
General Insurance
Sign up to general insurance online with GoInsure Personal Accident, Motor and Travel insurance. GoPayz offers affordable insurance with less paperwork.
We have updated the terms of our GoPayz Service Agreement. The update will take effect on 17 March 2023.
We have updated the terms of our GoPayz Service Agreement. The update will take effect on 17 March 2023.
GoInsure Travel is offered and underwritten by Chubb Insurance Malaysia Berhad Registration No. 197001000564 (9827A)("Chubb"), an insurer licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia and is promoted by U Mobile Services Sdn Bhd Registration No. 200401034375 (672884-H)("U Mobile Services") to its customers.
Please refer to GoPayz application for more details.
GoInsure Travel is an insurance product that covers medical expenses, trip cancellation, lost luggage, flight delays and other losses incurred while travelling, either internationally or domestically.
Kindly refer to the product disclosure sheet for further details.
i. GoInsure Travel is made available to GoPayz customers and GoPayz customers' spouse and children only based on the eligibility criteria listed below:
Classification |
Eligibility Criteria |
---|---|
Insured Person | valid employment pass holder, valid dependent pass holder, valid long-term social visit pass holder or valid student pass holder; and |
Spouse of the Insured Person | valid employment pass holder, valid dependent pass holder, valid long-term social visit pass holder or valid student pass holder; and |
Children of the Insured | or valid student pass holder; and period as indicated in the ecertificate; or on the commencement date of insured period as indicated in the ecertificate; and |
Please refer to the policy wording for more details.
There are 2 types of GoInsure Travel plan available for GoPayz customers as follows:
i. single trip plan; and
ii. annual trip plan.
The insured period for the GoInsure Travel is the travel period indicated by you and as stated in the Certificate of Insurance.
For example during a return trip, if you are travelling to multiple countries from 14 January 2019 until 10 February 2019, your insured period is from 14 January 2019 to 10 February 2019.
No. You must purchase GoInsure Travel before you start your journey.
Yes, both of you must purchase 1 GoInsure Travel policy each, through your respective Gopayz accounts.
Yes, you can, by purchasing the single trip plan under GoInsure Travel.
The GoInsure Travel for a single trip provides coverage during the insured period or when you arrive at the airport in country x.
You can purchase GoInsure Travel via GoPayz by selecting the travel insurance tab and following the instructions provided.
Yes, you may purchase GoInsure Travel for your spouse or child(ren) only, if he/she meets the eligibility requirement for GoInsure Travel (See question number 1 of this FAQ under Types of Plan and Eligibility) subject to the terms and conditions imposed for the purchase of GoInsure Travel.
Once you have successfully paid for GoInsure Travel, you will receive the GoInsure Travel e-certificate and policy wording describing the benefits and your coverage via e-mail from Chubb within 3 working days from the date of your payment.
You can choose to pay for the GoInsure Travel premium via your GoPayz account, debit card or credit card
No, however, please note that there are exclusions such as pre-existing medical conditions, which may not be covered under the medical expenses benefit of your GoInsure Travel policy.
Please refer to the policy wording for full details
Any medical condition, which you have reasonable knowledge of, which you suffer from, 12 months prior to the commencement date of the insured period.
Please refer to policy wording for full details.
No, this option is not available for GoInsure Travel.
No, the GoInsure Travel policy does not cover any pregnancy-related issues other than accidental miscarriage due to bodily injury as a result of an accident during the insured period.
Yes, it is covered if it occurs as a result of an accident during the insured period. However, this does not include costs of dentures.
No, the amount of baggage cover cannot be increased.
No, GoInsure Travel does not cover any equipment on hire or lease.
Gifts and articles purchased during the journey may be covered subject to terms and conditions of the GoInsure Travel policy.
Please refer to Section 14 of the policy wording; "Loss or Damage of Personal Property and Baggage" - Property not Covered" in the policy wording.
GoInsure Travel provides coverage for the benefit amount specified in the Benefit Schedule under Section 18 of the policy wording; "Baggage Delay" for every full 6 consecutive hours of delay, up to the maximum amount specified in the Benefit Schedule under the same benefit, regardless whether it involves 1 or more baggage.
The GoInsure Travel policy provides baggage lost coverage of up to the maximum limit specified under Section 14 of the policy wording; Loss/Damage of Personal Property & Baggage.
No, it would not be covered as unaccompanied baggage is not covered under the GoInsure Travel policy.
No, confiscated items by any governmental authority is not covered.
The limit of cover varies depending on the type of GoInsure Travel policy purchased.
For details, kindly refer to the Summary of Benefits
No, sporting equipment are not covered except for golf equipment, if the GoInsure Travel policy you purchased has the Gold equipment benefit.
Please refer to Section 27B – Loss of Golf Equipment Due to Theft under the policy wording for full details.
You may refer to the definition of "Extreme Sports and Sporting Activities" under Section 1 of the policy wording which lists out the type of extreme sports and sporting activities that are not covered.
No, this is not covered under the GoInsure Travel policy coverage.
No, the policy excludes trip cancellation claims caused by business, financial and contractual obligations.
Yes, you can make a claim if the natural disaster occurs 14 days before your scheduled departure date as indicated in your e-certificate.
You must provide the travel advice from the relevant authority as evidence to substantiate your claim.
You will be covered if you are forced to cancel or postpone your travel plan as the direct and necessary result of any of the following specified causes:
Type of Specified Cause |
Overseas Journey |
Domestic Journey |
---|---|---|
Timeline of specified cause occurrence covered | ||
(i) Your Death |
This event may occur any time before the scheduled departure date |
This event must occur within 7 days before the scheduled departure date. |
(ii)You sustaining bodily Injury or suffering from a sickness, which in the opinion of a physician causes you to be unfit to travel on a scheduled departure date |
This event must occur within 60 days before the scheduled departure date. |
|
(iii) The death of your family member of travel companion before the scheduled departure date |
This event must occur within 30 days before the scheduled departure date. | |
(iv) Bodily injury or sickness of your family member or travel companion necessitating him/her to be confined to a hospital |
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(v) You or your travel companion are or required to be in compulsory quarantine, are subpoenaed or kidnapped, cancellation of scheduled common carrier services consequent upon strike, riot or civil commotion which is beyond your control at the planned destination. |
This event must occur within 14 days before the scheduled departure date and must be accompanied with travel advice, requisite proof or report from the relevant authority(s). |
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(vi) Your residence in Malaysia becoming uninhabitable following fire, storm, or flood occurring such that your presence is required on the premises on the scheduled departure date, or due to natural disasters at the destination country which prevent you from commencing the journey. |
Please refer to the Section 11 – Travel Cancellation of the policy wording –for more details.
You may download the nomination form from www.chubb.com/my-goinsure.
The nomination form has to be filled up accordingly, signed by you and witnessed by a person of sound mind, who has attained the aged of 18 years of age and who is not the named nominee. If this is not done, the nomination form is not valid and Chubb cannot pay out policy moneys in reliance of an invalid nomination form.
The signed and witnessed nomination form can then be faxed or emailed to Chubb.
No, it is not compulsory for you to nominate a beneficiary under the GoInsure Travel. However, if you wish to nominate a beneficiary, you may do so by filling up the nomination form and submit the duly completed form via email to Chubb at goinsure.MY@chubb.com.
However, as provided under Schedule 10 of the Financial Service Act 2013, you may nominate a natural person to receive policy moneys payable upon your death
You can nominate anyone but should you choose to nominate someone other than your child, spouse or parent, Schedule 10 of the Financial Service Act 2013 provides that the person can only receive the policy moneys as executor (not as beneficiary). If you wish for that person to receive the moneys as beneficiary, then you will have to assign the policy benefits to that person.
If you do not nominate, the policy moneys will be paid to the rightful beneficiary of your estate in accordance with the law
Chubb shall remit the benefits amount directly to the insured except for death benefit, where the benefits amount will be payable to the insured's nominee or if there is no such nominee, to nominee or the rightful beneficiary that Chubb is required to pay under the law.
If you are entitled to a refund or reimbursement of all or part of such expenses from any other sources, or if there is in place any other insurance against the events covered under the GoInsure Travel policy, Chubb will only be liable for the excess of the amount recoverable from such other source of insurance.
As an illustration, if you have submitted a claim of total sum of RM 800 for damage of baggage to Insurance Company A which has exceed the claim limit of RM500. Chubb shall cover the excess of amount with the balance of RM300 only
You may cancel your GoInsure Travel policy in the following manner:
Type of GoInsure Travel |
Cancellation Method | |
---|---|---|
Single Trip Plan | ||
Annual Plan | ||
Month during which coverage is cancelled |
% of total premium paid to be refunded | |
Within 2 months from the GoInsure Travel annual policy effective date. |
60% | |
Within 3 months from the GoInsure Travel annual policy effective date |
50% | |
Within 4 months from the GoInsure Travel annual policy effective date. |
40% | |
Within 5 months from GoInsure Travel annual policy effective date. |
30% | |
Within 6 months from GoInsure Travel annual policy effective date. |
25% | |
Over 6 months from GoInsure Travel annual policy effective date. |
No refund | |
It is important that you inform Chubb any changes in your contact details to ensure that all the correspondence reach you on a timely manner.
If there are any changes to your contact details, you may notify Chubb by downloading the Personal Data Correction Request Form from www.chubb.com/my-goinsure and email the duly completed form to Chubb at goinsure.MY@chubb.com
i. Claim for accidental death/ permanent disablement benefits
Your GoInsure Travel will be immediately terminated upon Chubb's payment of the benefits due under the accidental death or permanent disablement benefits.
ii. Claim for other benefits
a. The GoInsure Travel will not be terminated upon Chubb's payment of other benefits due; and
b. the claim made must be based on a reimbursement basis per accident and must not exceed the sum insured. However, please note that Chubb will only pay for 1 benefit per claim as provided under the policy wording.
Please refer to Policy Wording for full details.
If your claim is payable under the GoInsure Travel, Chubb will remit the benefits payment within 14 working days from the day the claim is approved, subject to receipt of full and complete documentation.
You must submit all claims directly to Chubb by downloading the claim form from www.chubb.com/my-goinsure and emailing the duly completed form together with complete documentation to Chubb at A&HClaimsconnect@chubb.com
You can view the transaction history of the GoInsure Travel purchased and payment details for the past 3 months via your GoPayz account under the "Transaction" tab.
You may contact Chubb's customer careline at 03-20583198 or via email at goinsure.MY@chubb.com
i. Yes. The GoInsure Travel coverage will not be automatically terminated upon termination of your GoPayz account.
ii. Upon termination of your GoPayz account, you will be entitled to receive coverage until the expiry of the insured period of the GoInsure Travel.
iii. As an illustration, if your GoInsure Travel annual plan is effective on 1 December 2019 and your GoPayz Account is terminated on 5 December 2019, your GoInsure Travel will be continued until 31 December 2020 (i.e. The expiry date of the GoInsure Travel coverage).
You can submit your claim after your GoInsure Travel is cancelled for any accident that occurred during the insured period subject to your claim limit.
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