Hong Kong Travel Protest

Frequently Asked Questions (FAQs)

Country affected : Hong Kong

Event :

There was a planned city-wide strike in Hong Kong on 5 August 2019, which has led to disruptions affecting flights to/from Hong Kong. The Consulate-General of Malaysia in Hong Kong advised Malaysians residing in, and traveling to Hong Kong to stay away from public demonstrations in Hong Kong. On 16 August 2019, the Singapore Ministry of Foreign Affairs has updated the travel advisory for Hong Kong, which indicated that recent protests had affected the airport operation in Hong Kong and Singaporeans are thus advised to defer non-essential travel to Hong Kong. Please note that AIG Malaysia will deem the event and its associated disruption, which arise from the same political conflict in Hong Kong, as ‘known event’ starting from 5 August 2019 and therefore any claims relating to the event that arise from policies purchased on or after 5 August 2019 are not covered.

FAQs pertaining to coverage

Question 1:

Can insured file for travel cancellation/ postponement/ curtailment/ disruption/travel delay benefits pertaining to the events listed above?

Answer:

This event is now considered as a known event and classified as a Major Travel Event only for customers who have their scheduled common carrier services cancelled/postponed or disrupted.

NO cover will be provided for losses or damages in connection with such ongoing protest activities and associated disruptions unless the policy was purchased before 5 August 2019. For Annual plan policy holders, cover will only be provided if policy was purchased or date of actual booking for the journey was made before 5 August 2019.

For policy purchased before 5 August 2019, each claim will be assessed on its own merits subject to policy terms and conditions.

For Travel Cancellation and Postponement, the coverage would only be triggered if the Singapore government advisory against non-essential travel is still effective within 14 days before original departure date from Malaysia.

Question 2:

Insured requests for a cancellation of policy as he/she decides to cancel the trip to Hong Kong. Are we able to cancel the policy with a refund?

Answer:

Yes, we will allow cancellation of policy with full refund of premium, subjected to no claims declaration from insured.

Question 3:

Can a customer still purchase a travel policy from 5 August 2019 and be covered for trips to Hong Kong?

Answer:

The Customer may still purchase the travel policy to Hong Kong from 5 August 2019 but as the situation is now made known by public media, it will be considered as a known event and no claim(s) will be payable for any loss related to the event. This applies to travel policies purchased from 5 August 2019 onwards.

Injury that are non-related to ongoing city-wide strike activities will be reviewed by claims team as per the usual policy terms and conditions.

Important Note

We will assess all claims in accordance with the facts of each case, the Policy Wordings and the coverage as stated in the Certificate of Insurance. Your cover will depend on the type of policy you purchased and your particular circumstances.

If you are an insured by AIG Malaysia Insurance Berhad and you require emergency assistance during the insured trip, please contact the assistance hotline at +603 2772 5600.

If a travel cancellation or disruption loss does occur, please first contact your travel agent or the airline to seek a refund or make alternate travel arrangements. After this, if you still have a loss, you may submit a claim or contact our customer service hotline at 1 800 8888 11.

Travel Insurance is a comprehensive insurance plan with an option to cover domestic and overseas travel.

The major benefits provided are medical related benefits, personal accidents benefits, travel inconvenience & other travel-related benefits and 24-hours worldwide travel assistance. Additionally, you can choose to purchase our optional rider benefit which extends your coverage to include your golfing equipments and your participation in special sports such as winter sports activities & scuba diving.

The premium varies depending on your choice of plan, destination and duration of cover selected. Service Tax (ST) of 6% is applicable to Domestic Plan. Premiums shown are net premiums, after direct rebate of 25%.

a) A Malaysian citizen or Malaysian permanent resident or a resident with full rights to enter into and return to Malaysia regardless of medical status;

b) Your travel pre-arrangements must be made and paid for in Malaysia prior to your trip; and

c) Your trip must commence in Malaysia.

Note: We do not cover directly or indirectly from planned or actual travel in, to or through Cuba, Iran, Syria, North Korea or Crimea Region. In addition, any residents of Cuba, Iran, Syria, North Korea, or the Crimea region will not be allowed to purchase this policy.

Importance of disclosure:

You must take reasonable care to ensure that all your answers to the questions are full, complete, correct and honest and to the best of your knowledge. You also have a duty to inform us /the Company/the Insurer/AIG Malaysia of any change in the information given to us earlier before we issue the policy schedule to you, before you renew or change any of the terms of your policy. If you don’t, your policy may be cancelled, or treated as if it never existed, or your claim rejected or not fully paid.

a) Travel Cancellation Per Trip plan – 24 hours from the purchase of the policy, unless due to an accident in which cover commences from the policy purchase date.

Annual plan – 24 hours from the purchase of the policy or after travel is booked whichever occurs later, unless due to an accident in which cover commences from the travel booking date.

b) Travel Delay and Accidental Death & Disablement within 12 hours prior to departure from Malaysia.

c) All other benefits upon departure from Malaysia.

You can only be covered under one policy in respect of this insurance with AIG Malaysia Insurance Berhad.

Sum insured listed in the schedule of benefit is payable per incident up to the maximum limit prescribed in the policy.

Please call AIG 24/7 worldwide travel assistance at +603-2772 5600.

You may reverse charge the call where this service is available.

If you are unable to do so during an emergency, seek treatment first, and contact our worldwide travel assistance as soon as possible.

If you are traveling to multiple destinations within the same trip, you can be covered under one policy. Please input the list of destinations you will be traveling to.

No refund of premium is allowed once the policy has been incepted.