1. What is the Free Overseas Travel Shield?
The Free Overseas Travel Shield provides cash reimbursement of up to RM 3,000 for Quarantine while travelling
overseas due to Covid-19 or Overseas Travel Cancellation for Malaysians residing in Malaysia. The Free Overseas
Travel Shield is offered until 31 December 2022 or upon reaching a total claims limit of RM1 million (for AIA Bhd.,
AIA PUBLIC Takaful Bhd., and AIA General Bhd. combined), whichever is earlier.
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Benefits
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Description |
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Quarantine Allowance Due To Covid-19 While Overseas Benefit
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If the Insured/Person Covered has been diagnosed as a person with laboratory confirmation of
infection with the Covid-19 whilst on his/her Overseas Travel and is required to observe mandatory
Quarantine by any government or relevant health authorities of the respective country, we will pay
the following to the Insured/Person Covered for each twenty-four (24) complete hours of Quarantine,
up to a maximum of ten (10) days in respect of one (1) Quarantine.
- RM300 per day for up to 10 days for AIA+ app users; or
- RM100 per day for up to 10 days for non AIA+ app users
Consecutive Quarantine resulting from Covid-19 shall be considered as one (1) Quarantine.
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Overseas Travel Cancellation Benefit
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Upon the cancellation of the Overseas Travel necessitated by the following and occurring within
thirty (30) days before the date of commencement of the Overseas Travel as a result of:
- Death, Serious Accidental Bodily Injury or Serious Sickness of the Insured/Person Covered, or
Immediate Family Member;
- Natural disasters at Insured/Person Covered’s scheduled Travel Destination;
- Witness summons or jury service which were not made known to the Insured/Person Covered prior to
the registration date;
- Unexpected outbreak of strike, riot or civil commotion at the scheduled Travel Destination;
- Serious damage to the Insured/Person Covered’s principal residence from fire, flood, or
similar natural disaster (typhoon, earthquake and the like) within one (1) week before the
departure date which requires the Insured/Person Covered’s presence on the premise on the
departure date.
we shall reimburse the Insured/Person Covered for the loss of flight ticket fare as follows:
- Up to RM3,000 per life for AIA+ app users; or
- Up to RM1,000 per life for non-AIA+ app users.
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Notes:
- AIA+ app user/non-user status at point of claims will be used to determine the benefit amount payable.
- Only one of Quarantine Allowance due to COVID-19 while Overseas OR Overseas Travel Cancellation
is payable per individual.
- Only a single claim is allowed per individual.
- A waiting period of fourteen (14) days from the registration date applies.
- Please refer to Appendix 1 for the definitions.
2. Who is eligible for the Free Overseas Travel Shield?
To be eligible for this free coverage, one needs to:
- Provide the relevant information via a dedicated microsite between 1 June 2022 to 31 July 2022
as below;
- Individual’s information (16 years old and above)
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- Full Name as per NRIC
- NRIC Number
- Phone number
- E-mail Address
- Location
- Where did you hear about this
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- Child’s information (15 years old and below; up to 3 children in one registration form*)
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- Child’s Name
- NRIC number
b. Be between the age of 15 days and 15 years for children OR 16 years and 70 years for
adults; AND
c. be a Malaysian citizen residing in Malaysia.
*Note: Only parents or the legal guardians are allowed to sign up for this offer for children under their care. For
those with more than 3 children under their care, please register using a fresh form.
3. How can I sign up for the Free Overseas Travel Shield?
You can reach out to any AIA Life Planner to sign up through the dedicated microsite. If you do not know any AIA Life
Planner, please email us at MY.Customer@aia.com and provide your Name,
Contact No. and Current Location (eg. Kepong, Kuala Lumpur) and include “Free Overseas Travel Shield” in
the email subject.
4. What is the coverage period of this Free Overseas Travel Shield?
The coverage period of this Free Overseas Travel Shield is offered until 31 December 2022 or upon
reaching a total claims limit of RM1 million (for AIA Bhd., AIA PUBLIC Takaful Bhd., and AIA General Bhd. combined),
whichever is earlier. AIA reserves the right to withdraw this Free Overseas Travel Shield at any time without
notice.
5. I am a Malaysian and currently working/residing outside Malaysia. Am I eligible for the Free Overseas
Travel Shield?
No. The coverage is only eligible for Malaysians residing in Malaysia only.
6. I was diagnosed with COVID-19 before but has fully recovered. Am I eligible for the Free Overseas Travel
Shield?
Yes. You are eligible to apply for this Free Overseas Travel Shield.
7. Do I need to be vaccinated with the Covid-19 vaccine to be eligible for this Free Overseas Travel Shield?
Yes. Insured/Person Covered aged 18 years old and above needs to be Fully Vaccinated to be eligible for Free Overseas
Travel Shield. However, Insured/Person Covered aged 17 years old and below are not subject to this requirement.
8. Does this Free Overseas Travel Shield cover Quarantine due to Covid-19 diagnosis during domestic
travels / domestic travel cancellations?
No. Free Overseas Travel Shield covers Quarantine due to Covid-19/ travel cancellation for Overseas Travel only.
9. Is there any exclusion to the Free Overseas Travel Shield?
The following exclusions are applicable to Free Overseas Travel Shield
Exclusions for Quarantine Allowance Due To Covid-19 While Overseas
We will not pay if:
- The Quarantine period is not within the Coverage Period;
- The Quarantine orders are mandated by the government for all travellers arriving into the travel destination and
the Insured/Person Covered is not tested positive with Covid-19;
- Pre-existing Covid-19 diagnosis and/or pending Covid -19 test results when the Overseas Travel commences;
- Infectious Diseases excluding Covid-19, which is declared or notified as an epidemic by the applicable health
authority in the Travel Destination or a pandemic by the World Health Organisation (WHO) until such declaration
or notification is lifted by the WHO or the applicable health authority in the Travel Destination;
- If the Insured/Person Covered is tested positive with Covid-19 from the Covid-19 polymerase chain reaction (PCR)
test or any Covid-19 equivalent test approved by the Malaysian authorities within three (3) days prior to the
Overseas Travel; and/or
- Any circumstances regarding Covid-19 if the Insured/Person Covered is not Fully Vaccinated.
Exclusions for Overseas Travel Cancellation
We will not pay if:
- The cancellation is caused directly or indirectly by government regulations or control, bankruptcy, liquidation
or default of travel agencies, or carrier caused cancellation;
- covered by any other existing insurance/ takaful scheme, government program or which shall be paid or refunded
by airline, travel agent or any other provider of travel;
- The registration date is less than fourteen (14) days before commencement of the Overseas Travel;
- Insured/Person Covered or Immediate Family Member staying in the same household in Malaysia, or Travelling
Companion, is diagnosed and tested positive for Covid-19; and/or
- Insured/Person Covered postpones the scheduled Overseas Travel solely due to epidemic or pandemic-related travel
advisories, including but not limited to border closures, Quarantine orders, government orders issued by
government or the World Health Organization for the Travel Destination country or home country.
10. How will I know if I have been successfully enrolled for the Free Overseas Travel Shield and how do I
check on the applicable benefits?
Your Free Overseas Travel Shield will commence on the date you registered on the microsite. If your application is
successful, you will receive a welcome email within 14 working days from the registration date.
You will then be required to download the AIA+ mobile app via Google Play, App Store or Huawei App Gallery and
register your AIA+ account. Once completed, you may view your benefits via the AIA+ App.
11. I downloaded the AIA+ app and noticed that AIA BHD. is stated as my Company Name and that I am an
employee of AIA BHD. I don’t understand why the Free Overseas Travel Shield is under Employee Benefit.
Below is a guide on how to view your Free Overseas Travel Shield in the AIA+ App. You can see that your coverage is
stated in point 6 in the image below as Overseas Travel Cancellation Benefit of up to RM3,000 (for AIA+ app user)
or RM1,000 (for non-AIA+ app user) and Quarantine Allowance Due to Covid-19 While Overseas of RM300/day up to 10
days (for AIA+ app user) or RM100/day up to 10 days (for non-AIA+ app user).
12. I have received the welcome e-mail confirming that I have been enrolled into the Free Overseas Travel
Shield but why am I not able to register for the AIA+ account?
Please ensure that you have provided the correct information via the dedicated microsite, including full name as per
NRIC, NRIC Number, phone number and e-mail address. If you are unsure, please resubmit the application with the
correct information and contact your respective AIA Life Planner or e-mail MY.Customer@aia.com for assistance.
13. How do I make a claim under the Free Overseas Travel Shield?
For Customers: Submit the required documents as prescribed in the table below via email to MY.Customer@aia.com.
For Life Planners: Submit the required documents as prescribed in the table below via email to my.assist@aia.com.
Please indicate in the Subject Matter: <POLICY/ CERTIFICATE NUMBER> - Free Overseas Travel Shield
The following are the documents required for submitting claim for the benefit:
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Type of Claim
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What must I do or submit?
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Compulsory for all types of claims
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- Airline ticket, flight itinerary or boarding pass;
- Copy of Malaysian Identity Card with front and back;
- Proof of Insured/Person Covered being Fully Vaccinated with Covid-19 Vaccination;
- Proof of relationship between adult and child (e.g. Child’s Birth Certificate if the claim
is on child); and
- Claimant Bank Account Number, Account Holder Name, Bank Name (together with a copy of the first
page of bank statement or account passbook indicating these information).
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Quarantine Allowance due to Covid-19 while overseas
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- Copy of laboratory confirmation of infection with the COVID-19 such as PCR test result or any
COVID-19 equivalent test result approved by local authorities;
- Written confirmation from overseas Hospital/ authorities confirming the details such as dates
and reason(s) for such Quarantine.
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Overseas Travel Cancellation
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- Medical report, death certificate, proof of relationship etc. as the case may be;
- Original receipts for payment of the Trip;
- Trip operator's booking and cancellation/ refund invoices, terms & conditions;
- Proof of home address (e.g. water/electricity bill);
- Newspaper cutting or report from local authorities to confirm the incident (if due to natural
disaster, strike, riot or civil commotion of the travel destination);
- Official document from public authority (if due to witness summons or jury service by
Insured/Person Covered is required);
- Police/ local authorities report to confirm the incident (if Insured/Person Covered presence is
required due to his/her principal residence damaged from fire, flood, or similar natural
disaster).
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Notes:
- Written notice of any event likely to give rise to a claim should be submitted to AIA as soon as reasonably
possible and in any case not later than 30 days of the occurrence causing such claim.
- We may request additional information and/or supporting documents when required; your early response will
expedite the processing of your claim.
14. Why is my claim application rejected?
One of the reasons is you may have provided incorrect information during the claims application. Please resubmit the
claim application with the correct information and contact your respective Life Planner or email MY.Customer@aia.com for assistance.
Appendix 1- Definitions:
All ages referred to under this free coverage shall be the age of Insured/Person Covered's last birthday.
“Accidental Bodily Injury” shall mean a bodily injury occurring during the Coverage Period which is the
direct result of accidental, external, violent and visible means and which solely and independently of any other
cause results in a claim for death or disablement. This is extended to bodily injury as a result of exposure to the
elements of natural perils. This does not include any sickness, disease, bacterial or viral infection, (unless this
is the direct result of an Accidental Bodily Injury) naturally occurring condition or degenerative process or the
result of any gradually operating cause.
“Coverage Period” is the time period the Insured/Person Covered is given the coverage.
“Covid-19” shall mean 2019 Novel Coronavirus or subsequent iteration by World Health Organization (WHO).
"Fully Vaccinated" refers to the Insured/Person Covered’s vaccination status on the day of registration for
this free coverage which shall follow the definition of Vaccination status issued by the Ministry of Health Malaysia
or World Health Organization, provided the last dose of Covid-19 vaccine was administered at least fourteen (14)
days before the Trip.
“Hospital” shall mean only an institution licensed as a Hospital and operates pursuant to law for the
care and treatment of sick and injured persons as registered bed patients, with facilities for diagnosis and major
surgery, which is under the supervision of one (1) or more Registered Medical Practitioners and which has 24-hour a
day professional nursing service. “Hospital” does not include any institution or that portion of any
institution which is operated as a convalescent or nursing home, rest home, home for the aged, a place for
alcoholics or drug addicts or for any similar purpose.
“Immediate Family Member” shall mean the Insured/Person Covered’s legal spouse, children (natural
or adopted), sibling, sibling-in-law, parents, parents-in-law, grandparents, grandchildren, legal guardian, or
stepparents.
“Infectious Disease” shall mean easily transmitted disease that is diagnosed by a Registered Medical
Practitioners, using internationally accepted medical diagnostic criterion, with acceptable clinical, radiological,
histological and laboratory evidence.
“Insured” and “Person Covered” shall mean the person(s) covered whom must meet the following
eligibility and has/have successfully applied for this free coverage:
- Age last birthday at the time of registration is between fifteen (15) days and seventy (70) years old; and
- Malaysian citizen residing in Malaysia;
"Overseas Travel" shall apply to Trip to any Travel Destination outside of Malaysia.
“Quarantine” shall mean compulsory detention in isolation to stop the spread of an Infectious Disease.
“Registered Medical Practitioner” shall mean any person qualified by degree in western medicine who has legally
registered with the government of the geographical area of his/her practice to render medical or surgical services,
but other than the Insured/Person Covered, an insurance/a takaful agent, authorized insurance/takaful intermediary,
business partner(s), employer/employee of the Insured/Person Covered, or a member of the Insured/Person Covered's
Immediate Family Member or related in similar fashion to the Insured/Person Covered's spouse.
“Serious Accidental Bodily Injury” or “Serious Sickness” whenever applied to the
Insured/Person Covered, is one which is dangerous to life and requires treatment by a Registered Medical
Practitioner and which results in the Insured/Person Covered being certified by that Registered Medical Practitioner
as unfit to travel or continue with his/her original Trip. When applied to the Immediate Family Member, it shall
mean Accidental Bodily Injury or Sickness certified as being dangerous to life by a Registered Medical Practitioner
and which results in the Insured/Person Covered’s discontinuation or cancellation of his/her original Trip.
"Sickness" shall mean any noticeable change in the physical health of the Insured/Person Covered occurring during the
Trip, which requires the Insured/Person Covered to seek the care of a Registered Medical Practitioner acting within
the scope of his/her license to treat the Sickness for which the claim is made provided the nature of the illness is
not excluded from this free coverage.
“Travelling Companion” shall mean a person who has reservation or confirmation of travel to accompany
Insured/Person Covered on the same Trip.
“Travel Destination” shall mean Insured/Person Covered’s arrival Destination Country(ies) and/or
Area of Coverage.
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Area of Coverage
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Destination Country(ies)
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Covered Countries
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Worldwide excluding Malaysia and Excluded Countries
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Excluded Countries
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Mongolia, Nepal, Tibet, Iran, Syria, Belarus, Cuba, Democratic Republic of Congo, North Korea,
Somalia, Sudan, South Sudan, Crimea (including Sevastopol), Russia, Ukraine and Zimbabwe
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“Trip” shall mean the return Trip commencing from the time the Insured/Person Covered leaves his/her
normal place of residence or place of regular employment in Malaysia or starts from the Coverage Period, whichever
is later, until the time he/she returns, and ceases on whichever of the following occurs first:
- the end of the Coverage Period;
- the Insured/Person Covered’s arrival at his/her normal place of residence or place of regular employment
(whichever is earlier) in Malaysia; or
- twenty-four (24) hours after the Insured/Person Covered’s scheduled arrival time in Malaysia.
The duration of each Trip shall not exceed ninety (90) consecutive days from the commencement date of the Trip.
“Vaccination” shall mean a Covid-19 vaccine intended to provide acquired immunity against severe acute
respiratory syndrome coronavirus2 (SARS-CoV-2) that is causing Covid-19, including the first dose, subsequent doses
and booster doses. The vaccine must be officially approved, endorsed or authorised by Ministry of Health (MOH) of
Malaysia and prescribed by a Register Medical Practitioner in any Hospital in Malaysia. For avoidance of doubt,
Vaccination performed in Malaysia at locations other than Hospital as allowed by MOH, with the prescription of a
Register Medical Practitioner, are also accepted.
Whenever the context requires, masculine form shall apply to feminine and singular term shall include the plural.
