AAM ASSIST, our global travel insurance takes care of you before, during and after your vacation. If something goes wrong on your trip, AAM ASSIST is there for help.

BENEFITS

• Medical Expenses
  While overseas, should you be injured or ill, AAM Assist will cover your medical expenses and services like a physician, surgery, ambulance, medication and even hospitalisation. We will reimburse up to RM300,000 and this even includes any subsequent related medical expenses incurred in Malaysia within 30 days from date of return to Malaysia up to RM30,000 in aggregate but not exceeding RM300,000.
  
  
• Evacuation and Repatriation Services
  If you have an accident or fall seriously ill, AAM Assist will organise emergency medical transport to the nearest medical facility. When you are fit to leave the hospital and if your medical condition so requires, we will repatriate you to your home, absolutely free and without limit. This repatriation service is also extended to you in the unfortunate event of death.
  
  
• Compassionate Visit and Child Guard
  If you are hospitalised for more than 5 days and your medical condition forbids your repatriation, AAM ASSIST will provide a round trip economy class air ticket for a family member to be at your bedside. In addition, an amount of up to RM500 per day will be given to your family member for the cost of his stay until you return home.
  
  If you are hospitalised and accompanied by a minor child and if no adult accompanies you, AAM ASSIST will organise and pay for a round trip economy class air ticket for a family member to take care of the minor children an accompany them home. An amount of up to RM500 per day will also be reimbursed of his cost of stay.
  
  
• Cancellation Benefit
  This is the only benefit that is operative from the moment the Policy is issued until the departure time of your trip. During this period, if it is necessary for you to cancel your trip due to serious illness, injury or death to you or your immediate family or damage to your residence due to natural disaster, you will be compensated for any prepaid irrecoverable deposits related to the cancelled trip.
  
  
• Curtailment Benefit
  In the event of unforeseen circumstances like serious illness, injury or death to you or your immediate family or damage to your residence due to natural disaster and that you need to curtail your trip and return to Malaysia, AAM ASSIST will reimburse you for the unused and non-refundable part of your trip in proportion to the non-used days, up to a maximum of RM18,000.
  
  
• Baggage Related Benefit
  Should your baggage be delayed more than 8 hours whilst overseas due to misdirected deliveries, you will be reimbursed for any emergency purchase of essential items like clothing and toiletries up to the maximum limits applicable to the selected plan.
  
  
• Other AAM ASSIST Benefits
  
1. Personal Accident.
2. Personal Liability of up to RM1 million (Covers you against legal liability for bodily injury or property damages caused to a third party due to your negligence).
3. Loss of Travel Documents (That includes the subsequent additional accommodation and travel expenses or telecommunication bills like telephone or facsimile charges).
4. Loss of Money (Includes cash, bank or currency notes as long as the loss is reported to the Police within 24 hours).
5. Flight Delay (excluding chartered flight) of RM200 for the first 8 hours from the departure time, and RM300 subsequently for every 8 hours, up to RM3,200.
6. Hospital Income RM250 per day up to a maximum of 60 days.
7. Compassionate Visit in the event of Death of the Insured Person.
8. Child Education Fund up to RM5,000 due to insured's death.
9. Flight Misconnection.
   
   
• Special Features of AAM ASSIST
  
1. Winter sports or scuba diving are include without extra premium.
2. Maximum period of cover stretches up to 182 days.
3. Age limit of up to 80 years.
4. Includes one way cover.
5. Nil excess for medical coverage.
   
   
• General Information
  
1. You can only be covered under such one policy for the same trip. No extension to period of insurance is allowed.
2. A trip shall involve return to Malaysia within the period of insurance and in no event exceeding 182 days.
   
   
• Commencement Of Coverage
  
1. Travel Cancellation Cover is effective from the date of purchase until the date of departure.
2. Other coverages are effective from the date of departure.
   
   
• Duplicate & Refund Coverage
  
1. If the insured person(s) is /are covered under more than one AAM ASSIST Global Travel Protection policy for the same trip, only the first of these policies (by policy number) will be enforced in the event of any claims made.
2. No refund of premium is allowed once the policy has been issued.
   
   
• Claims Procedure
  To ensure prompt processing of your claim, please submit a completed claim form along with the original Insurance Certificate, Proposal From and all supporting documents. Please retain a copy for your own records.
  

YOUR COVERAGE IN SUMMARY

Benefits Maximum Amount Medical & Evacuation Expenses Medical Expenses Follow Up Treatment Hospital Income Emergency Medical Evacuation & Repatriation Compassionate Visit (Due to hospitalisation of Insured) Compassionate Visit (Due to Insured's death) Child Guard Travel Incovenience Benefits Cancellation Curtailment Flight Delay Flight Misconnection Baggage Delay Loss of Baggage & Personal Effects Loss of Travel Documents Loss of Money 24-hrs Worldwide Travel Assist Child Education Fund (Due to Insured's death) Personal Liability Personal Accident Benefits Personal Accident Up to RM300,000 Up to RM30,000 (up to 30 days subject to Medical Expenses Limit) Hospital Income Up to RM15,000 (RM250 per day, max. up to 60 days) Unlimited Travel cost (Economy-Class Ticket) + up to RM500 per day for accomodation & travelling expenses Up to RM5,000 Travel cost (Economy-Class Ticket) + up to RM500 per day for accomodation & travelling expenses Up to RM18,000 Up to RM18,000 Up to RM3,200 (RM200 for first 8-hour, RM300 for every subsequent 8-hours) Up to RM500 Up to RM700 per person for more than 8-hour delay Up to RM5,000 Up to RM5,000 Up to RM750 Included RM5,000 RM1,000,000 RM200,000

PREMIUM TABLE

Scope Of Coverage Period Of Insurance Insured Only Insured & Spouse Insured & Children Family Region 1 Region 2 Region 3 1-5 days 6-10 days 11-18 days 19-31 days Each additional week or part 1-5 days 6-10 days 11-18 days 19-31 days Each additional week or part 1-5 days 6-10 days 11-18 days 19-31 days Each additional week or part 28 43 73 116 20 40 59 101 166 30 49 89 150 235 45 56 86 145 232 40 80 118 202 332 60 98 178 300 470 90 40 63 119 174 30 58 84 152 249 48 81 109 219 353 75 68 106 192 290 50 98 143 253 415 78 130 198 369 588 120

NOTES

• The Family Plan shall include you and your legal spouse and all your accompanying children aged below 18 years old.
• Your spouse coverage is equal to yours. Each of your child receives the same benefit amount as your except personal accident where each child shall be entitled to receive 25% of your benefit.
• However in no event under the family plan shall the total liability of the company exceed 300% of each of the benefit stated and 200% of personal accident benefit.

Region 1    :    Malaysia (East to West Malaysia or vice versa), Singapore, Thailand, Indonesia, Brunei, Philippines, Myanmar, Cambodia, Laos, China, India, Korea, Sri Lanka, Taiwan, Vietnam, Hong Kong, Macau, and Pakistan Region 2    :    Worldwide excluding USA / Canada Region 3    :    Worldwide including USA / Canada

How To Apply

Call us now for a no obligation quotation at AAM Insurance Department :- 03 - 2162 0216.
You can also walk in to anyone of AAM's offices for an immediate travel insurance cover.