Travel has evolved significantly in recent years, and so has the necessity for comprehensive travel insurance. Tune Protect’s Travel Easy insurance offers a robust solution tailored to the new era of travelers, providing extensive coverage options that cater to the unexpected. This in-depth review will explore the nuances of Tune Protect Travel Easy insurance, assess its unique benefits, and provide you with all the information needed to make an informed decision.

Tune Protect is the AirAsia of Travel Insurance

In the realm of travel, certain names stand out for their promise of value for money, and in the airline industry, AirAsia has carved out a reputation for being the go-to option for budget-conscious travelers without compromising on service quality. Drawing a parallel in the insurance industry, Tune Protect’s Travel Easy insurance has positioned itself similarly as the AirAsia of travel insurance. Just as AirAsia democratized air travel, offering affordable fares and making flying accessible to more people, Tune Protect has simplified travel insurance by providing comprehensive coverage at a competitive price point. Their policies are designed to deliver the best value for money, ensuring that travelers can enjoy extensive protection, including unique benefits like cashless hospital admissions, without stretching their budget. This commitment to affordable quality is what makes Tune Protect a leading choice among savvy travelers who seek the best in both cost and care while exploring the world.

Comprehensive Coverage for Peace of Mind

In the realm of travel, certain names stand out for their promise of value for money, and in the airline industry, AirAsia has carved out a reputation for being the go-to option for budget-conscious travelers without compromising on service quality. Drawing a parallel in the insurance industry, Tune Protect’s Travel Easy insurance has positioned itself similarly as the AirAsia of travel insurance. Just as AirAsia democratized air travel, offering affordable fares and making flying accessible to more people, Tune Protect has simplified travel insurance by providing comprehensive coverage at a competitive price point. Their policies are designed to deliver the best value for money, ensuring that travelers can enjoy extensive protection, including unique benefits like cashless hospital admissions, without stretching their budget. This commitment to affordable quality is what makes Tune Protect a leading choice among savvy travelers who seek the best in both cost and care while exploring the world.

Key Features At a Glance

• Comprehensive Medical Coverage: With medical risks heightened in the current climate, this feature covers travelers for any accidents or illnesses, including those related to COVID-19.
• Trip Cancellation and Interruption: Financial protection is critical if unforeseen events disrupt your travel plans. This coverage ensures that non-refundable expenses don’t add to your worries.
• Baggage and Personal Effects Coverage: Whether your baggage is delayed, lost, or stolen, compensation is available to mitigate the inconvenience.
• 24/7 Global Assistance: No matter where your travels take you, round-the-clock assistance means help is always available.
• Cashless Hospital Admission: An innovative solution to medical emergencies, allowing you to receive care without the burden of upfront payments.

Seamless User Experience

Navigating the Tune Protect platform is intuitive, making the selection and purchase of your travel insurance policy a straightforward affair. The process is designed to be transparent and informative, ensuring that both experienced and first-time insurance buyers can confidently secure their coverage without any hassle.

Praise for the claims process

The efficiency of an insurance provider is often gauged by its claims process. Tune Protect impresses with a streamlined and digital-first approach, ensuring that claims are handled swiftly and without unnecessary bureaucracy. Customers can submit claims online, with the company priding itself on a fast response time, which is a critical factor for travelers in need.

Tune Protect emphasizes a simplified customer experience and affordable premiums, targeting Millennials and Gen-Zs with their range of health, lifestyle, and SME products. The company provides extensive COVID-19 coverage for travelers, including medical expenses, quarantine, trip curtailment, and more, with benefits covering up to RM250,000 for an individual.

A Balance of Affordability and Support

With a pricing structure that caters to diverse budgets and travel needs, Tune Protect Travel Easy insurance is as accessible as it is comprehensive. This competitive pricing does not come at the expense of customer support; the company provides a dedicated helpline and online chat, ensuring assistance is always within reach.

Endorsed by Real-World Experiences

The Free Malaysia Today article, “Travelling soon? Tune Protect has got you covered!” adds an authentic dimension to this review, sharing stories of customers who have faced and overcome travel adversities with Tune Protect’s backing. These accounts underscore the real-world effectiveness and reliability of the insurance coverage. For more personal stories and details on how Tune Protect has made a difference, you can read the full article here.

Travel Insurance Award Winner 2024

Adding to the accolades of Tune Protect Travel Easy insurance, it has been honored as the winner of the Malaysian Travel Insurance Award 2024. This prestigious recognition is a testament to its outstanding service, innovative coverage options, and exceptional customer satisfaction, especially highlighted by its rapid adaptation to include comprehensive COVID-19 related coverage. This award, based on direct customer feedback and a rigorous statistical analysis, further solidifies Tune Protect’s reputation as a leader in the travel insurance industry, providing reassurance to travelers seeking reliable and extensive insurance solutions. For more details on the award and the criteria for selection, visit Malaysian Travel Insurance Award 2024.

Final Thoughts

Tune Protect’s Travel Easy insurance stands out as a market leader in travel insurance, offering extensive benefits that cater to the modern traveler. Its combination of comprehensive coverage, user-friendly service, and responsive customer support positions it as an ideal choice for anyone seeking security and flexibility in their travel plans.

For detailed coverage options and to purchase a plan, be sure to visit Tune Protect Travel Easy Insurance.

Are you a Malaysian traveler looking for the perfect insurance coverage for your next adventure? Look no further! Based on hands-on testing and interviews with insurance experts, we’ve curated a list of the best travel insurance options available in 2024. Whether you’re exploring the bustling streets of Tokyo or lounging on the pristine beaches of Bali, these insurance plans from Berjaya, Tune, Generali, Etiqa, Ikhlas, Tokio, Chubb, and more have got you covered.

Best travel insurance 2024 for Malaysians

1. Tune Travel Insurance: AirAsia for Travel Insurance
2. Generali Travel Insurance: Global Network and Enhanced Coverage
3. Berjaya Travel Insurance: Comprehensive Protection
4. Etiqa Travel Insurance: Flexibility and Comprehensive Coverage
5. Tokio Marine Travel Insurance: Reliability and Tailored Protection

Tune Travel Insurance leads the pack as the best travel insurance of 2024 with its budget-friendly plans, earning the title of the “AirAsia for Travel Insurance.” While the association with AirAsia highlights its affordability and accessibility, it’s important to note that Tune Travel Insurance is not exclusive to AirAsia flights. Regardless of whether you’re flying with AirAsia or another airline, Tune offers comprehensive protection tailored to travelers across all budgets.

With various product types to suit different travel needs, Tune Travel Insurance ensures travelers are covered for medical expenses, trip cancellations, and baggage loss, among other common travel risks. The Travel Easy Plan provides essential coverage, while the Travel Pro Plan offers enhanced benefits for those seeking additional features such as higher medical expense coverage limits and compensation for travel inconveniences.

Travelers can enjoy peace of mind knowing they’re covered for medical emergencies up to RM300,000, including coverage for pre-existing medical conditions under certain circumstances. The plans also include benefits for trip cancellations or interruptions due to unforeseen events, as well as reimbursement for non-refundable expenses like flight tickets and accommodation bookings.

Furthermore, Tune Travel Insurance provides coverage for travel inconveniences such as baggage delays and loss, ensuring travelers can continue their journeys with minimal disruption and inconvenience.

In line with AirAsia’s commitment to affordability and accessibility, Tune Travel Insurance aims to make insurance coverage readily available to all travelers. With its user-friendly online platform and hassle-free claims process, Tune simplifies the insurance experience and empowers travelers to explore the world with confidence.

Whether you’re embarking on a short getaway or a long-haul adventure, Tune Travel Insurance ensures Malaysians can travel with peace of mind, knowing they’re protected by a trusted and reliable insurance provider that offers quality coverage at affordable prices, regardless of the airline chosen for their next trip.

Ranking second is Generali Travel Insurance, boasting an extensive network and prompt assistance services. Generali Travel Insurance stands out as a trusted choice for Malaysian travelers, offering extensive coverage and access to a global network of assistance services. Much like Generali’s commitment to providing reliable insurance solutions across various sectors, its travel insurance plans are designed to meet the diverse needs of travelers, ensuring comprehensive protection wherever they go.

Generali’s travel insurance plans come in different tiers, catering to various travel preferences and budgets. The Travel Easy Plan provides essential coverage for medical expenses, trip cancellations, and baggage loss, offering peace of mind for travelers embarking on domestic or international trips. For those seeking more comprehensive coverage, the Travel Plus Plan offers enhanced benefits such as higher medical expense coverage limits and additional compensation for travel inconveniences.

With Generali Travel Insurance, Malaysians can travel confidently knowing they’re covered for medical emergencies up to RM1,000,000, including coverage for pre-existing medical conditions under certain circumstances. The plans also include benefits for trip cancellations or interruptions due to unforeseen events, as well as reimbursement for non-refundable expenses like flight tickets and accommodation bookings.

Moreover, Generali’s travel insurance provides coverage for travel inconveniences such as baggage delays and loss, ensuring travelers receive compensation for essential items purchased during the waiting period. Additionally, the plans offer 24/7 emergency assistance services, ensuring travelers have access to immediate support and guidance wherever they are in the world.

Similar to Generali’s reputation for reliability and stability in the insurance industry, its travel insurance plans prioritize customer satisfaction and convenience. With its user-friendly online platform and efficient claims process, Generali aims to provide a seamless insurance experience for travelers, empowering them to explore the world with confidence.

Whether embarking on a leisurely vacation or a business trip, Generali Travel Insurance ensures Malaysians can travel with peace of mind, knowing they’re protected by a reputable insurance provider that offers extensive coverage and global assistance services.

Berjaya clinches the third spot with its robust coverage and reliability. Berjaya Travel Insurance stands out for its unwavering commitment to providing comprehensive protection tailored to the needs of Malaysian travelers. Offering coverage for medical expenses up to RM1,000,000, travelers can rest assured knowing they have financial assistance in case of unexpected illnesses or injuries during their trips.

Berjaya’s travel insurance comes in various product types, catering to different travel needs. The Essential Plan provides fundamental coverage for essential travel risks, including medical emergencies, trip cancellations, and baggage loss. For travelers seeking more extensive coverage, the Premier Plan offers enhanced benefits such as higher medical expense coverage and additional compensation for travel inconveniences.

Additionally, Berjaya’s insurance plans extend coverage for trip cancellations or curtailments due to unforeseen circumstances, such as accidents or emergencies. This includes reimbursement for non-refundable expenses like flight tickets, accommodation bookings, and tour packages, ensuring travelers are not left out of pocket.

Furthermore, Berjaya provides coverage for travel inconveniences such as baggage delays and loss, offering compensation for essential items purchased during the waiting period. This ensures travelers can continue their journeys with minimal disruption and inconvenience.

In the unfortunate event of travel interruptions caused by natural disasters or unforeseen events, Berjaya offers coverage for additional accommodation and transportation expenses incurred due to flight delays or cancellations.

Berjaya’s commitment to customer satisfaction is evident in its prompt claims processing and round-the-clock assistance services. Travelers can rely on Berjaya’s dedicated support team to provide assistance and guidance in navigating unexpected situations while traveling.

With optional add-ons available for adventurous activities and coverage for pre-existing medical conditions, Berjaya Travel Insurance offers customizable options to suit the unique needs and preferences of Malaysian travelers. Whether embarking on a leisurely vacation or a business trip, Berjaya ensures travelers can explore the world with confidence, knowing they are protected by a trusted insurance provider every step of the way.

Etiqa secures the fourth position with its customizable insurance plans tailored to meet the unique needs of Malaysian travelers. Etiqa’s Travel Takaful plans, such as TripCare 360 Takaful, are designed to provide extensive protection and peace of mind for travelers venturing both domestically and internationally.

Etiqa’s TripCare 360 Takaful offers a range of product types to cater to different travel preferences and requirements. The plans provide coverage for essential travel risks, including medical expenses, trip cancellations, and baggage loss, ensuring travelers are adequately protected against unforeseen circumstances throughout their journey.

With TripCare 360 Takaful, Malaysians can enjoy coverage for medical emergencies up to RM500,000, including access to Etiqa’s network of hospitals and clinics for immediate assistance and medical treatment. The plans also include benefits for trip cancellations or interruptions due to covered reasons, as well as reimbursement for non-refundable expenses like flight tickets and accommodation bookings.

Moreover, Etiqa’s travel takaful provides coverage for travel inconveniences such as baggage delays and loss, offering compensation for essential items purchased during the waiting period. Additionally, the plans include 24/7 emergency assistance services, ensuring travelers have access to immediate support and guidance whenever they need it.

Etiqa prides itself on its commitment to customer satisfaction and convenience, offering a seamless online purchasing process and efficient claims handling services. With its user-friendly platform and dedicated customer support team, Etiqa aims to provide a hassle-free insurance experience for travelers, empowering them to explore the world with confidence.

Whether embarking on a short getaway or a long-haul adventure, Etiqa Travel Insurance ensures Malaysians can travel with peace of mind, knowing they’re protected by a reputable takaful provider that offers flexible coverage options and comprehensive protection.

Tokio Marine earns the fifth spot with its stellar reputation for reliability and financial stability. With a legacy of trust and stability, Tokio Marine is a leading provider known for its commitment to customer satisfaction and comprehensive coverage options.

Tokio Marine’s travel insurance plans come in various product types to cater to different travel needs and preferences. The Travel Partner Plan provides essential coverage for medical expenses, trip cancellations, and baggage loss, ensuring travelers have peace of mind during their journeys. For those seeking more extensive protection, the Travel Elite Plan offers enhanced benefits such as higher medical expense coverage limits and additional compensation for travel inconveniences.

With Tokio Marine Travel Insurance, Malaysians can travel confidently knowing they’re covered for medical emergencies up to RM1,000,000, including access to Tokio Marine’s extensive network of hospitals and clinics for quality medical care. The plans also include benefits for trip cancellations or interruptions due to covered reasons, as well as reimbursement for non-refundable expenses like flight tickets and accommodation bookings.

Moreover, Tokio Marine’s travel insurance provides coverage for travel inconveniences such as baggage delays and loss, offering compensation for essential items purchased during the waiting period. Additionally, the plans include 24/7 emergency assistance services, ensuring travelers have access to immediate support and guidance wherever they are in the world.

Tokio Marine prides itself on its commitment to innovation and customer-centric solutions, offering a seamless online purchasing process and efficient claims handling services. With its user-friendly platform and dedicated customer support team, Tokio Marine aims to provide a hassle-free insurance experience for travelers, empowering them to explore the world with confidence.

Whether embarking on a leisurely vacation or a business trip, Tokio Marine Travel Insurance ensures Malaysians can travel with peace of mind, knowing they’re protected by a reputable insurer that offers reliability and tailored protection to suit their individual needs.

When selecting the ideal travel insurance plan, consider not only the rankings but also your specific travel needs and preferences. Carefully review each policy’s coverage details, limitations, and exclusions to ensure it aligns with your itinerary and provides adequate protection.

In conclusion, whether you opt for Tune, Berjaya, Generali, Etiqa, Tokio Marine, or any other company, make sure you’re choosing from the best travel insurance options for Malaysians in 2024. Prioritize your safety and peace of mind by investing in reliable coverage before embarking on your next adventure. Travel confidently, knowing you’re well-protected every step of the way.

Good news for all travellers! Generali Insurance Malaysia Berhad is running a campaign called “Parents’ Day Capture The Love” from now until June 23, 2023. This campaign aims to encourage travelers to buy travel insurance while celebrating the love and care that parents give their children.

Stand a chance to win amazing prizes like the Insta360 X3 Waterproof Camera and Lazada e-vouchers worth RM50.

All you have to do is follow this four simple steps and you will stand a chance to win the Insta360 X3 Waterproof Camera or Lazada e-vouchers worth RM50.

Click the button below to purchase Generali Travel Insurance. You can buy travel insurance for your next trip up to 6-months in advance

Click the button below and register as a member on the MPI Generali campaign page. Share your best travel hack in any country you have visited. Please feel free to share your unique experiences and tips.

Share the great news about this AXA motor insurance promotion with your friends and family and wait for MPI Generali to contact you. At the end of the campaign, the best travel hack voted by the judges will win the Insta360 X3 Waterproof Camera while the other top 14 travel hacks will win RM50 Lazada e-vouchers

After you buy travel insurance with MPI Generali, and have participated by following the steps above, how will you know if you won?

At the end of the Campaign Period, 15 Participants with the best travel-hacks will be shortlisted and voted by our panel of judges will be selected as the winners. The winners will be announced through the email.

The highest scoring travel-hack voted by the campaign’s panel of judges will be the Grand Winner while the other 14 shortlisted travel-hacks will be the Consolation Winners.

After participating when you buy travel insurance with MPI Generali, you will stand a chance to win great prizes.

The Grand Winner will receive an Insta360 X3 Camera (“Grand Prize”). The Grand Winner can collect their Grand Prize at MPI Generali Office.

The Consolation Winners will receive a Lazada e-voucher worth RM50. The Consolation Prizes will be sent to each of the Consolation Winners through their registered email address.

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Did you know that China has finally opened its borders to the outside world after nearly 3 years? During this time, the National Health Commissions of China implemented a zero-COVID policy. Now, Chinese travelers can leave the country to travel since the zero-Covid policy ended. If you are planning to travel outside of China, why not come to Malaysia? When you travel to Malaysia, you no longer have to do PCR test in advance or upon arrival. In addition, you also no longer need to do a self quarantine. Continue reading and we will discuss what else you need to know before travelling to Malaysia.

The Malaysian Health Ministry announced that all travellers arriving in Malaysia will have to undergo temperature checks for fever. This is due to concerns over a surge of Covid-19 cases in China.

Malaysia’s Immigration Department will now provide special lanes for travellers from China at international entry points, due to concerns of the Covid-19 spread in the country.

All travelers entering Malaysia will be screened through a thermal scanner. Those who are found to be ill or symptomatic, or made self-declarations, will undergo further examination.

No, as of January 2023, it is not mandatory to have travel insurance to enter Malaysia. However, it is strongly recommended to cover the medical cost in case you get sick during your travel in Malaysia. The best travel insurance plan for tourist is the COVID Travel Pass+ from Tune. With COVID Travel Pass+, you will travel with the best protection to Malaysia. It is suitable to be used for any airlines and has many medical coverage benefits which also includes Covid-19

• no PCR test in advance before departure from China

• no PCR test on arrival

• no quarantine requirement for travellers from china

• travel insurance is not mandatory but strongly recommended

COVID Travel Pass+ is a travel insurance plan to protect foreign travellers who are travelling to Malaysia. This travel insurance covers medical expenses related to COVID-19 up to MYR 350,000. This travel insurance is specifically designed for non-Malaysians who plan to travel to Malaysia.

Besides medical expenses for COVID-19, COVID Travel Pass+ also offers protection for personal accidents, travel inconveniences, medical expenses, ground inconveniences, emergency medical evacuation and repatriation due to accident, as well as 24-hour travel assistance services.

• There are 2 plans you can choose from: Basic and Premium.

  • Basic Plan – covers COVID-19 Medical expenses up to RM100,000​

  • Premium Plan – offers higher protection for COVID-19 medical expenses up to RM 350,000​

  The price are as below:

• • Hospitalisation
    This travel insurance plan covers hospitalisation related to COVID-19

  • Digital Certificate
    The COVID Travel Pass+ provides an instant digital insurance certificate provided through your email​

  • Wide Age Limit
    If you have a senior family member, we have you covered. This travel insurance plan is open to travellers aged 30 days until 70 years old

  • Fast & Easy Purchase
    No Account Registration is required when you want to purchase the travel insurance plan. You can buy online in just a few clicks.

Are you planning your next vacation to China? If yes, we have great news for you. In this article, we will show you the best travel insurance to buy before you go on your trip to China.

As you already know since April 1st this year, Malaysia has transitioned to the endemic phase of Covid-19. All travel restrictions are now lifted and you have the freedom to go on vacations with your family. This is great news for Malaysians especially since the never-ending MCO (Movement Control Order) was in effect throughout the last 2 years. Let’s take a look at some of the best travel insurance to protect your trip to China.

There are Covid travel requirements when you travel to China. Visitors must present a Green Health Code OR a Green Health Declaration. You can read the full requirements here.

Documents needed to apply Health Code:

1. Electronic versions of the two (2) negative RT-PCR test with the nucleic acid test certificate with a verifiable QR code:

   1. within 48 hours before departure date

   2. within 24 hours before departure date

2. Electronic version of the flight itinerary to China

3. Proof of vaccination (if any)

4. Valid international travel document information page

Yes and no. Unlike Singapore, where you need to have a travel insurance that covers medical expenses if you fall sick, China does not require you to have a travel insurance.

However, we strongly recommend you to buy travel insurance to protect you from unexpected expenses due to Covid-19. Here are some additional reasons why you need travel insurance especially during this pandemic.

1. Covid-19 Coverage
   Even if you are fully vaccinated, there is a very high chance that you get sick from Covid-19 today. You will require hospital care if your symptoms become severe. If you do not require hospital care, you will be required to quarantine. This will cost you more money especially when you extend your stay in the hotel during your quarantine period.

2. Cancellation Risk
   You will be forced to cancel your trip on short notice if you get sick from Covid-19 before you go on the trip. There is a chance of this happening even if you are fully vaccinated. Therefore, it’s important to get travel insurance so that you will get reimbursed if you need to postpone your trip. If you decide to cancel your trip without travel insurance, you will waste every single cent that your paid. Not all travel insurance cover cancellation due to Covid. Have a careful look out: Good travel insurance will also provide cancellation protection for covid.

Below is a list of table showing some of the insurance products that are available. To make it a fair comparison, we are comparing the travel insurance products for a 42 year old person who is travelling to China for 14 days.

There are several companies that offer travel insurance to China. In the table below, you will see a comparison of 5 insurance products with different prices and coverage.

The table is arranged from cheapest to most expensive.

If you see from the table below, the cheapest is Berjaya Sompo Elite B priced at RM70.00 while the most expensive is Etiqa Platinum priced at RM90.89.

Comparing the most expensive and the cheapest, there is a big difference. As you can see, just by comparing insurance products, you will save RM20.89 which is a saving of about 23%.

The cheapest does not always mean its the best. As you can see from the table above, Berjaya Sompo Elite B only offers a medical coverage of RM300,000 while Etiqa Platinum offers a medical coverage of RM500,000. Among other difference also in the travel delay, cancellation, death or permanent disability and Covid-19 coverage.

As you can see, there is a big difference in terms of benefits when you buy Etiqa Platinum instead of Berjaya Sompo Elite B.

As we saw Etiqa Platinum has a lot of benefits. Does it mean that it’s the best? This is also not necessarily true. As you can see, from the table below, we will now be comparing the most expensive product (Etiqa platinum) to another product (Berjaya Sompo Elite A) which is slightly cheaper.

Both products have the same medical coverage and losses/damages to baggage coverage. However, if you notice, Etiqa does not come with Covid-19 coverage. If you want Covid-19 protection, it comes at an extra cost which will be more than RM90.89. On the other hand, Berjaya Sompo Elite A comes with Covid-19 coverage and is RM8.14 cheaper. That is a saving of 8.9%.

As you can already tell, the best travel insurance for a trip to China goes to Berjaya Sompo (Elite A). This plan is worth every single cent of your money as it is among the highest medical coverage RM500k, offers losses or damages to baggage up to RM5k and inclusive of Covid-19 coverage.

Introducing you the iBanding Travel Insurance grading system. To help you select the insurance with the best coverage, we have introduced the iBanding Grading system. Our benchmark for a good travel insurance product is as follows:

• Medical Expenses: RM200k

• Baggage Loss: RM5k

• Baggage Delay: RM800

• Travel Delay: RM3k

• Travel Cancellation: RM15k

• Missed Departure: RM1k

• Missed Connection: RM200

• Covid Cancellation: RM5k

• Covid Medical Coverage: RM200k

• Covid Evacuation: RM200k

If the insurance product fulfills all those requirement the product gets the highest grade which is A+. Insurance products that do not cover most of the minimum requirement will get a D grade.

As you can see from the comparison above comparing travel insurance before you buy will help save a lot of money. It is very important to compare before you buy travel insurance. Buying the cheapest or the most expensive travel insurance does not always guarantee that you are buying the best.

Besides that, you will also get to know the best travel insurance companies when you compare travel insurance through the iBanding travel insurance grading system. This way, you will not waste your money paying for a travel insurance product that is not good.

2022: Best Travel Insurance For Your Family Vacation

Are you planning to travel during Covid-19? With the Malaysian borders now open, you must be planning your dream vacation. Nowadays, you can get Covid anytime and anywhere, which can ruin your dream vacation and cost you a lot of money. It is important to prepare for any kind uncertainty of being infected with Covid-19 even before your vacations starts or during your vacation. This is why we have come up with the 3 Must DOs to protect your vacation from a Covid-19 disaster which may end your trip.

Check out which are the top travel insurance companies for single travellers in 2022 here.

Must DO #1: Check entry requirements for your destination

Even before you start your flight, you need to make sure that you prepare and fulfil the Covid-19 test and vaccination requirements. The airline will check if you fulfil the requirements before you can board the plane for your vacation. If you do not fulfil the requirements or test positive before your flight, you will need to cancel your vacation.

Here is a list of pre-departure requirements for travel during Covid-19 to some of the most popular countries.

Must DO #2: Buy travel insurance

What happens if you test positive shortly before your flight? The airline will refuse to allow you to start your trip and you will need to cancel or reschedule your vacation. This can be expensive. Travel insurance will pay for your flight cancellation or reschedule. This is only one of the many benefits that travel insurance provides. During your trip, travel insurance will also pay for your medical bills when you have Covid abroad.

Must DO #3: Compare travel insurance

Malaysia has more than 10 companies that sell travel insurance packages. Which one is the best? Which one is the cheapest? iBanding has launched a new service to help you compare and save more than 25% on travel insurance. It’s free and no obligation to buy. Click below to start comparing now!

2022: Best Travel Insurance For Your Family Vacation

When was the last you went on a vacation with your family? Family vacations have been proven to be good for your mental health as it helps you relax and be happier. Did you know since April 1st this year, Malaysia has transitioned to the endemic phase of Covid-19. All travel restrictions are now lifted and you have the freedom to go on vacations with your family. This is great news for Malaysians especially since the never-ending MCO (Movement Control Order) was in effect throughout the last 2 years. In this article, we will show you a list of travel insurance you can buy before you go on your next family vacation.

Travel insurance is a type of insurance protection. You can buy it to protect you and your family against financial losses such as missing your flight due to delay, losing your luggage at the airport and more. Besides that, travel insurance also compensates you for any medical expenses throughout your travel period. Travel insurance is a one time payment and you buy it only for the duration of your family vacation.

#1

Best Travel Insurance For Family

Buy Now at AXA Malaysia

When you are travelling with family, you need to be prepared for various situations. Here are among some of the reasons why travel insurance is important if you travel with your family.

1. Getting Sick:
   This is the most common risk you have to be prepared for. When travelling, especially abroad you and your family are at risk of falling sick. There are times when you visit countries where the climate and weather is different from your home country. You will be at risk of catching a cold or having fever from the change in temperature. For example, if you are travelling to Australia, you have to be prepared for cold temperatures. The temperature can go low up to -23 degrees when it’s snowing in July and August. If your body is not used to low temperatures, you will fall sick. Getting medical treatment in a different country can be very costly. For example, if you are in visiting Australia the currency exchange rate is 3 times higher than Malaysia. This is why it is important to have a high medical coverage when you buy travel insurance.

2. Cancellation Risk:
   Cancellation is important especially if you travel with your family. When you travel as a family, there are many people involved in a trip that can lead to cancellation of the trip. Especially if you travel with children, there is a higher chance of them or anyone else getting unexpectedly sick and not being able to go on the vacation. Therefore, it is important to choose a travel insurance which offers to pay if you decide to cancel on your family vacation. Without this, you will lose all your money if you decide to cancel on your vacation.

3. Covid Coverage:
   In the times of Covid-19, there is a very high chance that you will be infected with the virus during your vacation. If you fall sick and get any symptoms of Covid-19, you will need to get treatment in a hospital. As mentioned earlier, there may be countried where the currency exchange rate is very high and you will not be able to afford medical treatment. This is why it is important to have a travel insurance plan that has Covid-19 coverage.

Companies that you compare travel insurance for family:

#	Company	User Rating	Product Name	Webpage friendliness
1	Allianz Buy Online	(916 reviews)	Travel Easy	VERY EASY
2	AXA Affin Buy Online	(233 reviews)	Smart Traveller	VERY EASY
3	Etiqa Takaful Buy Online	(2,514 reviews)	TripCare 360 (Takaful)	VERY EASY
4	Berjaya Sompo Buy Online	(167 reviews)	Travel Safe Plans A,B,C	VERY EASY
5	Tokio Marine Buy Online	(243 reviews)	Travel Partner	VERY EASY
6	Tune Insurance Buy Online	(88 reviews)	Travel Easy	VERY EASY
7	AIG Malaysia Buy Online	(220 reviews)	Starter, Basic, Standard, Deluxe	EASY

We took a quick look at the prices for a sample trip of 7 nights to Australia for a family of 4 travelers (2 adults, 2 children). The screenshots below show the final prices with ‘stamp duty’ and rebate included.

Here are the results:

When it comes to buying anything, as a Malaysian we always want to know which is the cheapest. We do not want to pay more money if we can get something for a cheaper price. Below is a table showing the prices (lowest to highest) of travel insurance for a 7 day trip to Australia with 2 adults and 2 children.

Note: All plans have Covid-19 coverage included (either as add-on or inclusive)

Ranking	Company	Product Name	Medical Coverage	Cancellation Reimbursement	Covid Coverage	Final Price
1	Tokio Marine	Tokio Marine Explorer Basic P100	RM100,000 per person	N/A	Included	RM89.50
2	AXA	AXA TravelOnline VIP	RM900,000 per family	RM60,000 per family	Add-On	RM146.12
3	Berjaya Sompo	Travel Care Elite B	RM300,000 per person	RM15,000 per person	Included	RM172.00
4	Allianz	Allianz Travel Easy Plan A	RM200,000 per person	RM25,000 per person	N/A	RM196.00
5	Tune	Travel Covid Plus	RM300,000 per person	RM5,000 per person	Included	RM196.75
6	Etiqa	Tripcare 360 Takaful (Gold)	RM300,000 per person	RM15,000 per person	Add-On	RM311.35
7	AIG	AIG Travel Basic	RM250,000 per person	RM7,000 per person	Included	RM478.00

As you can see, the cheapest is Tokio Marine priced at RM89.50 for a trip to Australia for 7 days with 2 adults and 2 children. The most expensive on the list is AIG priced at RM478. Comparing the cheapest and most expensive, you save RM388.50 when you buy from Tokio Marine. If you buy from AIG, you are paying more than 5 times higher compared to Tokio Marine.

The obvious answer is No. When it comes to insurance, the cheapest insurance is not always the Best Travel Insurance for your family. The better question to ask is “Which Travel Insurance is the BEST for my family?“. If we look at the cover for Medical Expenses and Cancellation Reimbursement, we immediately notice that Tokio Marine only covers Medical Expenses for RM 100,000 per person compared to AXA that includes Medical Expenses of up to RM 900,000 per family. That difference is huge! In addition, AXA also covers Cancellation Reimbursement up to RM60,000 while Tokio Marine does not offer this.

	Company	Product Name	Medical Coverage	Cancellation Reimbursement	Covid Coverage	Final Price
Cheapest	Tokio Marine	Tokio Marine Explorer Basic P100	RM100,000 per person	N/A	Included	RM89.50
Most Expensive	AIG	AIG Travel Basic	RM250,000 per person	RM7,000 per person	Included	RM478.00

If price is not the right way to find the Best Travel Insurance, how do you find it? It actually depends on you and which selection criteria is important to you. Below, we will show a few selection criteria on how you can find which travel insurance is the BEST for your family.

1. High Medical Coverage 
   It is always important to have the highest possible medical coverage. Why? Because falling sick while you are abroad is the most common risk you have to be prepared for, especially if you are travelling with children. Children usually are at higher risk of falling sick compared to adults. When a member in your family is sick, getting medical treatment in can be very costly, especially in a different country. For example, if you are in visiting Australia the currency exchange rate is more than 3 times higher than Malaysia. This is why it is important to have a high medical coverage when you buy travel insurance.
   Selection Criteria: Medical coverage must be RM 300,000 or higher.
2. High Cancellation Reimbursement
   It is extremely important to have a high cancellation reimbursement. When you travel as a family, there are many people involved in a trip that can lead to the cancellation of the trip. There is a higher chance of them or anyone else getting unexpectedly sick and not being able to go on the vacation. Therefore, it is important to choose a travel insurance which offers to pay a high amount if you decide to cancel on your family vacation. Without this, you will lose all your money if you decide to cancel on your vacation.
   Selection Criteria: Cancellation reimbursement must be RM 15,000 or higher.
3. Covid-19 Coverage
   It is mandatory to have Covid-19 coverage if you are travelling with your family, especially since the pandemic is still ongoing in many countries. In the times of Covid-19, there is a very high chance that any of your family members get infected with the virus during the vacation. If anyone falls sick and get any symptoms of Covid-19, you will need to get treatment in a hospital. As mentioned earlier, there may be countries where the currency exchange rate is very high and you will not be able to afford medical treatment if there is no Covid coverage. This is why it is important to have a travel insurance plan that has Covid-19 coverage.
   Selection Criteria: Covid-19 coverage must be included with the plan or available as an add-on.

The table below shows the top 3 companies for family travel insurance in 2022. In choosing the Top 3 Insurance companies, we made sure the plans satisfy our selection criteria:

1. Have a medical coverage of RM300,000 or higher
2. Have a cancellation reimbursement of RM15,000 or higher
3. Have Covid-19 coverage included or available as an add-on.

Ranking	Company	Product Name	Medical Coverage	Cancellation Reimbursement	Covid Coverage	Final Price
1	AXA	AXA TravelOnline VIP	RM900,000 per family	RM60,000 per family	Add-On	RM146.12
2	Berjaya Sompo	Travel Care Elite B	RM300,000 per person	RM15,000 per person	Included	RM172.00
3	Etiqa	Tripcare 360 Takaful (Gold)	RM300,000 per person	RM15,000 per person	Add-On	RM311.35
Not Qualified	AIG	AIG Travel Basic	RM250,000 per person	RM7,000 per person	Included	RM478.00
Not Qualified	Tune	Travel Covid Plus	RM300,000 per person	RM5,000 per person	Included	RM196.75
Not Qualified	Allianz	Allianz Travel Easy Plan A	RM200,000 per person	RM25,000 per person	N/A	RM196.00
Not Qualified	Tokio Marine	Tokio Marine Explorer Basic P100	RM100,000 per person	N/A	Included	RM89.50

As you can see, the winner is AXA TravelOnline VIP which offers up to RM900,000 in medical coverage, up to RM60,000 for cancellation reimbursement and an option to have Covid-19 coverage as an add-on.

The second best travel insurance for family is Berjaya Sompo Travel Care Elite B which offers up to RM300,000 in medical coverage, up to RM15,000 for cancellation reimbursement and inclusive of the Covid-19 coverage.

The third best travel insurance for family is Etiqa Tripcare 360 Takaful (Gold) which offers up to RM300,000 in medical coverage, up to RM15,000 for cancellation reimbursement and an option to have Covid-19 coverage as an add-on.

#1

Best Travel Insurance For Family

Buy Now at AXA Malaysia

	Company	Product Name	Medical Coverage	Cancellation Reimbursement	Covid Coverage	Final Price
DISQUALIFIED	AIG	AIG Travel Basic	RM250,000 per person	RM7,000 per person	Included	RM478.00
DISQUALIFIED	Tune	Travel Covid Plus	RM300,000 per person	RM5,000 per person	Included	RM196.75
DISQUALIFIED	Allianz	Allianz Travel Easy Plan A	RM200,000 per person	RM25,000 per person	N/A	RM196.00
DISQUALIFIED	Tokio Marine	Tokio Marine Explorer Basic P100	RM100,000 per person	N/A	Included	RM89.50

As you can see from the table above, these are the 4 companies which were DISQUALIFIED from the list of Top 3 Travel Insurance For Family.

The reasons are as below:

• AIG Travel Basic
  • Did not meet minimum price on selection criteria for medical coverage
  • Did not meet minimum price on selection criteria for cancellation reimbursement
• Tune Travel Care Covid Plus
  • Did not meet minimum price on selection criteria for cancellation reimbursement
• Allianz Travel Easy Plan A
  • Did not meet minimum price on selection criteria for medical coverage
  • Did not meet minimum price on selection criteria for cancellation reimbursement
  • No Covid-19 coverage available.
• Tokio Marine Explorer Basic P100
  • Did not meet minimum price on selection criteria for medical coverage
  • No cancellation reimbursement available

If you want the BEST travel insurance for your family, then get AXA TravelOnline VIP. As seen above, this is the best you can get to protect you and your family during a family vacation.

Best Travel Insurance in Malaysia – 2022 Ultimate Guide

In this Ultimate Travel Insurance Guide, we will take a closer look at eight insurance companies to find the Best Travel Insurance in Malaysia.

Travel Insurance is a great way to protect you from unfortunate events that can cost you a lot of money. In Malaysia, we have 12 insurance companies that offer travel insurance, and it is not easy to compare them and find out which is the Best Travel Insurance for you.

The benefit of buying online is that it is fast and you can even do it on your way to the airport when you have forgotten to buy it. The other benefit is that many insurance companies offer an additional discount when you buy online.

7 Malaysian Insurance companies where you can buy Travel Insurance Online

Source: Rating and Review counts are from http://review.ibanding.my dated 16.05.2022

5 Malaysian Insurance companies that sell Travel Insurance Offline

Source: Rating and Review counts are from http://review.ibanding.my dated 16.05.2022

Buying Travel Insurance online is Easy

We took a closer look at the webpages from all the seven insurance companies that offer travel insurance online and surprisingly, all of them are Easy to Very Easy to use. For most webpages, all you need to provide is the below information, and you can get a price on your travel insurance:

1. Who is travelling? Single, Family or Group
2.  Where are you going to?
3. From when to when are you travelling?
4. Do you want to buy a single trip or an annual plan?

If you compare it to buying car insurance online, buying travel insurance is much easier even if you do not know much about insurance. And if you are still unsure? Keep on reading; we will show you how we found the Best Travel Insurance for us.

Which travel insurance is the cheapest?

Many people like us, when it comes to buying anything, we look at the price and ask, which is the cheapest travel insurance? It is a typical question to ask because when we buy something, we do not want to pay more money if we can get it more affordable. We took a quick look at the prices for a sample trip of 7 nights to Japan for a single 30-year-old traveller. You might say that you are not travelling to Japan and it does not help you. But our example will give you a rough idea of how big the difference is between the insurance companies. You can then select a few companies to do your research and find the right insurance for you. Here are the results:

What a difference in prices!

The price range for travel insurance goes from the cheapest RM 27 up to RM 54. The excellent news, Travel Insurance, is cheap. So Travel Insurance is something that everyone can afford. Especially if you consider that not having travel insurance can cost you up to RM 250,000 in medical expenses if you fall sick in another country.

If you look at the products, there are 7 possible Malaysian Travel Insurances that you can buy online. Some companies like AIG offer different product levels so that there are more travel products than insurance companies.

Our question “What is the cheapest travel insurance?”  is easy to answer. In our case, it is AIG Malaysia Starter that only costs us RM 27.00. It is so much cheaper than a 5-piece Chicken combo at KFC.

But Wait !! Is Cheaper = Better?

The obvious answer is No. When it comes to insurance, the cheapest insurance is not always the Best Travel Insurance for you. The better question to ask is “Which Travel Insurance is the BEST for me?“. If we look at the cover for Medical Expenses and Travel Delay, we immediately notice that AIG Malaysia Starter only covers Medical Expenses for RM 100,000 compared to Allianz Travel Easy that includes Medical Expenses of up to RM 200,000. That difference is huge! In addition, Allianz also covers Travel Cancellation up to RM25,000 while AIG does not offer this.

Which Travel Insurance is the Best for me? 

So if the price is not the right way to find the Best Travel Insurance, how do you find it? Many professional agents will agree that the answer is “It depends on you”. How many insurances do you already have? Are you married or single? Do you have a house loan that needs to be paid or you live with your parents. So yes, it might be worth talking to someone who is an insurance agent or someone who works for an insurance company to get their advice and opinion.

Once you learn more about Travel Insurance and how it protects you during your vacation, you can then decide for yourself. Below, we will give you a general step-by-step guide on how you can find which travel insurance is the Best for you. Legal disclaimer here, we are not a licenses insurance agent or financial advisor, and we do not sell insurance. So, the guide is our opinion, and you should talk to many people to get their views before buying insurance. 

Step 1: What is the biggest worry when travelling?

In the first step, you need to brainstorm what would be something that you think could happen to you and cost a lot of money, when it happens during your travel. For example, the following three events occur most often to people when they fly to another country for vacation.

1. The flight delays more than six hours

The number one things that can happen during your trip is a flight delay. A flight delay of a few hours is inconvenient, but the world does not end, and you can still enjoy your vacation. If a flight is delayed more than six hours, then very often a lot of additional costs pop-up. You will miss your connecting flight. You have to stay for one more night in a foreign country without any hotel bookings. Many things that you did not plan for and cost extra money.  If your flight is cancelled or delayed overnight and you need to spend another unplanned night => DISASTER. iBanding CEO Luke Roho described his experience of a cancelled flight with AirAsia in this article What I Did When My AirAsia Flight Was Cancelled and How I Received RM 700 for It

Flight delay is the most essential protection we are looking for.

2. Luggage is delayed or lost

You arrive at your vacation destination, and your luggage is missing. Your warm jacket on your winter trip to Japan is in the bags, and now you are freezing outside in Tokyo. Your business suit or dress for the meeting is missing. If your checked-in luggage is missing for more than a day, you most likely will need to buy extra clothes, toothbrush, soap and many more things to enjoy your vacation still. You do not waste time waiting in your hotel room for your luggage to arrive. You want to make the most of the limited time you have to enjoy your vacation. If your baggage is delayed or missing, then you need to spend a lot more money to enjoy your vacation still. A lot of money that you might not have or planned to use for tours, food, etc. instead of clothing.

Luggage delay is the second important protection we are looking for in a Travel Insurance.

3. You get sick during your vacation

Another worry, when travelling in countries where the living costs are much higher than Malaysia is Medical Expenses. Many Malaysians, when they go to another country for the first time, get sick, because they are not used to the different temperatures and environment. We are just not used to the different seasons like spring, fall and winter. In Malaysia, it is always summer. Hot dry or hot rainy.

You like to eat out and adventure on a food journey Makan-Makan? If you are this kind of person, then food poisoning is no stranger to you. If you get sick on your vacation, you might not be able to wait until you get home to see a doctor. Then going to the doctor or the hospital abroad is not cheap. A doctor visit as a foreigner in Japan can cost you about RM 220 – 730 because as a foreigner you pay even more than locals.   The low ringgit and the high exchange rate makes a doctor or hospital visits in developed countries like Japan, Korea, Australia or the US cost a fortune. The worst part is if you have an accident or need to get admitted to the hospital. Then the cost can go quickly into the hundred thousands of ringgit.

Medical Expenses is the third most crucial protection when we look for Travel Insurance.

So in our example cases, those are the three things that worry us the most: Flight delay, Delayed Luggage and Medical Expenses. You might ask, what about all the rest like Personal Accident, Permanent Disablement, Hospital Income, Funeral Expenses and more more more?

The BEST Travel Insurance in Malaysia for you only

Just by taking two simple steps, (1) Setting what protection is most important to you and (2) Setting what is the amount of protection you need, we have reduced the number of possible Travel Insurance products from 11 products to 8 products and are now able to put them into a ranking that you see below. At the top is the insurance that matches our criteria the most. At the bottom is the travel insurance that matches our needs the least.

3 Travel Insurance Products that can be the BEST for you

The current ranking shows Berjaya Sompo travel insurance as the BEST because it pays the highest after 6 hours of travel delay (RM 200), a high RM 800 for Luggage Delay after 6 hours and a high medical coverage at RM250,000. This also fulfils our requirement of RM 200,000 for medical expenses.

Berjaya Sompo travel insurance costs RM 37.00 and is just RM4.50 extra than AXA Affin Classic, but the medical coverage from Berjaya Sompo is 5 times higher. Also, AXA Affin Classic does not pay you any support when there is a Travel Delay. Berjaya Sompo pays you RM200 for every 6 hours of the delay. If you look for value for money, then Berjaya Sompo is clearly the value for money winner.

On second place we have Tune. It pays RM200 after 6 hours of travel delay, pays up to RM1,000 for Luggage Delay and a medical coverage of RM300,000

Best Travel Insurance for Single Traveler:

Berjaya Sompo

Buy Now at Berjaya Sompo

The insurance that fulfils our needs and is the best is Berjaya Sompo Travel Safe. Berjaya Sompo’s Travel insurance provides RM 200 after 6 hours of flight delay. Berjaya Sompo Travel Safe also covers medical expenses up to RM 250,000, which is the highest and fulfils the minimum amount we require. Berjaya Sompo Travel Safe costs RM 37.00 for our trip.

Summary:

Best Travel Insurance Malaysia has to offer is:

1. Berjaya Sompo – Travel Safe Elite C
2. Tune – Travel Easy Basic
3. Allianz – Travel Easy

15% Discount on Motor Insurance From Berjaya Sompo

Discount 15% on Medical Insurance From Berjaya Sompo

Do you agree with our list? In your opinion, which insurance company provides the best travel insurance in Malaysia?

In this article, we will discuss the difference between general insurance and life insurance. We will discuss on the types of general insurance and the types of life insurance. In addition, we will also discuss on who needs general insurance/life insurance and who does not need them. Insurance is essential for you to be able to focus on the important things in life since it provides financial protection for you and your family in the event of an unforeseen situation.

Find out which do you need? General insurance or life insurance?

Since it is almost impossible to live a risk-free life, insurance is there to protect you from these risks. Insurance can be divided into two categories: General and Life. General insurance protects your belongings from accident. It is also known as non-life insurance, because this insurance covers all the insurances that are not Life related.

In simple words, general insurance covers almost everything other than your life. Example of general insurances are:

• Motor insurance

• Fire insurance

• Home insurance

• Health insurance

• Travel insurance

• Accident insurance

You can choose the type of risks from which you would like to protect yourselves from by simply selecting the right policy with the features you need. General insurance policies usually provide coverage for about one year and premiums are paid on a one-time basis.

General insurance can give you protection in a variety of areas such as accident, fire, health, travel and others. If you have started working, you will be attracted to buy valuable items such as a car, house and vacations. If you do not earn much or do not have much savings, you cannot afford to lose the valuable items you have bought. This is when having general insurance will protect you. In other words, general insurance can protect you from risks that you cannot bear on your own.

Here are some examples of how general insurance can protect you and who should buy them:

Life is uncertain and any unpredictable event may occur at any moment. That is why life insurance is there to protect you and your family financially when bad events happen. Life insurance gives financial stability, aids in the repayment of debts, aids in covering living expenses, and aids in the payment of any medical or final expenditures. When you buy life insurance, you will set a fixed amount, for example RM100,000, that will be paid out to you or your family for the worst event. This is similar to car insurance were the sum insured is the value of your car. The sum insured is paid in full when your car is stolen. In life insurance, a stolen car is equal to death, where the sum insured is paid full to your family.

You normally will pay a regular monhtly amount for an agreed sum insured for your life insurance.

There are 7 types of life insurance. The table below shows the types of life insurance and their brief descriptions.

Although life insurance is a significant protection policy, not many people are aware of its importance. Individuals and families with no life insurance have no choice but to bare the high costs in case of an unfortunate event like accident, disabilities or death. According to OECD in 2019, 12 out of 100 people have life insurance in the US compared to only 5 out of 100 people having life insurance in Malaysia.

The main idea of life insurance is to provide financial assistance to you and your family in the event of an accident, disability or death. Life insurance will cover the high cost in the event of an unfortunate event that happens. If you are married and you support your family, we recommend for you to get life insurance. This is because, in the case that something unfortunate like an accident, disability or death happens to you, you and your family will receive financial aid.

Here is how life insurance can protect you and your family:

Accident:
If you have life insurance and get into an accident which causes severe injuries, the insurance company will pay you and your family the sum insured for your life insurance.

This financial aid can be used to spend on your medical treatment and buying the necessary medical equipment. In addition, it can also be used to cover for your family’s expenses (food, rent) while you are in the hospital.

Disability:
If you have life insurance and get into any disabilities due to an injury or accident, the insurance company will pay you and your family the sum insured for your life insurance.

This financial aid can be used to spend on your medical treatment, installing modifications to your home or car to accommodate your disability or hiring a full time house helper. In addition, it can also be used to cover for your family’s expenses (food, rent) while you are in the hospital.

Death:
If you have life insurance and have passed away, the insurance company will pay your family the sum insured for your life insurance.

This financial aid can be used to cover your family’s expenses when you are not around and help them get back on their feet financially.

General Insurance

Life Insurance

Are you looking for the best travel insurance? 11.11. Single Day offers great discounts and specials on  travel insurance. Berjaya Sompo Insurance offers you a great deal on travel insurance for your next trip.

Buy your travel insurance today from Berjaya Sompo and enter to win 11 Extra Entries to win RM3,000 worth of Uniqlo gift cards. T&C apply.

Buy a travel insurance today and enter to win RM 200 Uniqlo Gift Vouchers.

How to Win?

1. Purchase travel insurance online at https://my.ibanding.com/6603c
   Applicable for group or family or annual plan policy holders
2. You’re done and you are automatically enrolled in this campaign.
3. 11 extra entries when you purchase on 11.11.2019 (Singles’ Day)
4. 15 lucky winners will be selected randomly. Good Luck!

Best Travel Insurance in Malaysia – 2019 Ultimate Guide