Insurance
PRODUCTS / TRAVEL
Travel
Explore the world with confidence, knowing that you’re covered by our comprehensive travel insurance plans. Designed to provide you with peace of mind during your journeys, our coverages ensure that you can focus on making memories instead of worrying about the unexpected.
We protect you against risk
At insureKU, we’re dedicated to offering the right coverage at the right price and value. Our travel insurance plans are crafted to provide you with financial protection against travel mishaps, from cancellations to medical emergencies. By choosing us, you’re taking a proactive step to ensure your travels are smooth and worry-free.
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The Right Coverage. The Right Price. The Right Value
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Trip Cancellation and Interruption Coverage
If your trip gets canceled or cut short due to unexpected reasons (like illness), this insurance helps cover the costs you've already spent.
Medical Expense Coverage
If you get sick or hurt during your trip, this insurance helps pay for medical bills so you don't have to worry about medical costs abroad.
Lost or Delayed Baggage Coverage
If your luggage gets lost or arrives late, this insurance helps cover the cost of essentials you might need until your bags catch up.
Travel Delay or Missed Connection Coverage
If your trip gets delayed or you miss a connecting flight, this insurance can cover extra expenses like food and accommodation.
Emergency Assistance Services
If you're in trouble during your trip, like needing help finding a doctor or translator, this insurance provides you with immediate assistance.
Personal Liability Coverage
If you accidentally damage property or cause injury to someone during your trip, this insurance helps cover legal costs or compensation.
Rental Car Coverage
If you're renting a car during your trip and something happens, this insurance can help cover the costs associated with damage or accidents.
Peace of Mind
With travel insurance, you can travel with peace of mind, knowing that you're protected from unexpected challenges that might pop up.
Deductible Amount
This is the initial amount you agree to pay before your insurance coverage kicks in. For instance, if your deductible is RM500 and your bill is RM1,000 , you will pay RM500, and the insurance covers the remaining RM500.
Why choose us
Fast, dedicated, professional
Experience the difference of a fast, dedicated, and professional insurance aggregation partner. Our streamlined process ensures you get the coverage you need quickly and efficiently. Our team is dedicated to assisting you every step of the way, from selecting the right travel insurance plan to addressing any travel concerns you may have. With our expertise, you can journey confidently, knowing that you have a safety net wherever you go.
Tips: Protect the Things that Matter to You
Your travel experiences are precious. With our travel insurance plans, you’re not just getting coverage; you’re investing in safeguarding your trips and the memories you create. By protecting against unexpected events, you can focus on enjoying your travels and cherishing the moments. With insureKU, your adventures are filled with joy and peace of mind.
* The specific coverage and benefits of travel insurance can vary depending on the policy and provider. It’s important to carefully review the policy terms, conditions, coverage limits, and exclusions to ensure it aligns with your specific travel needs and provides adequate protection.
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Insurance partners
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SUPPORT
1. What is Term Life Insurance / Term Life Takaful?
Term Life insurance or Term Life Takaful is one the simplest and most reliable financial solutions that will protect your loved ones when you are no longer able to. The benefit will allow your family to cope with loss without the additional stress of worrying how to make ends meet. The money can help them to:
- Pay off the remaining mortgage.
- Cover personal debts and loans.
- Maintain their quality of life and pay day-to-day expenses.
- Cover your childrens’ school tuition.
- Cover funeral expenses and provide an inheritance plan.
We realize there is no “one size fits all” life insurance plan, thereby, we provide a full range of solutions to suite every stage of life. By partnering with insurers in Malaysia, we are able to provide products for individuals looking to protect their families, their business, mortgage or themselves.
2. Do I Need Term Life Insurance or Term Life Takaful?
If you are married, have children, or parents who depend on you, it’s wise to have a term life insurance policy or term life takaful certificate that provides a safety net should something happen to you for a specific period. A policy or certificate will protect yourself, your assets and your loved ones when you no longer can. The payout from a policy could mean that it helps with medical bills, mortgage payments, outstanding debt, or monthly income for your family.
3. What does life insurance cover?
Life insurance pays out a lump sum to your beneficiaries if you die. Often the funds are used to pay off a mortgage, to help raise children, or to cover rent and day-to-day expenses. Funds can also be used to settle medical bills or co-signed debts that would otherwise be transferred to your partner.
There is no income or capital gains tax on life insurance payouts, however you could be subject to inheritance tax if your estate (the sum of your anything you own) is over a threshold. This can be sidestepped by placing the policy in trust, so that you beneficiaries become the trustees, and the policy is no longer part of your estate.
4. When is the best time to get covered?
The younger you are, the cheaper your life insurance policy is likely to be. This means it’s more efficient and cheaper in the long run to get covered as soon as you’re considering it, or soon as you have dependents.
5. Can I get covered if I've had health issues?
Everyone is unique, and every policy is underwritten individually. While health history is one of many price factors (often also including current health, age and use of tobacco), it doesn’t in any way prevent you from receiving quotes. Our experts have helped many happy applicants with pre-existing conditions and health challenges.
6. What does medical card cover?
Medical card covers all hospitalization bills. All bills related to admission of illness, whether it is illness or accidental will be covered according to the Annual Limit of the card.
7. Whom should I contact if I have an issue?
Please send in our queries to info@insureku.com and our helpdesk will revert to you the soonest possible. Alternatively, you may click on the contact us icon on the website to send us your queries and we will email you on the related matter.
8. Will I receive a policy or certificate contract after my application?
Yes, you will receive the policy contract from the insurer or takaful operator that you have purchased it from. The specific insurer will email the contract to you directly once the purchase of the policy/certificate is successful.
9. What do I do when there is a claim?
You would have to contact the specific insurer when there is a need for claim. The details of the number will be given in the policy contract. You may click on the claim tabs of the specific insurer/takaful operator on insureku.com and it will redirect you to the specific claims department.
10. What should I do if my payment is not successful?
You may email to info@insureku.com or click on the contact us tab and submit your details there and our customer service team will get back to you the soonest.