FAQs

Questions by category:

Types Of Plan & Eligibility

No. All coverage must be purchased before commencement of journey.

Yes, However, you may only purchase a One Way Journey. Coverage terminates at  11.59 p.m. on the expiry date of the Period of Insurance specified in the Certificate of Insurance or when you arrives at the airport in the Destination country.

  • Insured Person must be a Malaysian or Malaysian Permanent Resident or valid work permit holder or valid employment pass holder or valid dependent pass holder or valid long-term social visit pass holder or valid student pass holder of at least eighteen (18) years of age on the Period of Insurance.
  • the Spouse must be a Malaysian or Malaysian Permanent Resident or valid work permit holder or valid employment pass holder or valid dependent pass holder or valid long-term social visit pass holder or valid student pass holder, at least eighteen (18) years of age on the Period of Insurance; and
  • the Child(ren), must be:-
    • a Malaysian or Malaysian Permanent Resident or valid dependent pass holder or valid student pass holder
    • at least thirty (30) days of age and not more than eighteen(18) years or below twenty-three (23) years if studying full-time in a recognized tertiary institution) on the Period of Insurance
    • unmarried
    • unemployed

It is the travelling period during which the coverage under this Policy is effective, as stated in the Certificate of Insurance. For example, if you are travelling to multiple countries from 14th January 2017 until 10th February 2017, the period of insurance will be from 14th January 2017 to 10th February 2017.

The Policy wording can be found here, International & Domestic and you will receive the Certificate of Insurance via email once payment of premium has been made.

 

Medical Cover

No. However, please note that there are exclusions on pre-existing medical conditions. Please refer to Policy Wording for full details.

Any medical condition which you have reasonable knowledge of, in 12 months prior to the Period of Insurance.

Please refer to Policy Wording for full details.

No, Chubb Travel Insurance does not have this option.

No, the policy does not cover any pregnancy-related issues other than accidental miscarriage due to bodily injury as a result of an accident.

Yes, it is covered if is resulting from an accident during the period of cover. However, this does not include costs of dentures.

Baggage Cover

No, the amount of baggage cover cannot be increased.

No, Chubb Travel Insurance does not cover any hired or leased equipment.

Yes they are but terms and conditions apply. Please refer to " LOSS OR DAMAGE OF PERSONAL EFFECTS AND BAGGAGE - Property not Covered" in the policy wording.

This plan will pay the stated benefit amount specified in the Summary of Benefits for every six full consecutive hours of delay, up to the maximum benefit amount specified.

Chubb Travel Insurance will pay up to the maximum limit specified under Loss/Damage of Personal Property & Baggage.

No, it would not be covered. Unaccompanied baggage is not covered.

The limit of cover varies depending on the plan purchased, For details, kindly refer to the Summary of Benefits.

Sports And Sporting Equipment

You may refer to the policy wording under SECTION 1 – DEFINITIONS Hazardous Adventures.

No. Sporting equipment are not covered. However, Golf Equipment is covered as per Golf Equipment Benefits.

Please refer to Policy Wording for full details.

Trip Cancellation

The policy excludes prohibition or regulations by any government, and so any Travel Cancellation or Trip Change claims related to this cause.

  1. Your Death
  2. You sustaining Bodily Injury or suffering from a Sickness, which in the opinion of a Physician causes You to be unfit to travel on a Scheduled Departure Date;
  3. The death of Your Family Member or Travel Companion before the Scheduled Departure Date;
  4. Bodily Injury or Sickness of Your Family Member or Travel Companion necessitating him/her to be Confined to a Hospital;
  5. You or Your Travel Companion are or required to be in compulsory quarantine, or jury service, or are subpoenaed or hijacked; cancellation of scheduled Common Carrier services consequent upon Strike, Riot or Civil Commotion which is beyond Your control at the planned Destination;
  6. Your residence in Malaysia becoming uninhabitable following fire, storm, or flood occurring such that Your presence is required on the premises on the Scheduled Departure Date; or due to Natural Disasters at the Destination country which prevent You from commencing the Journey.

Whereby, in the context of cancellation of a Journey :

  • for paragraph (ii), (iii), (iv), (v), (vi) the event mentioned must occur within thirty (30) days before the Scheduled Departure Date;
  • for paragraph (vii), the respective events mentioned must occur within seven (7) days before the Scheduled Departure Date and must be accompanied with requisite proof or report from relevant authority(s); and
  • for paragraph (viii), the respective events mentioned must occur within seven (7) days before the Scheduled Departure Date and must be accompanied with travel advice from relevant authority(s).

 

 

 

Yes, if the event occurs within fourteen (14) days before the Period of Insurance and must be accompanied with travel advice from relevant authority(s).

Nomination Of Beneficiary/ies

No. It is not a mandatory requirement. It is a choice of the policy owner. However, under Schedule 10 of the Financial Service Act 2013, a policy owner may nominate a natural person to receive policy moneys payable upon his death. Chubb is therefore providing this right to nominate if the policy owner so chooses. A copy of the Nomination Form can be downloaded here. If the policy owner does not nominate, the policy moneys will be paid to the rightful beneficiary of their estate.

However, in the event that the policy owner so wishes to nominate, the Nomination Form has to be filled up accordingly, signed by the policy owner and witnessed by a person of sound mind, who has attained the aged of 18 years of age and who is not the named nominee. If this is not done, the Nomination Form is not valid Chubb cannot pay out policy moneys in reliance of an invalid Nomination Form. The signed and witnessed Nomination Form can then be faxed or emailed to us.

The policy owner can nominate anyone but should he/she choose to nominate someone other than his/her child, spouse or parent, Schedule 10 of the Financial Service Act 2013 provides that the person can only receive the policy moneys as executor (not as beneficiary). If the policy owner wishes for that person to receive the moneys as beneficiary, then the policy owner will have to assign the policy benefits to that person.

The above FAQ should be read and construed in light of, and subject to, all terms, conditions and exclusions contained in the Policy.