Include East and West Malaysia
Australia, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Korea, Laos, Macau, Myanmar, New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand and Vietnam
Excluding US & Canada
In the unlikely event that you become ill or are injured while on holiday, we cover out-of-pocket medical expenses including prescription medicines, hospital visits and emergency transportation. We provide allowances for lost or delayed baggage, stolen travelers cheques, and more. You can even reschedule your trip without penalty for covered reasons.
Travel Insurance by Tune is a comprehensive insurance plan designed specifically for the needs of an Individual and a Family who will be travelling domestically or internationally. The major benefits provided are medical related benefits, personal accident benefits, travel inconvenience benefits and 24/7 Worldwide Travel Assistance.
Family Plan : Minimum 30 days and up to maximum of 75 years
Individual Plan: Age band is between 18 to 75 year old.
All Malaysians or Residents who have permanent address in Malaysia and departing from Malaysia.
No. You must purchase the cover prior to your scheduled departure.
Single Trip plan : 180 consecutive days for an overseas trip
Annual plan : 30 consecutive days for an overseas leisure travel trip and 90 consecutive days for an overseas business travel trip.
If you are travelling to multiple countries within the same trip, you can be covered under one policy. Please select the furthest country as listed under our area of coverage.
You are required to purchase 2 separate plans ie. Domestic Plan and Worldwide Plan.
Yes. Your coverage can be extended at our sole discretion for up to 30 days from the expiry of the period of insurance without payment of any additional premium if you are hospitalized and / or quarantined overseas as recommended by a doctor which it is deemed reasonable by us and prior to the insurance expiry. Benefits for the extended coverage are limited to Section 2 – Travel Inconvenience Benefit only.
No. Travel Insurance by Tune does not cover any pre-existing condition occurring within 120 Days prior to the policy effective date.
Yes, If you suffered from a disability while travelling on an overseas trip and subsequently seek follow-up treatment in Malaysia, you will be reimbursed the Medically necessary expenses incurred within 30 days upon arrival to Malaysia, subject to the medical expenses limit specified in the Schedule of Benefit.
You may contact Asia Assistance Network(AAN) at +603-7628 3993 to inform us on the changes.
You may cancel your policy by giving us 30 days written notice to our registered address
a) Your annual policy will be cancelled from the 1st day of the month following a cancellation request and refund of premium is in accordance with the short rate table used by us for the unused period of cover.
b) Your single trip policy can be cancelled subject to our approval provided that your request date is prior to the commencement date of the trip or period of insurance.
Asia Assistance Network (M) Sdn Bhd
No 1, Block N, Jaya One,
72A, Jalan Universiti,
46200 Petaling Jaya,
Tel No: +603-7628 3993
Please call Asia Assistance Network (AAN) at +603-7628 3993. You may Reverse Charge the call where this service is available. Please contact AAN prior to any admission into Medical Centre / Hospital whilst abroad.
In the event of a medical emergency requiring evacuation, you should call our
24hour emergency helpline - Asia Assistance Network (M) Sdn Bhd at +603-7628 3993
For all other claims, please print a claim form from the website www.expedia.com.my/travel-insurance
You may post the form to:
Non Motor Claims Department
Tune Insurance Malaysia Berhad
Level 7, PNB Damansara,
No.19, Lorong Dungun,
50490 Kuala Lumpur, Malaysia.
You may also scan the claim form and e-mail it to firstname.lastname@example.org
IMPORTANT: Please notify us within 30 days of you becoming aware of an incident or loss leading to a claim and forward us the completed Claim Form.
In the event of you requiring medical evacuation or repatriation please contact Asia Assistance Network (M) Sdn Bhd as soon as possible via telephone No +603-7628 3993, fax +603-7629 8388 or email email@example.com. In this instance it is cashless i.e.you will not be required to pay except where the 'benefit' limit has been exceeded.
In cases requiring medical attention but not relating to evacuation or repatriation, you shall have to pay the costs of the medication and seek reimbursement.
Please refer to the Claim Form for the Checklist of Required Documents. Where required, we shall request for further documentation and / or information from you
You may make a claim but please be aware that we require proof of ownership for the item(s) therefore it is a minimum requirement that you provide evidence of ownership. We may accept Warranty Cards and credit card statement as evidence of proof of ownership.
Under Travel Insurance by Tune, excess applies to Loss or Damage to Baggage / Personal effects and to Medical Expenses. The excess amounts differ depending on the Plan i.e. Individual or Family and between Domestic and International Travel. Please refer to the Schedule of benefits for further details.
Under the Travel Insurance by Tune General Exclusions which is applicable to entire policy it is stated that the insurance does not cover any loss resulting directly and indirectly (in whole or in part) from pandemic or epidemic which includes swine flu (H1N1), thus the claim will not be payable.
Yes you are. However, you are NOT covered in any cases of miscarriage or childbirth, or any treatment relating to birth control or treatment pertaining to infertility or any other complication arising there from.
The policy does not define relative but defines immediate family member as legal spouse,
parents & parents-in-law, children & children-in-law, siblings and grandparents.
If any one of the immediate family member is admitted into hospital (where it is medically necessary and not, for example, for a routine checkup) then you may (1) cancel prior to leaving for the trip or (2) 'curtail' as in cancel mid way through the trip and the policy will cover the loss. This is merely a general explanation; please refer to the policy for more details.
Immediate family member refers to:
i) Legal Spouse;
ii) Legal, Adoptive And / Or Biological Children;
vi) Parents-In Law;
of the insured who resides in Malaysia.
As a result of natural disasters such as volcanic eruption, flood, earthquake, tsunami,
hurricane or wildfire in your place of residence occurring within 14 days prior to departure
from Malaysia, you may claim If you cancel your trip and suffer loss of deposits
or charges which has been paid in advance or which is contracted to be paid for the
Trip for all or one of the following:
iv) car rental
You are covered for natural disasters but only in your planned trip destination(s). As an example, if your planned trip is to Tokyo, Japan, then you may claim for the cancelled trip if the natural disaster happens in Tokyo. If the disaster is in another city it is not covered.
You may claim under the policy for the delay with written confirmation from the carrier (e.g. airline) but subject to terms & conditions of the policy.
Yes. You are covered for Personal Accident and/or Medical treatment for the injury sustained. You are advised to refer the policy wordings for full details.
If the theft occurred in an aircraft, vessel or train please notify the responsible officer immediately. On the other
hand, if the theft occurred from a motor coach or during your stay in the hotel, please notify the police no later than
We require a written report from the relevant authorities when you make a claim for the theft.
The departure flight from Malaysia is covered for flight delay exceeding 6 hours however the policy does not cover missed connection therefore the policy will not pay for it.
The policy has a Home Care Benefit cover that protects your home contents against theft up to the limit of Sum Insured.
The policy covers if the house is left vacant for the duration of the trip and the theft occurs after the trip commences and before your return home. Since a member of the family was at home when the theft occurred the claim is not payable.
It is important to ensure that you have a valid driving license to drive in your destination country. If you meet with an accident, you are covered by the policy. Please note however, that you will not be covered under the Personal Liability section as this cover should be provided by the car rental company
Payment of any claim shall be in Ringgit Malaysia (by cheque) or its equivalent in other currency (by Bank Draft) at the prevailing rate as per Bank Negara Malaysia (Central Bank of Malaysia) at the time of effecting payment.
Should you dispute a claim or have a complaint regarding us or any issue in respect of the
insurance you may write to :
The Chief Executive Officer,
Tune Insurance Malaysia Berhad
36 Jalan Ampang
50450 Kuala Lumpur
Or you may write to
(for Complaints & Claim disputes)
Customer Service Bureau (CSB)
Bank Negara Malaysia
Jalan Dato Onn
50480 Kuala Lumpur
(for Claim disputes only)
The Financial Mediation Bureau
Dataran Kewangan Darul Takaful
50000 Kuala Lumpur
You can retrieve a copy of your policy via: https://expedia.tuneinsurance.com/my/policylookup.aspx.
Goods and Services Tax (“GST”), which is also known as Value Added Tax (VAT) is a multi-stage consumption tax on goods and services in Malaysia. It will be implemented with effect from 1st April 2015 in Malaysia at Standard-rated supplies of 6%. Standard-rated supplies are goods and services that are charged GST with a standard rate.
All Domestic plans are subject to Standard-rated 6% GST.
Yes, Expedia Travel Insurance Domestic plans are a Standard-rated Product, thus 6% GST will be charged.
The implementation date of GST is on 1st April 2015, any insurance product or services that is formally purchased and paid before 1st April 2015 and extends over 1st April 2015, will not be charged GST.
Yes, a Tax Invoice will be issued together with your Certificate of Insurance.
You can visit GST official website at http://gst.customs.gov.my/.
Below is an overview of our competitively-priced plans.
Travel Insurance is underwritten by Tune Insurance Malaysia Berhad ([30686 K]). Asia Assistance Network is authorized by Tune Insurance Malaysia Berhad to provide travel emergency and medical assistance for international travelers. We recommend that you consider travel protection for added peace of mind when you travel. For more information, you should read the Brochure and Product Disclosure Sheet (including Policy Wording) to decide if this product is suitable for you/meets your requirements.