险要买多少才足够?他说其实很难一概而论,必须根据个人能力和财务需求来决定:“我建议还是看个人能力和需求。另外,旅游保险不见得是买得越多,赔偿越多,原因在于有些公司会列明,若在同一间公司购买超过一份旅游保险,只会以一份旅游保险来做出赔偿。”

买多或买少没有绝对答桉,但唯一肯定的是,遨游四海之前,除了事前妥善规划行程,也应该考虑购买旅游保险,做好有备无患的安全保障。

了解类型,保障权益

目前,我国常见的旅游保险主要包括以下几种:

信用卡公司赠送

使用信用卡购买飞机票时,信用卡公司/发卡银行本身赠送。“由于这是免费的,所以一般涵盖的保障范围可能比较少,通常会注重在旅游期间意外死亡/终身残废(包括空难事件),而且多半不包括国外的医药保险,但也有例外情况,必须视不同信用卡公司的条规而定。”

个人购买

购买飞机票时/后,可以上网或者向保险代理员购买个人旅游保险。这类保险涵盖的范围比较广,主要包括:意外死亡、终身残废、医药保险、第三方损失等等。另外,也可再细分为单程或者双程旅游保险(例如:到国外读书,通常只需购买单程旅游保险,然后再购买当地的医疗保险。)

公司购买

如果是公司为员工购买的旅游保险,必须确定保单拥有者是公司还是员工。同时必须确定填写提名人(受益人)的资料。

万一保单拥有者是公司,那么保险赔偿金将会归公司。并不是归员工的家属。另外,虽然公司有责任/义务为出差员工购买旅游保险,但我国法律并没有强制规定一定要购买。”他提醒因公出差的员工,最好向公司清楚询问这些相关事项,例如:是否有购买旅游保险、谁才是受益人等。

家庭配套旅游保险

另外,旅游保险也可分为个人或者家庭配套旅游保险,家庭配套比较便宜,但相对保额方面也有固定的限制。

年限旅游保险

旅游保险多数是以个别旅游次数来做计算。对于一年内频密出国的人,可以考虑购买年限旅游保险,保费会比较便宜。

MMI AC 表示,大部分国家的旅游保障内容都一样,只是保费会根据旅游地点而有所差异。我国旅游保险通常会以旅游地点划分为本地、亚洲地区、世界性区域(例如:美国/加拿大)。本地与亚洲会比较便宜,主要的考量因素包括地理环境、气候/天灾、政治因素、恐怖袭击、战争以及其他可能性等。

弄清细节免得届时没得赔!

买保险最气的是,就是你需要的,它统统不赔,如何才能最大程度保障自己的权益?

购买旅游保险时,必须诚实透露你的工作性质,健康状况以及出国理由等,原因是这些都会影响保险公司对你风险评估。

AC提醒民众在购买旅游保险前,务必要清楚搞懂以下几件事:

˙确定清楚填写受益人资料,同时让他们知道你有购买旅游保险。

˙向保险公司索取紧急电话,以防万一在国外面对一些困境,可以第一时间联络保险公司。

˙购买旅游保险最好提前购买,不要等到旅行当天才买,有些保险公司会拒绝当天投保的情况。另一个好处是可以提前确认保单合同内容,以及核对个人和受益人资料等等。

万一在国外被打抢,掠夺或由于其他因素蒙受损失,都必须在当地时间24小时内报警。因为这些将会在后期申请理赔列入考量因素。

了解自己所购买的旅游保险。确认该旅游保险的保障范围,以及不给予保障的事项。例如:医疗费用的理赔是根据本地费用为准,而不是外汇转换率,行李箱延迟的赔偿仅限于旅游目的地等等。

根据旅游保险配套、目的地、保障天数,评估需要支付多少保费才是合理的

确认每项利益是否存在需个人自行承担的费用。

处理保险索赔问题的单位

旅游保险索赔出问题?首先,可以向各自的保险公司投诉,由公司进行处理。如果不满意保险公司的处理方式或得不到合理的答覆,再进一步向下列有关部门投诉,主动争取自己的权益。

更多旅游知识,请游览 www.medicalinsurance.com.my

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