Travel Insurance for Malaysia from India

You must keep international travel insurance from India for emergencies. This can help cover unexpected situations like health issues, flight problems, and emergencies. Here are some important reasons why having Malaysian travel insurance is a must.

• If an airline delays/loses your checked-in baggage
• If a medical emergency arises that requires immediate hospitalisation
• If you somehow lose your passport or cash
• If you have to reschedule/cancel your trip for some reason

Many similar situations can put extreme financial pressure on you if you don’t secure yourself with an appropriate travel insurance policy.

Medical & Accidental Benefits

Your ACKO Malaysia travel insurance provides comprehensive medical and accident-related protection to keep you secure throughout your trip.

• Hospitalisation: If you fall ill or suffer an injury, you can opt for either cashless treatment at ACKO’s network hospitals—where bills are settled directly—or reimbursement for medical expenses you pay out of pocket.
• Daily Allowance: For hospital stays exceeding 24 hours, you’re also eligible for a daily allowance of up to $100,000 (for a maximum of 10 days) along with coverage for medical costs.
• Doctor & Treatment Fees: Any medical consultation, diagnostic test, or treatment you undergo during your stay in Malaysia will be reimbursed by ACKO.
• Accidental Death: In the unfortunate event of death due to an accident during your trip, your nominee or immediate family will receive a payout of up to $15,000.
• Permanent or Partial Disability: If an accident results in total or partial permanent disability, ACKO provides compensation of up to $15,000.
• Physiotherapy: Physiotherapy sessions required solely because of an injury during your Malaysia trip are covered for up to $100,000.
• Emergency Medical Evacuation: If  you need emergency transportation—air, water, or land—due to a medical crisis or calamity, ACKO reimburses evacuation expenses up to $100,000.
• Relative’s Travel Expenses: If you're hospitalised for more than 48 hours, ACKO covers up to $5,000 for two-way economy travel for an immediate relative to come and assist you.
• Repatriation: In case of death due to illness or injury during the trip, costs associated with transporting your mortal remains back to your home city are covered up to $100,000.
• Emergency Trip Extension: If hospitalisation forces you to extend your stay, ACKO reimburses up to $750 for hotel charges (up to 7 days) and additional one-time flight rescheduling costs.
• Emergency Return of Minor Children: If you are hospitalised for more than 48 hours, ACKO will cover up to $5,000 for a direct economy ticket to safely send your minor child back home.

Trip-Related Coverage

These benefits protect you from unexpected travel disruptions during your Malaysia trip.

1. Flight Delays & Missed Connections

• If your flight arrives over 6 hours late, you get $75 for the inconvenience.

• If a delay of more than 6 hours on your original flight causes you to miss a connecting flight, ACKO covers up to $100 for your next booking (excluding airline refunds).
   

2. Trip Rescheduling

Additional flight expenses up to $750 are covered if you need to reschedule your journey due to:

• Hospitalisation of a traveller for over 48 hours
• Death of an immediate family member (within 20 days before departure)
• A natural disaster

3. Trip Cancellation

Flight cancellation charges up to $750 will be reimbursed if you cancel due to:

• Hospitalisation of a traveller for more than 48 hours
• Trip cancellation triggered by a Covid-19 positive test and government-mandated quarantine overlapping with your trip start date
• Death of an immediate relative (within 20 days before departure)
• Any natural calamity

Baggage & Additional Protections

ACKO provides coverage from baggage loss/delay and additional protections so that you can travel with peace of mind:

• Delayed Baggage: If the airline that you are travelling with delays your checked-in baggage for more than 3 hours, you can receive up to $150 as per the policy condition.
• Loss of Checked-In Baggage: In case the airline confirms a total loss of your baggage, then ACKO will compensate you up to $500.
• Damaged Baggage: In case the airline confirms any kind of damage to your checked-in baggage, then you are eligible to receive up to $50.
• Financial Emergency Assistance: If you lose your wallet, credit cards, or debit cards while abroad, ACKO can provide you with financial assistance.
• Loss of Passport: In case your passport gets lost or stolen, then ACKO will provide you with the costs up to $300 for obtaining a replacement passport or emergency travel documents.
• Home Protection: If theft occurs at your residence while you're away, ACKO can reimburse the actual loss up to ₹100,000. This coverage will exclude cash or valuables.
• Personal Legal Liability: ACKO covers up to $50,000 for legal liabilities that can arise from accidental injury, death, or property damage caused to a third party during your trip. This coverage includes litigation expenses and bail bond expenses as well. You just have to notify us within 7 days of the incident.

Optional Add-Ons

Personalise your Malaysia travel insurance with optional covers for extra peace of mind.

• Adventure Sports Injury: Covers medical treatment for injuries from activities like skydiving, dune bashing, or scuba diving. Applicable as an extension of accidental hospitalisation.
• Booking Denial Protection: Receive reimbursement of up to $500 if you’re denied boarding or hotel check-in despite having confirmed bookings, provided you rebook for the same city and dates.

Rahul woke up sick three days into his trip to Malaysia. What began as a small bother quickly got worse, and Rahul soon found himself in the emergency room of a nearby hospital.

He remembered and called ACKO, his insurance company. He was relieved to learn that not only was his hospital stay paid for, but he was also qualified for a Hospital Daily Allowance, which would help him with money during this very trying time.

"Words can't describe how thankful I am. The daily sum that came with the ACKO travel insurance saved my life. It took care of all the extra costs that came up because of the hospital stay. ACKO made a tough situation really easier to handle. I'm now preparing for my next trip with ACKO's travel insurance."

• Carry an umbrella in case of sudden rain (Nov-Mar).
• Have your emergency contacts and travel insurance details readily available.
• Always keep a safe distance from wild animals when you are in a nature reserve.
• Apply mosquito repellents for the prevention of dengue and consume only bottled or boiled water.
• Show respect to local customs, wear appropriate clothes at the religious sites, take off your shoes when entering a home/a temple, and dress modestly.
• Be very vigilant when crossing the street as the traffic can be very chaotic and there are a lot of motorbikes around.
• Regarding COVID-19, it is recommended to wear a mask, maintain social distance, practice good personal hygiene, follow local guidelines, and be ready to cooperate with authorities if you develop symptoms.