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: For checked-in baggage delayed more than 3 hours, you receive up to $150.
• Loss of Checked-In Baggage: If the airline confirms total loss, ACKO compensates you up to $500.
• Damaged Baggage: If checked-in baggage is damaged and confirmed by the airline, you receive up to $50.
• Financial Emergency Assistance: If you lose your wallet while abroad, ACKO can collect a specified amount from your family or friends in India and deliver it to you at your location.
• Loss of Passport: Costs for obtaining a replacement passport or emergency travel documents are covered up to $300.
• Home Protection: If theft occurs at your residence while you're away, ACKO reimburses the actual loss (excluding cash or valuables) up to ₹100,000.
• Personal Legal Liability: ACKO covers up to $50,000 for legal liabilities—including litigation expenses and bail bonds—arising from accidental injury, death, or property damage caused to a third party during your trip. You must notify ACKO 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."

• Be prepared for sudden rain (Nov-Mar) with an umbrella.
• Keep emergency contacts and travel insurance details accessible.
• Maintain distance from wildlife in nature reserves.
• Use mosquito repellent for dengue and drink bottled/boiled water.
• Respect local customs: cover up at religious sites, remove shoes in homes/temples, and dress conservatively.
• Exercise caution when crossing roads due to hectic traffic and motorbikes.
• For COVID-19, wear masks, maintain distance, practice hygiene, follow local guidelines, and cooperate with authorities if symptoms appear.