Claims Guidelines

This policy provides you with:

• The necessary protection throughout your period of journey whether you are on a business trip or holiday.

General Guidelines

• Notify MSIG immediately as soon as you have returned from abroad in respect of any event that may give rise to a claim.

• Complete the relevant sections of the Claim Form relating to your claim.

• Then submit the Claim Form together with the following documents:

  • Tour Operator's Confirmation of Booking Invoice

  • Copies of Airline tickets

The following documents are also needed for:

Section 1 Personal Accident

• Certified Copy of Death Certificate

• Certified Copy of Post Mortem Report

• Certified Copy of Deceased's Identity Card

• Letter of Administration, if no nomination

• Medical Report from Regular and Attending Physician

• Certified Copy of Pulice Report (if death due to motor vehicular accident)

• Proof of relationship between the Insured Person and the child(ren) - for claim on Child Education Fund

Section 2 Medical and Other Expenses

• Medical Report from attending physician / Nature of Illness or injury

• Medical Certificate from regular physician, if necessary

• Original Medical Invoices and receipts

• Invoices on accommodation, communication & traveling expenses (for claim on Compassionate Care & Child Care)

• Recommendation letter from the attending doctor (for claim on Compassionate Care)

• Invoices relating to cost of burial, cremation or conveyance of body to home, if necessary

• Name and address of usual doctor in Malaysia, if necessary

Section 3 Personal Luggage and Personal Effects

• Detailed breakdown of claimed items

• Purchase receipts, warranty card etc, for baggage and/or personal effects, if any

• Property Irregularity Report from airline

• Police report in the event of theft

• Photographs depicting damages to the baggage etc, if no report lodged to Airlines

• Proof of compensation received from the responsible party

Section 4 Luggage Delay

• Report from airline confirming the number of hours delay or misdirection in delivery

Section 5 Personal Money

• Pulice report at the place of occurrence

Section 6 Travel Documents

• Police report at the place of occurrence

• Original receipts for additional accommodation, travel and communication expenses incurred in replacing lost travel documents

• Copy of Emergency Certificate

Section 7 Cancellation

• Documents to support the reason(s) for cancellation

• Original receipts for payment of the insurance cover and any pre-booked and pre-paid tour expenses

• Cancellation invoice from the tour operator concerned and refund obtained from them, if any

Section 8 Curtailment

• Documents to support the reason(s) for curtailment

• Original receipts for payment of the insurance cover and any pre-booked and pre-paid tour expenses

• Cancellation invoice from the tour operator concerned and refund obtained from them

• This Policy will only pay for any claim either under Section 7 or Section 8 but not both

Section 9 Travel Delay (including reschedule of flight)

• A written confirmation from the airlines concerned confirming the duration of delay and reason(s) thereof

Section 10 Missed Travel Connection

• A written confirmation from the airlines concerned confirming the duration of delay and reason(s) thereof

Section 11 Travel Overbooked

• A written confirmation from the airlines concerned confirming overbooked incident

Section 12 Missed Departure

• Documents to support the reason(s) for missed departure

• Original receipts for additional accommodation and travel expenses incurred

Section 13 Travel Reroute

• A written confirmation from the airlines concerned confirming the incident (actual arrival time vs schedule arrival time)

• This policy will only pay for one claim made either under Section 9 or 10 or 11 or 12 or 13 but not all

Section 14 Loss of Travel Deposit

• Documents to support the reason(s) for the claim on travel deposit

• Original receipts as proof of payment made to travel agents

Section 15 Additional Cost of Rental Car Return

• Rental Agreement

• Receipt for payment made on additional cost of rental car

• Confirmation letter or receipt confirming the actual date returned of the rental car

• Medical report and bills stating the medical condition and duration of hospitalization

Section 16 Personal Liability

• Correspondence from Third Party unanswered

Section 17 Loss of Use of Hotel Facilities

• Confirmation letter from the hotel or handling agents stating the duration and reason for finding the alternative accommodation

• Invoice and receipts as proof of the payment for alternative accommodation incurred

Section 18 Home Protection

• Policy report on the incident

Section 19 Adventurous Activity Cover

• For Section 1 - Personal Accident

• Certified Copy of Death Certificate

• Certified Copy of Post Mortem Report

• Certified Copy of Deceased's Identity Card

• Police Report (if death due to accident)

• Letter of Administration, if no nomination

• Medical Report from Regular and Attending Physician

• Proof of relationship between the Insured Person and the child(ren) - for claim on Child Education Fund

• For Section 2 - Medical and Other Expenses

• Medical Report from attending physician / Nature of Illness or injury

• Medical Certificate from regular physician, if necessary

• Original Medical Invoices and receipt

• Invoices on accommodation, communication & traveling expenses (for claim on Compassionate Care & Child Care)

• Recommendation letter from the attending doctor (for claim on Compassionate Care)

• Invoices relating to cost of burial, cremation or conveyance of body to home, if necessary

• Name and address of usual doctor in Malaysia, if necessary

Claims Guidelines for Personal Liability Claim

• Notify MSIG immediately after the third party has made a claim from you.

• Do not admit liability, negotiate or repudiate any claim with the third party without MSIG's consent.

• Provide MSIG with details of the third party wherever appropriate.

• Forward all relevant documents unanswered to MSIG as soon as you have received them from the third party for our immediate attention.

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