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Accident > Travel Shield PA
At Jerneh we understand that travelling
can take extensive time to plan, but only moments to ruin it. While you
can't do anything to stop unexpected events to happen, you can at least
invest in a travel insurance to help you shield you and your family.
Travel Shield PA offers excellent coverage and unique
benefits for travellers. There are two types of PA which are Travel Shield
PA for Overseas & Domestic and Travel Shield PA for Annual Cover. Our
Travel Shield PA insurance plan offers coverage for missed departure,
child benefit/care, repatriation of mortal remains, flight misconnection,
follow up treatment and compassionate visitation/allowance. For your convenience,
we will provide you a travel card to refer to during times of emergency.
Description of Benefits:-
Personal Accident
In the event of bodily injury caused and directly by accidental causes
being sustained, you will be paid:-
| Benefits |
Causes |
| Benefit 1 |
Death by Accident |
| Benefit 2 |
Loss of one or more limbs
or permanent loss of sight in one or both eyes |
| Benefit 3 |
Permanent Total Disablement |
Medical Expenses
We will reimburse for the reasonable, customary and medically necessary
expenses incurred during your journey as a direct result of bodily injury
or illness sustained during the period of insurance for Overseas and Annual
cover. Domestic cover shall be limited to reasonable and medically necessary
expenses incurred due to accidental bodily injured.
Baggage & Personal Effects
We will cover the loss of or damage to your baggage and personal effects
taken, or purchased on the journey up to RM500 in respect of any one article
or pair or set of articles.
Personal Money & Travel Documents
We will reimburse you for the reasonable additional accommodation and
travel expenses, loss of your personal money and for the loss of your
Travel Documents whilst abroad.
Baggage / Luggage Delay
We will reimburse for emergency purchase of essential items upon temporary
deprivation of your baggage / luggage for at least 8 consecutive hours
from time of arrival at your journey destination abroad.
Personal Liability
We will indemnify you for legal liability to a third party as a result
of accidental bodily injury (including death) to any third party or accidental
loss of or damage to property of any third party.
Travel Delay
We will pay RM200 for each full 8 hours and up to the limit stated in
the plan as compensation if the scheduled carrier is delayed at any single
destination stop during your journey from home territory or return to
your home.
Loss of Deposit / Cancellation
If your trip is unavoidable cancelled due to natural disasters, death,
bodily injury, serious illness or other unexpected cause, we will reimburse
you the necessary pre-paid (irrecoverable) amount up to the limit set
in the Certificate of Insurance.
Curtailment
In the event of necessary and unavoidable cancellation due to causes beyond
your control during the journey, we will reimburse you on non-refundable
part of your trip up to the amount set in the Certificate of Insurance.
Flight Misconnection
If you miss the confirmed onward connecting flight at the transfer point
due to late arrival of your connecting scheduled flight and no alternative
transportation is available within 4 hours of the actual arrival time
of your incoming flight, we will reimburse you up to the amount set in
the Certificate of Insurance for any necessary and reasonable expenses
incurred.
Hijacking Inconvenience
You will receive a cash benefit as stated in the Certificate of Insurance
for each full 24 hours if the carrier or public transport services that
you are travelling in during your trip to oversea is hijacked.
Missed Departure
We will reimburse you for necessarily and reasonable additional accommodation
and travel expenses incurred as a result of public transport services
failure to get you to the departure port, airport or train station as
stated in your schedule ticket
Emergency Hotline Services
In the event of emergency situation, we will assist you via International
SOS from anywhere in the world for assistance / services on:-
- International Assistance (Travel)
- International Medical Assistance
- Domestic Emergency Medical Assistance
ANNUAL COVER
The highlights for Annual Cover includes terrorism cover, emergency hotline
services and open cover for corporate.
Below is the schedule of benefits:-
| BENEFIT |
|
(RM)
|
SECTION 1
Personal Accident |
Per Person |
200,000
|
| SECTION 2 |
|
|
Medical
Expenses
The following are subject to overall Medical Expenses limit:-
1) Medical, Hospital & Treatment Expenses |
Per
Person |
Up to
300,000
Subject to Medical Expenses
Excess:
Area 1 : 50
Area 2 : 100
Area 3 : 100 |
|
2) Repatriation of Mortal Remains
|
Per Person
|
5,000
|
| 3) Compassionate
Visitation / Allowance |
Per Person |
5,000 |
| 4) Child Care |
Per Day
Per Event |
500
5,000 |
| 5) Hospital Allowance
/ Income |
Per Day
Maximum: |
150
3,000 |
| 6)Emergency Medical
Evacuation / Repatriation |
Per Person
|
Subject to Medical
Expenses
|
| 7)
Follow up Treatment |
Per Person |
30,000 |
|
SECTION 3
Baggage and Personal Effects* |
Per Person |
5,000
Excess : 50 |
SECTION 4
Personal Money
Travel Documents |
Per Person |
Maximum : 5,000
Excess :50 |
SECTION 5
Baggage / Luggage Delay |
Per Person |
650 |
SECTION 6
Personal Liability |
Per Person |
1,000,000 |
SECTION 7
Travel Delay |
Per Person |
2,000 |
SECTION 8
Loss of Deposit / Cancellation |
Per Person |
15,000
Excess : 50 |
SECTION 9
Curtailment |
Per Person |
15,000
Excess : 50 |
SECTION 10
Flight Misconnection |
Per Person |
200
Excess : 50 |
SECTION 11
Hijacking Inconvenience |
Per Day
Maximum : |
250
1,000 |
SECTION 12
Missed Departure |
Per Person |
1,000
Excess :50 |
SECTION 13
Emergency Hotline Service |
|
Yes |
OVERSEAS & DOMESTIC COVER
The highlights for Overseas & Domestic Cover includes terrorism cover,
emergency hotline services, 3 overseas plans and one way cover for emigrants/students.
Below is the schedule of benefits:-
|
BENEFIT |
|
OVERSEAS
|
DOMESTIC |
PLAN 1
(RM) |
PLAN 2
(RM) |
PLAN 3
(RM) |
|
SECTION 1
Personal Accident
|
Per Adult
Per Child
|
100,000
10,000
|
200,000
15,000 |
300,000
20,000 |
150,000
15,000 |
| SECTION 2 |
|
|
|
|
|
Medical
Expenses
The following are subject to overall Medical Expenses limit:-
1) Medical, Hospital & Treatment Expenses** |
Per
Person |
100,000
Subject to Medical Expenses
|
300,000
Subject to Medical Expenses
|
300,000
Subject to Medical Expenses
|
15,000
(Accidental Medical Expenses)
|
|
2) Repatriation of Mortal Remains
|
Per Person
|
3,500
|
5,000 |
6,000 |
Not Covered |
| 3) Compassionate
Visitation / Allowance |
Per Person |
3,500 |
5,000 |
6,000 |
Not Covered |
| 4) Child Care |
Per Day
Per Event |
500
5,000 |
500
5,000 |
500
5,000 |
Not Covered |
| 5)
Hospital Allowance / Income |
Per Day
Maximum: |
100
1,500
|
100
1,500
|
100
1,500
|
Not Covered |
| 6)Emergency
Medical Evacuation / Repatriation |
Per Person |
Subject
to Medical Expenses
|
Subject
to Medical Expenses |
Subject
to Medical Expenses |
Covered
(Subject to Medical Expenses) |
| 7)
Follow up Treatment |
Per Person |
30,000 |
30,000 |
30,000 |
Covered
(Subject to Medical Expenses) |
|
SECTION
3
Baggage and Personal Effects* |
Per Person |
2,000 |
5,000 |
6,500 |
Not Covered |
SECTION
4*
Personal Money
Travel Documents |
Per Person |
3,000 |
5,000 |
7,000 |
Not Covered |
SECTION 5
Baggage / Luggage Delay |
Per Person |
300 |
650 |
800 |
Not Covered |
SECTION 6
Personal Liability |
Per Person |
500,000 |
1,000,000 |
1,000,000 |
Not Covered |
SECTION 7
Travel Delay |
Per Person |
1,000 |
2,000 |
3,000 |
Not Covered |
SECTION 8
Loss of Deposit / Cancellation* |
Per Person |
10,000 |
15,000 |
18,000 |
Not Covered |
SECTION 9
Curtailment |
Per Person |
10,000 |
15,000 |
18,000 |
Not Covered |
SECTION
10
Flight Misconnection* |
Per Person |
100 |
200 |
350 |
Not Covered |
SECTION 11
Hijacking Inconvenience |
Per Day
Maximum: |
150
600 |
250
1,000 |
300
1,200 |
Not Covered |
SECTION 12
Missed Departure* |
Per Person |
500 |
1,000 |
1,000 |
Not Covered |
SECTION 13
Emergency Hotline Service |
|
Yes |
Yes |
Yes |
Yes |
| ** Excess: |
Area 1 : 50
Area 2 : 100
Area 3 : 100 |
| * Excess: |
50 |
|  |
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