Etiqa takaful insurance - Travel Personal Accident

Travel Personal Accident

You love to travel. But there are so many uncertainties when you’re away from home.

Etiqa Takaful understands that in order for you to enjoy yourself on your holiday, you want peace of mind and to be free of any worries. That’s why there’s Etiqa Takaful Travel Personal Accident Takaful.

SECTION 1 – PERSONAL ACCIDENT
Should any of the Participants experience bodily injury caused by way of violent manner or situation, unintentional, by war of external and obvious and the said injury without any other reasons causes death or disability, the Company will administer the payment to the Participant or the Participant’s legal personal representative as indicated below:

Death
Loss of one or both hands or legs or } Capital Amount
loss of sight of one or both eyes } stated in the appended
that cannot be recovered } schedule
Total Permanent Disability due to performing normal work
Temporary Total Disability – None
Temporary Partial Disability – None
No administration of payment will be made for (a), (b) and (c) unless death, loss or the disability occurs within twelve months from the date when the bodily injury happened.

SECTION 2 – MEDICAL EXPENSES
The Company will administer all medical and surgical expenses incurred to the Participant or his legal representative due to the bodily injury by way of or situation that is unintentional, violent, externally and obvious, at the limit stipulated in the Schedule.

On the condition that the Company is not held responsible for the “excess” amount stipulated in the Schedule for each claim from every Participant.

AUTOMATIC EXTENSION
If a participant is unable to continue the Journey due to transportation delays that cannot be avoided, the period of the Policy will be extended automatically without additional contribution by the Participant for the period of the Journey.

EXCLUSIONS
The Company is not responsible for the death or disability, directly or indirectly caused by:

Insanity, intentional self-inflicted injury, suicide or the attempt to do so (either felony or not) or any attempt or threat either during sanity or otherwise, causing fatality or attack due to provocation.
Any bacterial infection other than the infection caused by a wound or unintentional injury, sexually-related illnesses, AIDS or other related illnesses except those caused by blood transfusion, hernia.
Pregnancy, child birth, miscarriage even though caused by an accident.
During the involvement or participation in the operation of the Government Police, Air Force services or participation in rough operations, which are planned or operated by public authority or military to fight criminals, terrorists or other elements.
Participants that are involved in hunting, obstacle horse race, any type of race (other than walking), football, polo, motorcycle, mountain climbing which requires a guide or a rope, winter sports, water skiing or cave exploration, usage of wood cutting machine or a round saw, ‘aqualung’ diving, ice hockey, parachuting, speed boat, diving show, wrestling including judo, karate and unarmed combat, offshore sailing or involved in logging unless the Company agrees via endorsement to extend the Policy period.

When one is under the influence of liquor, narcotic or drugs.
While carrying out or attempting to do anything against the law.
While in the flight for commercial purposes, technical operations, as the flight crew or flight activities other than as a passenger in the aeroplane which operates on chartered schedule or aeroplane with twin-engine or more which is rented.
Declared or non-declared war, invasion, action by foreign enemies, hostility, civil war, rebellion, revolution, mutiny, military coup de etat, riot, public commotion or strike.

Radiation or radioactive pollution from any nuclear wastes and
products or nuclear fuel.

Website Link :
http://www.etiqa.com.my/index.php?ch=tkfpersonal&pg=takaful_productlist&ac=12&tpt=4

Contact Number: 1-300-13-8888 (for calls originating from outside of Malaysia, please call 603-2780-4500)
Fax: 03-2296 1799
Email: info@etiqa.com.my

Etiqa Oneline operates from 8.30am to 6.30pm on Mondays to Fridays and 8.30am to 12.30pm on Saturday.

Columbus Direct is a leading travel insurance specialist

Columbus Direct is a leading travel insurance specialist which was established in 1988. By selling direct to the public, we cut out the middle man and can save our customers up to 60% in commissions charged by other providers.

Customer satisfaction and value for money are the driving forces behind Columbus Direct and we pride ourselves on providing a quick, efficient and hassle-free service.

You can rest assured that by arranging your travel insurance through Columbus Direct you are dealing with a reputable company. We are authorised and regulated by the Financial Services Authority and also operate a claims charter. Our underwriter is a travel insurance specialist and a member of the Financial Ombudsman Scheme (FOS).

COLUMBUS TRAVEL INSURANCE SERVICES LIMITED.
Reg. No. 2642155. Registered in England & Wales. Reg. Add: 17 Devonshire Square, London EC2M 4SQ.

International Scope
Collinson Group companies employ over 500 staff of more than 40 nationalities in 7 countries. The group has customers in 120 countries around the world.

Collinson Group and Travel
The Collinson Group is extremely active in the travel business. The companies offer everything from travel planning software to travel insurance and customer loyalty programmes for the travel industry.


For Backpacker, you can browse through this URL:
http://www.columbusdirect.com/Travel-Insurance/Backpacker-Travel-Insurance.cfm

Malaysia Airlines Launches Travel Insurance

Malaysia Airlines Tuesday launched its Travel Insurance, which will protect passengers from trip cancellation, loss of luggage and overseas medical costs.

The insurance package was offered in partnership with with Mondial Assistance, a leader in travel insurance and assistance, and Etiqa Insurance.

It is available for flights departing Malaysia, and will be extended to include more than 10 countries in the coming months, said the national carrier in a statement here, Tuesday.

Malaysia Airlines said domestic and international travel insurance plans are offered up to 30 days and 180 days of coverage respectively in addition to 24-hour worldwide emergency medical and travel assistance, with prices starting from RM15.

The airline said customers and the general public can purchase the insurance online at www.malaysiaairlines.com.

-- BERNAMA

HSBC TravelSafe Insurance

Benefits of buying HSBC TravelSafe

TravelSafe protects you, your travel arrangements and your belongings. These are some of the benefits and protection from buying travel coverage:

* Covers delay or cancellation of flights and travel bookings.
* Lost or damaged luggage and other personal items.
* Lost travel documents and money.
* Medical treatment and emergency medical evacuation.
* Includes worldwide travel assistance 24/7.
* Provide the pre-trip travel advice and more...

DETAILS:
http://www.hsbc.com.my/1/2/personal-banking/insurance/travelsafe

Travel Insurance Tips

Don't Lose Site Of The Sites
Going overseas on a big international trip is almost like a kid walking into a giant toy store. There's so much to see the brain overloads and you don't remember what you came in there for in the first place. The last thing you want to do is fly hundreds of miles there and back without seeing what you wanted to see. The best thing you can do is make a list before you leave.

Travel Assistance Programs and Plans
Deciding what travel insurance to buy, and for how much, can be a daunting process. Here are some factors to consider: Primary elements of travel insurance include trip cancellation insurance, trip interruption insurance, accidental death or dismemberment, medical/dental coverage, transportation to adequate medical facilities, loss of luggage or personal possessions, and protection against the default or bankruptcy of suppliers.

Presenting Presents At Customs
We can never truly leave the world behind when we go away. Especially when the trip starts winding down. One of the main things that pops into our heads is thinking about the gifts we have to get everyone. Before you buy just remember that you are allowed $200 worth of items -- duty free.


Legal Search & Seizure
It is true that in our country we are guaranteed certain rights as Americans. When it comes search & seizure the laws state that there must be probable cause & paperwork before anyone can be searched. However, that all goes out the window when you are dealing with US customs regulations. Custom agents have a right to do a total search without needing any probable cause.


Be Active About Finding Terrorist Activity
In this day and age no one is a stranger to terrorist acts. Unfortunately, it has been happening more than ever these past handful of years. This does not mean you should give into the fear and stop traveling. It just means when you plan a trip you should be smart about it.

Don't Be E-Oblivious
The way the bags are designed you know right away they are holding those tech toys. Which makes it super easy for some less-than-honest individual to know what they should grab first. The solution is simple -- change your bag. Use an unassuming tote bag for cameras and any other electronic equipment. Plus, don't keep stuff like memory cards in the outside pockets to prevent easy pickings from pick-pocketers.


Play Your Cards Right
Sometimes you can find trip and travel insurance where you least expect it. Your credit card. Some credit card companies offer insurance that can guard against lost or stolen luggage. Medical assistance. 24 information. Plus, customized policies depending on how much you travel per year.

Getting Out In The Golden Years
Some people save their traveling for the moment right after they slice their cake at their retirement party. The one thing that's great about traveling when you're retired is you don't have to wait for a vacation to go. So you can say goodbye to high season travel prices. Though, remember traveling isn't just a vacation -- it's a bit of work too.

Airplane Ticket Protection Policies
Today, most airlines are issuing only nonrefundable tickets. Travelers who must cancel or change travel plans are forced to forfeit the cost of the ticket or incur hefty change fees. With Travel Guard's Air Ticket Protection Plan, you are covered. The Air Ticket Protection Plan covers against unexpected trip related expenses such as: • Trip cancellation, interruption and delay; • Lost, stolen or damaged baggage or travel documents; • Pre-Existing Medical Condition Waiver; • Flight Accident; • Baggage Delay; • Ticket Change fees (up to $100 if purchased within 7 days of deposit and for a covered reason).

Bank On Default Insurance
Fine print can land you in a fine mess if you're not careful. It happens all the time with warrantees. People don't realize that if their super-expensive tv goes on the fritz a certain way they will be responsible for all of the costs. It's the same with trip insurance. It does cover a lot of things that could happen. However, bankruptcy of an airline, cruise line or tour-company isn't one of them. So if this is a concern for you look for a policy that contains supplier default insurance. Though, even if it is on your policy you still need to read the fine print. In some cases supplier default insurance will only insure certain travel companies.


1st Class Space Without The 1st Class Cost
People in 1st class get a lot of conveniences coach people don't. Drinks when you 1st arrive on the plane. Priority boarding and leaving. Plus, most important of all -- space. Lots of room to stretch out.

How Important Travel Insurance

Before leaving on vacation, make sure you have adequate insurance. Vacations can sometimes cost thousands of dollars so it is important to have the proper insurance protection in case the cruise or tour operator goes bankrupt or you need to cancel the trip due to illness or other unforeseen events.

There are four major types of travel insurance, although you can also purchase packages that offer several options, including Trip Cancellation, Lost Baggage, Medical, Dental, Emergency Evacuation, 24 Hour Traveler Assistance, Baggage Delay, Travel Delay, and Accidental Death Coverages. Some policies also have options for Collision/Damage coverage for rented cars.

1. Trip Cancellation Insurance
2. Baggage Insurance or Personal Effects Coverage
3. Emergency Medical Assistance
4. Accidental Death

Your credit card company may provide travel-related services and coverage. You can also purchase travel insurance from either a travel agent or you can buy directly from an insurer that specializes in this type of coverage.