Travel Insurance for Malaysia

Know more About Travel Insurance

Located in Southeast Asia, Malaysia comprises two regions: Peninsular Malaysia and East Malaysia. The South China Sea separates these two regions by about 640 km, and the regions are further divided into 13 states and three federal territories. Sharing land borders with Thailand, maritime borders with Thailand, Singapore, Vietnam, and Indonesia in Peninsular Malaysia, Eastern Malaysia shares land borders with Indonesia and Brunei and naval borders with the Philippines and Vietnam. 

Even in 2024, no other slogan defines Malaysia than “Malaysia, truly Asia”. Starting in 1999 as a tourism slogan, Malaysia has continually demonstrated that it is truly an amalgamation of all that makes Asia great. Celebrating its diversity and the seamless coming together of colours, sounds, cultures, traditions, flavours, and tourist spots, Malaysia is the perfect destination for your next trip. 

However, while planning a trip to Malaysia, travellers must secure their trip with Malaysia travel insurance to protect themselves and their loved ones financially from travel-related risks. Keep reading to learn all you need to know about getting travel insurance from India to Malaysia for your next trip.

Travel Insurance For Malaysia From India

Travelling is expensive, and often, facing any unexpected circumstances can result in financial loss and a negative travel experience. This is where travellers opt for travel insurance to secure their trip and help mitigate the financial impact of these risks, enabling them to travel safely with peace of mind. Just like any other country, travellers going to Malaysia must exercise caution, follow predetermined tourist routes, and avoid any suspicious places or people. However, in addition to these risks, dozens of other medical and non-medical travel-related risks need to be considered when planning a trip. It is thus essential to take appropriate precautions for them, such as travel insurance for Malaysia.

Why Do You Need Travel Insurance From India to Malaysia?

Whether it is due to the impact of potential risks such as flight cancellation, loss of checked-in baggage, medical emergency, the already high expenses of foreign travel, or the fear of having to face these risks alone, travel insurance for Malaysia is a necessary investment for all travellers. Here are some key reasons why you should consider opting for travel insurance when travelling.

1. Health issues

   Coverage for health issues when travelling to Malaysia is one of the key reasons to opt for a travel health insurance Malaysia.

2. Flight related issues

   Whether it is a missed connecting flight, cancelled flight or any other flight related issues, travellers should consider opting for Malaysia travel insurance to mitigate the impact of these risks. 

3. Loss of checked-in baggage or passport

   The loss of checked-in baggage or passport is another risk why opting for travel insurance Malaysia is essential for your trip.

4. Trip cancellation

   Cancellation of a trip is another major reason for availing travel insurance for Malaysia. This is because travel and accommodation which are a major chunk of the investment for an international trip are paid in advance and might not be refundable thus resulting in a complete loss of this amount. This is where an insurance with trip cancellation benefit helps mitigate its financial impact allowing travellers to travel freely.

5. Accidental death or permanent disability

   An accident does not look for a time or place and can happen at any time, anywhere and can cause death, disability, and destruction of property. This is why it is essential for travellers to consider the potential impact of these risks and get travel health insurance Malaysia.

Types of Travel Insurance for Malaysia

Travel insurance for Individuals:

Individuals planning a trip to Malaysia can opt for single-trip travel insurance to get the best coverage for their needs whether it is for trip cancellation, loss of passport or any other risks.

Travel insurance for Families:

Families can opt for Malaysia travel insurance for a more cost-effective and convenient policy. Not only do families get all of the benefits of a single-trip travel insurance, they can also benefit from the discount offered to 2 and more travellers as well as the convenience of covering all individuals in a single policy.

Travel insurance for Student:

Niva Bupa offers student travellers student travel insurance for Malaysia for up to 36 months. Not only do these policies offer several travel related risks but also student-specific risks which can lead to financial loss and a negative impact when studying abroad.

Explore the Key Benefits Offered by Travel Insurance for Malaysia

Similar to the insurance coverage offered in other countries, travellers can expect the same level of coverage for travel insurance for Malaysia with Niva Bupa. From coverage for several travel-related risks, travellers can get the best coverage for their needs.

• Niva Bupa offers travellers a simple, convenient and affordable way to secure their Malaysia trip with Malaysia travel insurance.
• Coverage of up to $500,000 under travel insurance from India to Malaysia.
• Niva Bupa provides 24/7 assistance in any emergency to travellers with travel insurance Malaysia. 
• The policy covers policyholders from expenses incurred due to medical emergencies, personal accidents, COVID-19, medical evacuation, repatriation, pre-existing diseases during emergencies, and more.
• Student travellers with student travel insurance for Malaysia are also covered for additional risks, including 100% coverage for pre-existing diseases, study interruption coverage, sponsor protection, dental treatment, maternity expenses, and more.
• Travellers are also covered for non-medical risks, such as lost checked-in baggage or essential documents like passports and visas, missed connecting flights, trip delays, interruptions and cancellations, and personal liability.

What is Covered Under the Travel Insurance for Malaysia?

A traveller opting for a Malaysia travel insurance from Niva Bupa can expect a comprehensive policy with dozens of coverages. As travellers will receive compensation or reimbursement for expenses borne due to these risks, travellers can travel freely with confidence and peace of mind. Here are some of the key coverages you can expect from Niva Bupa’s travel insurance for Malaysia policy:

Delay or loss of checked-in baggage: 

This coverage offers partial or complete reimbursement for significant delay or loss. 

Missed connecting flight:

This coverage reimburses you for the extra accommodation and travel costs to reach the next destination if you miss a pre-booked connecting flight due to the original flight running late. 

Loss of passport: 

This coverage reimburses you for the cost of applying for a new passport if the original is lost.

Dental treatment:

This coverage reimburses a pain-relieving dental treatment availed under anesthesia. 

Trip delay, cancellation, interruption: 

These three separate coverages offer reimbursement for part of the travel and accommodation costs if your travel is delayed, canceled, or interrupted due to certain conditions mentioned in the policy document. 

Medical emergency (hospitalization): 

This coverage offers reimbursement for the cost of medical treatment.

Emergency outpatient treatment: 

This coverage reimburses any emergency treatment under OPD. 

Medical evacuation: 

This coverage reimburses the transfer cost from one hospital to another if the primary hospital does not offer appropriate care. 

Emergency trip extension: 

If the trip is extended due to certain exceptional circumstances, this coverage offers an extension of the policy up to 7 days. 

Personal accident: 

This coverage pays a portion up to the sum insured for accidental death or disability.

Repatriation of mortal remains: 

This coverage reimburses you for the cost of transporting the mortal remains of the traveler or the cost of cremation in the city/country of death. 

There might also be additional coverage options depending on the type of travel; thus, it is vital to check the policy document for clarity on what is covered.  

What is Not Covered Under the Malaysia Travel Insurance Plan?

• In addition to what is covered, travellers should also consider the exclusions or what is not covered as a part of the policy to make an accurate assessment and not be surprised at the last moment. Here is a snippet of some of the exclusions listed by Niva Bupa:

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• Treatment for any injury or illness resulting from nuclear or radiological emissions, war or rebellion, and specific acts of terrorism.
• Active participation in military exercises, war games, or engagement with the enemy.
• Any loss or injury due to committing or attempting to breach the law with criminal intent. 
• Expenses for cosmetic or plastic surgery or any treatment to change appearance, including obesity or weight control programs. Unless in certain circumstances as listed in the policy document.
• Maternity expenses.
• Non-prescription or unproven drugs or treatments.
• The provision of fitting hearing aids, spectacles, or contact lenses, including optometric therapy, any treatment, and associated expenses for alopecia, baldness, wigs, or toupees, and medical supplies, including elastic stockings, diabetic test strips, and similar products.
• If the insured person is travelling against the advice of a doctor or is receiving or on a waiting list for specified medical treatment.
• Death, injury, medical condition, or disability resulting from suicide or attempted suicide, self-inflicted wound or illness, consumption of alcohol or drugs, and depression.
• Countries with travel restrictions for Indians.
• Medical tourism.
• Damages due to adventure sports are not covered unless part of the coverage.
• Expenses related to any admission specifically for diagnostics and evaluation purposes that are not related or incidental to the current diagnosis and treatment.

Please note that this list is an excerpt from the policy document, and it is essential to read and assess the exclusions outlined in the policy document when purchasing a policy to avoid any last-minute surprises and hassles.

Who Should Buy Niva Bupa Travel Insurance for Malaysia?

Any traveller planning to go on an international trip should consider buying an international travel insurance policy from Niva Bupa. That is because Niva Bupa is one of the leading providers of travel insurance in India, offering comprehensive travel insurance policies for over 190 destinations at affordable prices. Niva Bupa also provides coverage of up to $500,000, depending on the region, and offers three plans to choose from. In addition to this, Niva Bupa is reliable and highly reviewed by its customers, making it an excellent choice for most travellers looking for travel insurance.

What Are the Criteria for Being Eligible for Travel Insurance for Malaysia?

The following are the eligibility criteria to buy travel insurance for Malaysia from Niva Bupa one of the leading providers of travel insurance in India. 

• Adults should be between the ages of 18 and 70.
• Dependent children can be up to the age of 25.
• Travellers must possess and furnish the mandatory documents, including copies of passports, visas, income proof, and other relevant papers.

How Do You Buy Travel Insurance Online Malaysia?

Travellers looking to buy travel insurance for Malaysia can easily do so online, directly from the Niva Bupa website. Here is how you can buy Malaysia travel insurance to secure your trip:

1. Enter Your Mobile Number to start the process.
2. Add Trip Details: Select either Single-Trip or Student Travel Insurance and choose Malaysia.
3. Select Travel Dates: Ensure accuracy, taking into account time zone differences for international travel.
4. Enter Traveller Ages: Enjoy a 10% discount when insuring two or more travellers.
5. Choose Coverage Amount: From $50K to $500K.
6. Select your policy type: Lite, Basic, Comprehensive, or Honeymooners.
7. View Summary: Review plan details, sum insured, travel dates, trip duration, destination, and number of travellers.
8. Provide KYC Details: Review policy terms and give consent for Niva Bupa Health Insurance to download your KYC.
9. Add Personal & Medical Details for all travellers.
10. Make the Payment: Your policy copy will be emailed instantly.

When to Buy Malaysia Travel Insurance?

While travellers planning a trip to Malaysia can purchase travel insurance for Malaysia up to the point of departure and commencement of the trip, it is highly recommended that travellers buy insurance as soon as they book their flight tickets. This ensures financial protection in the event of trip cancellation due to a specific reason, providing reimbursement for non-recoverable expenses incurred for travel and accommodation to the covered individual. So while it is possible to get the policy even at the last moment, it is beneficial to buy travel insurance coverage Malaysia sooner rather than later.

Factors Affecting the Premium Of Travel Insurance For Malaysia

There are a number of factors which influence the premium for travel insurance Malaysia. These factors mainly range from the age of the traveller, the comprehensiveness of the plan opted for, number of dates the individual will be travelling for, the region they will be travelling to, and sum insured. 

While there is not much which can be done to change the premium cost of a policy, by considering the above factors it is possible to understand the factors affecting the premium prices allowing the traveller to make an informed decision when choosing an insurance policy over the other.

What You Need to Know About Filing a Claim for Travel Insurance in Malaysia

Travellers who need to file a claim settlement request for travel insurance can do so easily with Niva Bupa. There are several ways to request a claim settlement from Niva Bupa. Refer to the following methods for a quick and hassle-free claim process.

1. To file a travel insurance claim, you first need to contact your insurer, Niva Bupa. 
2. You may also contact the global third-party administrator if you are travelling overseas.
3. You can raise a claim for travel insurance online, through mail, or even physically. You can do so both while overseas or when you return to India.
4. You must submit a duly filled claim form along with the required documents based on the type of claim—for example, loss of baggage, trip cancellation, medical emergency, or death.

5. Besides this, one can make two types of claims in the case of a medical emergency. 

Cashless claim

• Niva Bupa is partnered with Europ Assistance, a global third-party administrator, to provide cashless claims to hospitals and healthcare centres worldwide.

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• The customer intimates the claim to Europ Assistance via a toll-free number or email. 
• The TPA - Europ Assistance will contact the customer and provide them with the required Malaysia travel insurance details.
• Europ Assistance will then initiate the GOP (Guarantee of payment) process with the hospital where the customer will receive treatment.
• Europ Assistance will request the documents from the hospital or the customer and, after assessing the claim, send them to Niva Bupa for approval/rejection/query/investigation.
• Our medical team will approve the claim by e-mail.
• The GOP will be released to the hospital as per the amount claimed.
• The hospital will contact the Europ Assistance team if any additional amount is required.
• At discharge, documents will be sent to Europ assistance and approved accordingly.
• After discharge, the hospital will send the documents to Europe Assistance for settlement to the hospital.

Reimbursement Claim 

Mandatory Documents Required for Reimbursement Claims

1. Claim form
2. KYC
3. Cancelled cheque of the proposer
4. Discharge summary 
5. Final bill along with break-up
6. Payment receipt
7. All investigation reports 

Malaysia Visa Details and Entry Information

Malaysia does not offer a direct visa on arrival or visa-free entry to Indians. While Indian travellers visiting connected countries such as Thailand, Singapore, Brunei, or Indonesia can obtain a Malaysia visa on arrival, they cannot land in Malaysia directly and get a tourist visa on arrival. 

Tourists, students, employees, and medical tourists seeking to visit Malaysia can obtain an e-visa. Tourists visiting Malaysia for less than 30 days can obtain a Malaysia Digital Arrival Card (MDAC) online at least three days before their travel date to enjoy a 30-day visa-free stay, making it convenient for those eligible. However, those with an MDAC are required to carry confirmation of their MDAC, along with a valid passport and confirmed onward or return flight tickets, to be granted entry. 

For more information about the specific visa requirements, visit the official website of Malaysia’s Ministry of Foreign Affairs.

What Are the Travel Documents Required While Travelling From India to Malaysia?

In order to obtain a visa in Malaysia, tourists need to carry the following documents to the security and immigration screening at their port of entry. 

1. An Indian passport with at least six months of validity
2. Confirmed return flight tickets
3. Confirmed accommodation booking
4. Proof of having enough finances for each day of the trip
5. Online submission of the Malaysia Digital Arrival Card (MDAC) three days before the arrival date.

Which is the Best time to visit Malaysia and Malaysia Tourist Places?

The best time to visit Malaysia depends on which specific coast you are planning your trip to. As both regions have slightly different seasons and preferred time to visit to take advantage of for activities and events. Here is a table for the months and specific benefits of visiting Malaysia during this time.

Top Tourist Destinations in Malaysia

Malaysia has several popular tourist destinations for all tourists to consider when planning a trip to the country. Here are some of the top destinations you should consider as a part of your holiday checklist:

1. Witness the world’s tallest twin towers in the Petronas Towers in Kuala Lumpur
2. Experience the Hindu culture and pilgrimage at Batu Caves in Selangor
3. Revive the child in you at Legoland Malaysia in Johor
4. For the foodies in the group, Jalan Alor in Kuala Lumpur is the place to be
5. Get your shopping itch scratched at the Pavilion KL in Kuala Lumpur

Popular Indian Restaurants to Visit When Travelling to Malaysia 

When planning a trip to Malaysia as an Indian, you may want to look for good Indian cuisine and food there. Here is a list of some of the most popular restaurants to visit when in Malaysia:

• MTR 1924 Malaysia: A standout for South Indian vegetarian cuisine, serving traditional Karnataka flavours, located in Brickfields.

• Bombay Palace Restaurant: This restaurant is a must-visit for North Indian cuisine, as it is renowned for its award-winning establishment.

• Passage Thru India: Known for its artistic and spacious interior, this restaurant offers a wide variety of traditional Indian dishes and Tandoori specialities.

• Sri Nirwana Maju: A Bib Gourmand eatery in the Michelin Guide, specialising in set meals served on large banana leaves.

• Qureshi: Situated next to a golf course, this restaurant offers picturesque views and a blend of traditional North Indian flavours with modern aesthetics.

Some Interesting Facts About Malaysia

From being a former British colony from 1786 to 1957 to having expelled Singapore in 1965, Malaysia is a fascinating country with many interesting facts. Here are some of the main facts to consider:

1. Malaysia is home to the Petronas Towers, the world's tallest twin towers, which feature a skybridge connecting them.
2. Malaysia follows a constitutional monarchy and is considered the oldest sultanate in the world.
3. Estimated to have the world’s oldest tropical rainforest.
4. Malaysia, as a country, has changed its time zone 7 times in its recorded history since 1901.

Do’s and Don’ts to keep in mind when visiting Malaysia

• Although cities are generally liberal, it's wise to dress conservatively, especially when visiting religious sites such as mosques and temples.
• Always remove your shoes before entering a mosque or a temple. 
• Speak in a low voice and be mindful of people who are praying. 
• It's polite to ask for permission before taking photographs.
• Use Ride-Sharing Apps, as they are more reliable and transparent with pricing.
• Don't be afraid to negotiate for a better price politely.
• Don't point at someone with your index finger.
• Avoid public displays of affection, as Malaysia tends to be conservative
• Refrain from discussing sensitive subjects, such as religion, race, and politics, with strangers.
• Avoid making negative comments about the food, even if you are not used to the flavours.