Tokio Marine Annual Explorer

Enjoy every journey. Stay protected all year long.

What is Tokio Marine Annual Explorer insurance?

Worry-free annual travel protection that provides you with comprehensive and wide coverage (including Terrorism) and extra add on cover to suit an individual’s needs

Options

Tokio Marine Annual Explorer is the right plan for you if:

You travel more than 2 trips in a year
Your age between 18 to 75 years old
You are unsure of how many trips in a year or spontaneous trips without much planning, and do not wish to worry in getting separate policies each time you travel.
Travel period up to 90 days per trip

Key coverage

Here is an overview of your coverage

Sections & Benefits Coverage

Section 1

Personal Accident & Medical

Accidental Death & Permanent Disablement
Repatriation or Overseas Burial/Cremation
Medical & Related Expenses
Compassionate Care
Child Care
Emergency Medical Evacuation
Hospital Allowance

Section 2

Travel Inconveniences

Personal Luggage & Personal Effects
Luggage Delay
Persona Money & Travel Documents
Travel Cancellation or Postponement
Travel Curtailment or Disruption
Travel Delay
Missed Departure
Flight Misconnection
Overbooked Flight
Personal Liability
Additional Cost of Rental Car Cover
Travel Agent’s Insolvency Cover
Fraudulent Use of Credit Cards

Section 3

Lifestyle Cover

Home Care
Golfers Cover
Pet Care
Trauma Care
Tokio Marine Travel Assistance Services

Section 4

Optional Cover

Extreme Activities (with additional premium)

Travel Area

Area 1

Australia, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Korea, Laos, Macau, Malaysia (from Peninsular Malaysia to East Malaysia or vice versa), Maldives, Myanmar, New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand, and Vietnam.

Area 2
Worldwide excluding United States of America, Canada, Tibet, Nepal, North Korea, Syria, Cuba, Iran, Iraq, Liberia, Sierra Leone, Crimea, and Sevastopol.

Area 3
Worldwide excluding North Korea, Syria, Cuba, Iran, Iraq, Liberia, Sierra Leone, Crimea, and Sevastopol.

How much is my premium?

Your premium may vary, depending on your destination.

Annual Premium	Adult		Senior
Annual Premium	P500	P325	P500	P325
Area 1	RM 358.00	RM 288.00	RM 677.00	RM 545.00
Area 2	RM 426.00	RM 343.00	RM 807.00	RM 649.00
Area 3	RM 500.00	RM 403.00	RM 947.00	RM 762.00
Extreme Activities (optional cover) Area 1-3 Additional Premium	RM 120.00	RM 120.00	Not Applicable	Not Applicable

(Subject to 6% Service Tax and RM10 Stamp Duty)

Product literature

What we don’t cover

War and related risks including riot or civil commotion
Government regulations/acts or authorities of any country
Claims arising from manual work in connection with any trade, employment or profession
Travelling (other than as a fare paying passenger) in a fully licensed passenger aircraft
Suicide or self-inflicted injuries
Hazardous adventure
HIV, AIDS/AIDS-related complex
Effect/Influence of alcohol or drugs
Pregnancy, childbirth, abortion or miscarriage
Pre-existing medical conditions
Illness/disorders of a psychological nature, any anxiety state and/or nervous depression and mental illness

Note:
This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy.

Important information

This plan is underwritten by Tokio Marine Insurans (Malaysia) Berhad. All benefits and features mentioned herein are subject to terms and conditions of the policy. It is in your best interest to refer to the Policy Contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only and is accurate as at 26 November 2019.

Note: You are advised to take note of the scale of benefits for death and disablement in your insurance policy. It is recommended that you select a nominee and ensure that he/she is aware of the personal accident policy that you have purchased. You should read and understand the insurance policy, at all times, feel free to contact us for more information.