Travel Insurance for Malaysia

Malaysia is a melting pot of different races and cultures, making it a popular tourist attraction for people from around the world. Every year, the country witnesses hundreds of festivals of different faiths, all celebrated with a sense of togetherness.

However, to enter and explore Malaysia and its 11 states and two federally administered territories (Putrajaya and Kuala Lumpur), you must have a valid visa. Along with this, you must also prepare for unexpected medical and other emergencies by investing in a Malaysia travel insurance plan.

Reliance General Insurance offers different types of insurance for travel to Malaysia to ensure you have ample financial coverage in case of unforeseen circumstances that can otherwise leave you with a significant financial and mental burden.

Is Travel Insurance for Malaysia from India Mandatory?

If you are travelling to Malaysia, there is no mandatory requirement to buy Malaysia travel insurance. However, with the extensive travel insurance coverage in Malaysia, you can benefit from the following -

• Coverage for medical emergencies

• Coverage for trip delays, interruptions, and cancellations with flight insurance Malaysia

• Coverage for third-party liabilities

• Coverage for expenses incurred for transportation of mortal remains from Malaysia to India

• Coverage for total loss of checked-in baggage or passport, etc.

Malaysia Travel Insurance Types

Malaysia Travel Insurance Benefits

Medical Coverage

With the best travel insurance for Malaysia, you can benefit from comprehensive financial coverage for medical emergencies and unplanned medical treatment due to an unexpected injury or accident.

Journey Support

Unexpected trip delays and cancellations not only cause mental stress but also result in significant loss of savings due to the non-refundable flight and accommodation bookings. However, with holiday insurance Malaysia, you can receive due compensation for the non-refundable bookings.

Coverage for Third-Party Liabilities

No matter how careful you are, unintentional damage to a third party can result in unnecessary legal and compensatory expenses when in Malaysia. Malaysia travel insurance can provide the necessary financial support to cover these expenses without affecting your savings.

Loss of Baggage and Passport Coverage

If you lose your passport or face a total loss of check-in baggage, a international travel insurance​ plan can provide the necessary financial and legal support to reach India. Moreover, you will also benefit from due compensation for the essentials in case of total baggage loss.

Reliance Malaysia Travel Insurance

Reliance General Insurance offers the best travel insurance plans for Malaysia, with extensive coverage for various unforeseen circumstances.

From medical emergencies and personal accidents to third-party liabilities and trip delays or cancellations, you benefit from the necessary travel insurance coverage for Malaysia without any hassle.

While predicting the risk of unexpected events is not easy, protecting your savings from a significant dent is in your hands. To ensure you find the best plan for your needs and budget, we offer three types of travel insurance for Malaysia from India.

You can choose from our silver, gold, and platinum plans based on specific coverage requirements and sum insured values. To understand this better, let's look at the key features of these plans below.

Features of Reliance Malaysia Insurance

Reliance Travel Insurance Coverage Malaysia: Inclusions & Exclusions

Inclusions

Some of the standard inclusions for a Malaysia travel insurance plan include -

• Medical evacuation to India

• Total loss of checked-in baggage

• Medical emergencies

• Trip delays and interruptions

• Third-party liabilities

• Permanent disability or death

• Emergency financial assistance

• Coverage to obtain a fresh or duplicate passport

• Acute anaesthetic dental treatment in case of an accidental injury in Malaysia

• Hijack allowance

Exclusions

Some of the standard exclusions for a Malaysia travel insurance plan include -

• War and nuclear attacks

• Travelling against the advice of a doctor

• Loss of passport due to carelessness

• Negligent behaviour

• Self-inflicted injuries

• Claims towards undisclosed pre-existing medical conditions and illnesses

• Delay or partial loss of baggage

• Cosmetic procedures

How to Buy Travel Insurance Online for Malaysia from Reliance General Insurance?

• Step 1 - Visit our website > Explore Products > Asia Travel Insurance

• Step 2 - At the top, select the type of plan between Individual, Family, and Annual Multi-Trip and click on "Next".

• Step 3 - On the next page, select the destination and country before adding personal information such as mobile number, birth date, and travel companions, if applicable.

• Step 4 - Cross-check the information and then select "Get Quote" to check the applicable premium for the chosen policy.

• Step 5 - Once satisfied, pay the premium amount using the available payment methods and complete your online insurance Malaysia purchase. 

Benefits of Buying Insurance for Malaysia Travel Online

1. If you choose to buy travel insurance online for Malaysia, you will benefit from zero paperwork, reducing the hassle of collating documents.

2. The online Insurance Malaysia process is quick and convenient, as opposed to the traditional offline process, which requires physical appointments and long queues.

3. If you buy travel insurance online for Malaysia, you are not required to undergo medical screening if you are under 45 years of age.

4. The online process also allows you to easily compare different travel plans and their premiums to choose the best plan based on needs and budget.

5. You can also explore various discounts when purchasing Malaysia travel insurance plans online.

6. Lastly, the online process ensures complete transparency and data security to ensure your personal information is safe and you are fully in the loop about all the costs involved in your policy.

Process to Claim Malaysia Travel Insurance

• Step 1: Notify Us - To file a Malaysia insurance claim, you must first inform us about the incident within 24 hours of its occurrence. 

• Step 2: Collect Supporting Documents - After informing us, start collecting the necessary documents relevant to your claim. This will include FIRs, medical bills, doctor prescriptions, other invoices, etc.

• Step 3: Submit Claim - Once all the documents are ready, file a claim and submit it and the additional documents to us for evaluation.

• Step 4: Claim Settlement - After the claim verification process is complete, you will receive a status update. If your claim for insurance for Malaysia travel is approved, the applicable benefit will be reimbursed in your registered bank account or settled directly with the Malaysian hospital or other parties involved.

Also Read - Documents Required to Register a Claim

Cost Range for Travel Insurance for Malaysia From India

• Trip Duration - The potential travel insurance for Malaysia cost directly depends on your trip duration. For longer trips, the premium will be higher than for shorter trips that require lesser coverage.

• Required Sum Insured - Your choice of the sum insured also impacts the Malaysia travel insurance cost. A higher sum insured attracts a higher premium and vice versa, so choose wisely.

• Type of Plan - Your choice between the individual, family, and annual multi-trip plans will also impact the price of your travel insurance policy. For instance, a family plan will be more cost-effective when compared to individual plans for each family member.

• Additional Requirements - In addition to the sum insured, type of plan, and trip duration, specific coverage needs for pre-existing conditions and diseases will also increase the travel insurance cost.

Tips to Buy Travel Insurance Malaysia from India

1. You must assess your coverage needs before selecting any plan. This will help you understand how much coverage you need based on age, pre-existing conditions, travel companions, and so on.

2. You must always compare different travel insurance plans and their premiums to choose a plan that suits your budget while providing the necessary financial coverage.

3. To find cheap travel insurance Malaysia deals, you must buy the necessary policy online to avail of various discounts without any hidden costs.

4. Before finalising any policy, check the travel insurance coverage in Malaysia of different plans applicable to you by evaluating the specific policy inclusions and exclusions.

5. To find the best travel insurance to Malaysia, you must also review the availability of customer support and online claim procedure with different insurers to save time and effort in times of need.

Also Read -How to Choose Right Travel Insurance for Your Trip

Malaysia Visa and Entry Information

Malaysia Visa on Arrival for Indian Citizens

Indian citizens planning to visit Malaysia can avail of a visa-on-arrival facility till 31 December 2024. This facility came into effect in December 2023 as part of the 50th Anniversary of Diplomatic Relations between Malaysia and India.

Eligibility criteria for Malaysia visa-on-arrival for Indian citizens -

• Entry to Malaysia from Brunei, Indonesia, Singapore or Thailand only.

• Submission of a Malaysia Digital Arrival Card online at least three days before you arrive in Malaysia.

• Entry to Malaysia via authorised airports only.

• Proof of sufficient funds.

• An Indian passport with a validity of at least six months.

• Flight tickets to and from Malaysia.

• Accommodation bookings.

Types of Visas for Malaysia

Application Process for Malaysia Visa

• Visit the official website of Malaysia Electronic Visa Facilitation and Services.

• From the homepage, locate and click on the "I'm New, Apply" option.

• On the new page, add all the requested information accurately to create a valid account.

• After account creation, choose and apply for the appropriate visa category by filling out a visa application form.

• Along with the form, upload the mandatory supporting documents for the final submission.

• Pay the applicable Malaysia visa fee using any of the digital payment options.

• Wait for approval and print the e-visa copy to visit Malaysia.

Documents Required for Malaysia Visa

• A duly filled and signed application form for the applicable visa.

• An Indian passport with a validity of at least six months and two blank pages.

• Flight tickets to and from Malaysia.

• Proof of sufficient funds - salary slips, bank statements, etc.

• Proof of accommodation

• Two clear passport-size photographs as per the mandatory specifications.

• Proof of Malaysia visa fee payment completion.

• A clear travel itinerary for your entire trip duration, including cities you plan to visit, activities you will participate in, and so on.

• You must provide proof of identification (PAN card, birth certificate, Aadhaar card, or Voter ID) for work and tourism purposes.

• Letter of invitation from a Malaysian employer (for business or work visas).

• Letter of employment (for a work visa).

• An official admission letter (for a student visa).

Tips to Avoid Malaysia Visa Rejections

• Ensure the information on the visa application form is correct.

• Submit the right supporting documents depending on the visa category and specifications.

• Check the passport validity.

• Ensure sufficient funds in your bank account to cover all expenses for your stay in Malaysia.

• Maintain complete transparency on your visa application form and documents.

• Book your flight tickets and accommodation a few months before arriving in Malaysia.

• For visa-on-arrival, cross-check your eligibility to avoid rejections.

Also Read -Visa Rejections: Common Reasons and How to Avoid Them

Best Time to Visit Malaysia

Money-Saving Malaysia Trip Tips

• Choose alternative accommodation options such as guesthouses, Airbnb, service apartments, and hostels to save money.

• To move around Malaysia, explore public transport like buses, trains, or car rentals to save money. You can also choose Gojek or Grab for ride-sharing and motorbike rentals to enjoy Malaysian views at your own pace.

• Avoid eating at high-end restaurants and tourist spots. Instead, explore local markets and street food vendors to indulge in authentic Malaysian food without hefty out-of-pocket expenses.

• Keep your travel dates flexible to benefit from discounts and flight booking deals. Moreover, avoid travelling during peak season, when accommodation and flight prices are the highest.

• Research and book free walking tours and tourist attractions to explore Malaysia's culture and history without additional expense.

• Invest in Malaysia travel insurance to avoid unexpected expenses in times of need. This includes medical emergencies, personal accidents, and passport losses.

Year-Round Travel Checklist Malaysia

• Important Documents - Keep clear copies of all your important personal documents, such as travel insurance for your Malaysia trip, passport, visa, ID card, etc., to avoid unexpected hassle in case you lose them.

• Malaysia Travel Essentials for Clothes - Rain is more common in the shoulder and low seasons. However, to stay protected in chilly weather or rain, it is recommended that you always carry a light jacket and a waterproof jacket in your Malaysia packing list.

• Sunscreen - Regardless of the weather, you must apply sunscreen every time you step out to avoid sun damage.

• Reusable Bottle - To save money and stay hydrated, pack or buy a reusable water bottle for your trip to Malaysia.

• Walking Shoes - There is a lot to explore in Malaysia through guided and self-paced walking tours. Thus, to ensure maximum comfort while exploring, carry a pair of comfortable walking shoes.

• International Adapter - Malaysia uses Type G plugs, so buy a universal adapter to charge your electronics.

• Basic First-Aid - Carry all the prescribed medications and a basic first-aid kit for emergencies.

Also Read -Tips For First-Time Overseas Travellers

Malaysia Safety and Precautions

• Malaysia has a low crime rate compared to other South Asian countries. However, you must still be careful of petty crime, such as theft or vandalism, especially in isolated areas.

• Save and memorise the emergency number 999 for Malaysia. This includes services like ambulance, police, and fire brigade.

• Avoid travelling alone late in the night to reduce the risk of snatching or other similar behaviours.

• Guard your drinks and food, especially in crowded spaces.

• Avoid carrying too much currency in cash to reduce the risk of theft.

• Research and follow the local laws and customs of Malaysia to avoid fines.

• Do not engage in public displays of affection, especially in crowded spaces and religious sites.

Also Read - How to Stay Connected While Travelling Abroad

Popular Destinations in Malaysia

1. Penang

2. Ipoh

3. Langkawi

4. Kuala Lumpur

5. Sipadan Island

6. Borneo Rainforest

7. Tioman Island

8. Melaka

9. Kota Kinabalu

10. Redang Island

11. Cameron Highlands

12. Malacca

13. George Town

14. Kuching

Best Things to Do in Malaysia

• Visit the Petronas Tower - One of the most popular Malaysia tourist attractions is the Petronas Tower. As the tallest twin tower in the world, you must visit this tourist spot and book the sky bridge or go to the 41st or 86th floors to witness stunning views of the city.

• Book a Helicopter Ride - You can also book a helicopter ride above Kuala Lumpur to capture breathtaking views of the city from a height of approximately 1500 feet above sea level.

• Explore Genting Skyway - Take a 10-20-minute ride on the Genting Skywalk, which passes through lush valleys and greenery before reaching the Genting Resort World.

• Book a Boat Safari - At the Kilim Karst Geoforest Park, you can book a mangrove boat safari that allows you to enjoy kayaking through scenic landscapes, unique water animals, and forests before reaching any of the floating restaurants.

• Cave Adventures - Some of the most popular sightseeing places in Malaysia are the caves. From Batu and Tong Cave Temple to Gua Tempurung Cave and Gua Kelam, you will have ample opportunities to explore the beauty of these caves from within and capture pictures in beautiful backdrops.

• Indulge in Malaysian Cuisine - Explore mouthwatering Malaysian dishes such as Satay, hookien mee, Roti Canai and Dosai, Laksa, Rendang, and char koay teow to enjoy fresh flavours packed with seafood and vegetables.

Frequently Asked Questions On Malaysia Travel Insurance

What is the cashless facility with Reliance Malaysia travel insurance?

The cashless facility available with Reliance Malaysia travel insurance allows you to benefit from a worldwide benefit of cashless claims without any hassle.

With a cashless claim, you do not have to pay for any expenses upfront. Instead, once your claim is approved, we settle the bills on your behalf based on your policy terms and conditions.

Is it possible to extend my Malaysia travel insurance?

Yes, you can easily extend your Malaysia travel insurance if you plan to increase the duration of your trip. All you need to do is submit a Good Health Declaration Form and Extension Form at the nearest Reliance General Insurance branch.

What is the extent of medical coverage available with a travel insurance plan for Malaysia?

Most travel insurance plans offer comprehensive medical coverage. This includes coverage for hospitalisation, inpatient treatments, medical evacuation, dental emergencies due to accidental injury, and repatriation of mortal remains back to India.

Disclaimer: *T&C apply. Details mentioned here are for Reliance Travel Care Policy, UIN: RELTIOP08002V010708. Sum Insured: The mentioned Sum insured amount is applicable only under Reliance Travel Care Policy– Platinum Plan. Total loss of checked baggage: The maximum amount payable per checked-in baggage in case more than one bag has been checked in, is 50% (100% for only one checked-in baggage) of the applicable Sum Insured and per item in baggage max 10%.