Generali Malaysia has been long associated with travel insurance.
Protect yourself & your family against accidents and unexpected events, anywhere in the world
What travel insurance plans does Generali Malaysia offer?
Generali Malaysia provides only one travel insurance plan - their signature SmartTraveller plan which is then further categorized as below:
SmartTraveller | Single Trip | Classic VIP Easy |
Annual | Gold Platinum Easy |
Available for individuals and families, the main features of this plan start from trip inconveniences such as travel or baggage delay right up to emergency medical expenses.
This will also depend on what plan you opt for.
Do note that the SmartTraveller Easy plan is only available to be purchased over the counter.
Areas of coverage
Not all insurance companies provide coverage for the same countries. Generali Malaysia separates its covered countries into 3 areas:
Area 1: Australia, Brunei, Cambodia, China (excluding Mongolia, Nepal & Tibet), Hong Kong, Macau, India, Indonesia, Japan, South Korea, Laos, Myanmar (Burma), New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand, and Vietnam.
Area 2: All countries worldwide EXCLUDING USA, Canada, Iran, Syria, Belarus, Cuba, Democratic Republic of Congo, North Korea, Somalia, Sudan, South Sudan, Crimea (including Sevastopol), Russia, Ukraine, Zimbabwe, and Malaysia.
Area 3: All countries worldwide EXCLUDING Iran, Syria, Belarus, Cuba, the Democratic Republic of Congo, North Korea, Somalia, Sudan, South Sudan, Crimea (including Sevastopol), Russia, Ukraine, Zimbabwe, and Malaysia.
Features and available coverage
To enjoy the most comprehensive coverage available, SafeTraveller’s Gold and Platinum Annual Plans are hard to beat. For a quick travel insurance plan which covers just the basics on the other hand - SafeTraveller Easy might be your best bet.
Single Trip (Personal Accident) | ||||||||
Coverage | Classic | VIP | Easy | |||||
Individual | Family | |||||||
Individual | Family | Individual | Family | International | Domestic | International | Domestic | |
Accidental death | ✔ | ✔ | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Permanent disablement | ✔ | ✔ | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Child education fund | N/A | N/A | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Single Trip (Medical-related Expenses) | ||||||||
Coverage | Classic | VIP | Easy | |||||
Individual | Family | |||||||
Individual | Family | Individual | Family | International | Domestic | International | Domestic | |
Medical expenses | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Compassionate visitation | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Child care benefit | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Follow-up medical treatment | ✔ | ✔ | ✔ | ✔ | N/A | N/A | N/A | N/A |
Hospital allowance | N/A | N/A | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Quarantined cover as a result of pandemic influenza | N/A | N/A | ✔ | ✔ | N/A | N/A | N/A | N/A |
Emergency medical repatriation / evacuation | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Repatriation of mortal remains | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Alternative Medical Treatment | N/A | N/A | ✔ | ✔ | N/A | N/A | N/A | N/A |
Single Trip (Travel Inconveniences) | ||||||||
Coverage | Classic | VIP | Easy | |||||
Individual | Family | |||||||
Individual | Family | Individual | Family | International | Domestic | International | Domestic | |
Baggage loss or damage | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Personal documents and cash | N/A | N/A | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Loss of deposit or cancellation | N/A | N/A | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Travel curtailment | N/A | N/A | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Travel overbooked / misconnection | N/A | N/A | ✔ | ✔ | N/A | N/A | N/A | N/A |
Hijacking | N/A | N/A | ✔ | ✔ | N/A | N/A | N/A | N/A |
Missed flight | N/A | N/A | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Rerouted flight | N/A | N/A | ✔ | ✔ | N/A | N/A | N/A | N/A |
Fraudulent credit card usage | N/A | N/A | ✔ | ✔ | N/A | N/A | N/A | N/A |
Personal liability | N/A | N/A | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Home care | N/A | N/A | ✔ | ✔ | N/A | N/A | N/A | N/A |
Rental car excess | N/A | N/A | ✔ | ✔ | N/A | N/A | N/A | N/A |
Ransom due to kidnapping or hostage | N/A | N/A | ✔ | ✔ | N/A | N/A | N/A | N/A |
Annual (Personal Accident) | |||||||
Coverage | Gold | Platinum | Family | Easy | |||
Individual | Family | ||||||
International | Domestic | International | Domestic | ||||
Accidental death | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Permanent disablement | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Child education fund | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Annual (Medical-related) | |||||||
Coverage | Gold | Platinum | Family | Easy | |||
Individual | Family | ||||||
International | Domestic | International | Domestic | ||||
Medical expenses | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Compassionate visitation | ✔ | ✔ | ✔ | ✔ | ✔ (for hospitalization only) | ✔ | ✔ (for hospitalization only) |
Child care benefit | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Follow-up medical treatment | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Hospital allowance | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Quarantined cover as a result of pandemic influenza | ✔ | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Emergency medical repatriation/evacuation | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Repatriation of mortal remains | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Alternative Medical Treatment | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Annual (Travel Inconveniences) | |||||||
Coverage | Gold | Platinum | Family | Easy | |||
Individual | Family | ||||||
International | Domestic | International | Domestic | ||||
Baggage loss or damage | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Personal documents and cash | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Loss of deposit or cancellation | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Travel curtailment | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Travel overbooked / misconnection | ✔ | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Hijacking | ✔ | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Missed flight | ✔ | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Rerouted flight | ✔ | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Fraudulent credit card usage | ✔ | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Personal liability | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Home care | ✔ | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Rental car excess | ✔ | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Ransom due to kidnapping or hostage | ✔ | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Replacement traveller | ✔ | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Golf/sports equipment | ✔ | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Exclusions
As with most other insurance companies, Generali Malaysia does not provide coverage for general exclusions such as losses arising from pre-existing medical conditions, suicide, or self-harm as well as alcohol and drugs. Other exclusions include losses arising from:
Number of Persons | Destination | Length of Stay | Classic Plan Premium |
Individual | Area 1 | 1 - 5 | RM 17 |
6 - 10 | RM 26 | ||
11 - 18 | RM 36 | ||
19 - 31 | RM 43 | ||
Area 2 | 1 - 5 | RM 25 | |
6 - 10 | RM 36 | ||
11 - 18 | RM 53 | ||
19 - 31 | RM 69 | ||
Area 3 | 1 - 5 | RM 31 | |
6 - 10 | RM 49 | ||
11 - 18 | RM 71 | ||
19 - 31 | RM 103 | ||
Family | Area 1 | 1 - 5 | RM 41 |
6 - 10 | RM 62 | ||
11 - 18 | RM 91 | ||
19 - 31 | RM 131 | ||
Area 2 | 1 -5 | RM 60 | |
6 - 10 | RM 84 | ||
11 - 18 | RM 125 | ||
19 - 31 | RM 175 | ||
Area 3 | 1 - 5 | RM 76 | |
6 - 10 | RM 116 | ||
11 - 18 | RM 167 | ||
19 - 31 | RM 239 |
Number of Persons | Destination | Length of Stay | VIP Plan Premium |
Individual | Area 1 | 1 - 5 | RM 35 |
6 - 10 | RM 52 | ||
11 - 18 | RM 78 | ||
19 - 31 | RM 98 | ||
Area 2 | 1 - 5 | RM 50 | |
6 - 10 | RM 74 | ||
11 - 18 | RM 112 | ||
19 - 31 | RM 140 | ||
Area 3 | 1 - 5 | RM 64 | |
6 - 10 | RM 96 | ||
11 - 18 | RM 143 | ||
19 - 31 | RM 183 | ||
Family | Area 1 | 1 - 5 | RM 88 |
6 - 10 | RM 130 | ||
11 - 18 | RM 195 | ||
19 - 31 | RM 245 | ||
Area 2 | 1 -5 | RM 125 | |
6 - 10 | RM 185 | ||
11 - 18 | RM 280 | ||
19 - 31 | RM 350 | ||
Area 3 | 1 - 5 | RM 160 | |
6 - 10 | RM 240 | ||
11 - 18 | RM 358 | ||
19 - 31 | RM 458 |
Number of Persons | Destination | Type of Annual Plan | Premium |
Individual | Area 1 | Gold | RM 220 |
Platinum | RM 290 | ||
Area 2 | Gold | RM 260 | |
Platinum | RM 338 | ||
Area 3 | Gold | RM 320 | |
Platinum | RM 398 | ||
Family | Area 1 | Family | RM 599 |
Area 2 | Family | RM 725 | |
Area 3 | Family | RM 820 |
Eligibility
Who is eligible to apply?
You are eligible to apply if you qualify as any of the below. For the annual travel insurance, individuals who are not eligible include students studying overseas and employees under overseas secondment.
What are the age requirements?
Fees and charges
Generali Malaysia imposes a stamp duty of RM10 for all premiums under their travel insurance plans.
FAQ
Is there a maximum period of cover?
For single-trip travel insurance, the maximum coverage period is 190 days. For annual travel insurance, the maximum coverage period is 95 days per trip, with an unlimited number of trips within the period of insurance stated in the Certificate of Insurance.
Are there any special coverages?
If you’re looking for special coverage for terrorism, scuba diving, winter sports and natural disasters, you’re in luck as Generali Malaysia does provide them at an extra premium.
Generali Malaysia provides only one travel insurance plan - their signature SmartTraveller plan which is then further categorized as below:
SmartTraveller | Single Trip | Classic VIP Easy |
Annual | Gold Platinum Easy |
Available for individuals and families, the main features of this plan start from trip inconveniences such as travel or baggage delay right up to emergency medical expenses.
This will also depend on what plan you opt for.
Do note that the SmartTraveller Easy plan is only available to be purchased over the counter.
Not all insurance companies provide coverage for the same countries. Generali Malaysia separates their covered countries into 3 areas:
Area 1: Australia, Brunei, Cambodia, China (excluding Mongolia, Nepal & Tibet), Hong Kong, Macau, India, Indonesia, Japan, South Korea, Laos, Myanmar (Burma), New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand and Vietnam.
Area 2: All countries worldwide EXCLUDING USA, Canada, Iran, Syria, Belarus, Cuba, Democratic Republic of Congo, North Korea, Somalia, Sudan, South Sudan, Crimea (including Sevastopol), Russia, Ukraine, Zimbabwe and Malaysia.
Area 3: All countries worldwide EXCLUDING Iran, Syria, Belarus, Cuba, Democratic Republic of Congo, North Korea, Somalia, Sudan, South Sudan, Crimea (including Sevastopol), Russia, Ukraine, Zimbabwe and Malaysia.
Features and available coverage
To enjoy the most comprehensive coverage available, SafeTraveller’s Gold and Platinum Annual Plans are hard to beat. For a quick travel insurance plan which covers just the basics on the other hand - SafeTraveller Easy might be your best bet.
Single Trip (Personal Accident) | ||||||||
Coverage | Classic | VIP | Easy | |||||
Individual | Family | |||||||
Individual | Family | Individual | Family | International | Domestic | International | Domestic | |
Accidental death | ✔ | ✔ | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Permanent disablement | ✔ | ✔ | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Child education fund | N/A | N/A | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Single Trip (Medical-related Expenses) | ||||||||
Coverage | Classic | VIP | Easy | |||||
Individual | Family | |||||||
Individual | Family | Individual | Family | International | Domestic | International | Domestic | |
Medical expenses | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Compassionate visitation | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Child care benefit | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Follow-up medical treatment | ✔ | ✔ | ✔ | ✔ | N/A | N/A | N/A | N/A |
Hospital allowance | N/A | N/A | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Quarantined cover as a result of pandemic influenza | N/A | N/A | ✔ | ✔ | N/A | N/A | N/A | N/A |
Emergency medical repatriation / evacuation | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Repatriation of mortal remains | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Alternative Medical Treatment | N/A | N/A | ✔ | ✔ | N/A | N/A | N/A | N/A |
Single Trip (Travel Inconveniences) | ||||||||
Coverage | Classic | VIP | Easy | |||||
Individual | Family | |||||||
Individual | Family | Individual | Family | International | Domestic | International | Domestic | |
Baggage loss or damage | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Personal documents and cash | N/A | N/A | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Loss of deposit or cancellation | N/A | N/A | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Travel curtailment | N/A | N/A | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Travel overbooked / misconnection | N/A | N/A | ✔ | ✔ | N/A | N/A | N/A | N/A |
Hijacking | N/A | N/A | ✔ | ✔ | N/A | N/A | N/A | N/A |
Missed flight | N/A | N/A | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Rerouted flight | N/A | N/A | ✔ | ✔ | N/A | N/A | N/A | N/A |
Fraudulent credit card usage | N/A | N/A | ✔ | ✔ | N/A | N/A | N/A | N/A |
Personal liability | N/A | N/A | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Home care | N/A | N/A | ✔ | ✔ | N/A | N/A | N/A | N/A |
Rental car excess | N/A | N/A | ✔ | ✔ | N/A | N/A | N/A | N/A |
Ransom due to kidnapping or hostage | N/A | N/A | ✔ | ✔ | N/A | N/A | N/A | N/A |
Annual (Personal Accident) | |||||||
Coverage | Gold | Platinum | Family | Easy | |||
Individual | Family | ||||||
International | Domestic | International | Domestic | ||||
Accidental death | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Permanent disablement | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Child education fund | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Annual (Medical-related) | |||||||
Coverage | Gold | Platinum | Family | Easy | |||
Individual | Family | ||||||
International | Domestic | International | Domestic | ||||
Medical expenses | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Compassionate visitation | ✔ | ✔ | ✔ | ✔ | ✔ (for hospitalization only) | ✔ | ✔ (for hospitalization only) |
Child care benefit | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Follow-up medical treatment | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Hospital allowance | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Quarantined cover as a result of pandemic influenza | ✔ | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Emergency medical repatriation/evacuation | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Repatriation of mortal remains | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Alternative Medical Treatment | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Annual (Travel Inconveniences) | |||||||
Coverage | Gold | Platinum | Family | Easy | |||
Individual | Family | ||||||
International | Domestic | International | Domestic | ||||
Baggage loss or damage | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Personal documents and cash | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Loss of deposit or cancellation | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Travel curtailment | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Travel overbooked / misconnection | ✔ | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Hijacking | ✔ | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Missed flight | ✔ | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Rerouted flight | ✔ | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Fraudulent credit card usage | ✔ | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Personal liability | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Home care | ✔ | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Rental car excess | ✔ | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Ransom due to kidnapping or hostage | ✔ | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Replacement traveller | ✔ | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Golf/sports equipment | ✔ | ✔ | ✔ | ✔ | N/A | ✔ | N/A |
Number of Persons | Destination | Length of Stay | Classic Plan Premium |
Individual | Area 1 | 1 - 5 | RM 17 |
6 - 10 | RM 26 | ||
11 - 18 | RM 36 | ||
19 - 31 | RM 43 | ||
Area 2 | 1 - 5 | RM 25 | |
6 - 10 | RM 36 | ||
11 - 18 | RM 53 | ||
19 - 31 | RM 69 | ||
Area 3 | 1 - 5 | RM 31 | |
6 - 10 | RM 49 | ||
11 - 18 | RM 71 | ||
19 - 31 | RM 103 | ||
Family | Area 1 | 1 - 5 | RM 41 |
6 - 10 | RM 62 | ||
11 - 18 | RM 91 | ||
19 - 31 | RM 131 | ||
Area 2 | 1 -5 | RM 60 | |
6 - 10 | RM 84 | ||
11 - 18 | RM 125 | ||
19 - 31 | RM 175 | ||
Area 3 | 1 - 5 | RM 76 | |
6 - 10 | RM 116 | ||
11 - 18 | RM 167 | ||
19 - 31 | RM 239 |
Number of Persons | Destination | Length of Stay | VIP Plan Premium |
Individual | Area 1 | 1 - 5 | RM 35 |
6 - 10 | RM 52 | ||
11 - 18 | RM 78 | ||
19 - 31 | RM 98 | ||
Area 2 | 1 - 5 | RM 50 | |
6 - 10 | RM 74 | ||
11 - 18 | RM 112 | ||
19 - 31 | RM 140 | ||
Area 3 | 1 - 5 | RM 64 | |
6 - 10 | RM 96 | ||
11 - 18 | RM 143 | ||
19 - 31 | RM 183 | ||
Family | Area 1 | 1 - 5 | RM 88 |
6 - 10 | RM 130 | ||
11 - 18 | RM 195 | ||
19 - 31 | RM 245 | ||
Area 2 | 1 -5 | RM 125 | |
6 - 10 | RM 185 | ||
11 - 18 | RM 280 | ||
19 - 31 | RM 350 | ||
Area 3 | 1 - 5 | RM 160 | |
6 - 10 | RM 240 | ||
11 - 18 | RM 358 | ||
19 - 31 | RM 458 |
Number of Persons | Destination | Type of Annual Plan | Premium |
Individual | Area 1 | Gold | RM 220 |
Platinum | RM 290 | ||
Area 2 | Gold | RM 260 | |
Platinum | RM 338 | ||
Area 3 | Gold | RM 320 | |
Platinum | RM 398 | ||
Family | Area 1 | Family | RM 599 |
Area 2 | Family | RM 725 | |
Area 3 | Family | RM 820 |
As with most other insurance companies, Generali Malaysia does not provide coverage for general exclusions such as losses arising from pre-existing medical conditions, suicide or self-harm as well as alcohol and drugs. Other exclusions include losses arising from:
You are eligible to apply if you qualify as any of the below. For the annual travel insurance, individuals who are not eligible include students studying overseas and employees under overseas secondment.
Generali Malaysia imposes a stamp duty of RM10 for all premiums under their travel insurance plans.