MHInsure (Malaysia Airlines travel insurance) Review - A guide on price, coverage, eligibility, and how to make claims

Getting travel insurance before you head off on a trip is a sensible move, covering you for accidents or medical problems, emergencies or loss of personal items. But which to choose?

MHInsure¹ travel protection offers both comprehensive and basic travel protection from Malaysia Airlines in partnership with Cover-More and Etiqa General Insurance Berhad. This guide to MHInsure walks through the cover offered, how to make a claim, pricing and more. We’ll also introduce another great travel option: Wise, for easy ways to spend and withdraw internationally with low fees and the mid-market rate².

Table of contents
What is the MHInsure Travel Insurance? Types of MHInsure insurance packages available MHInsure travel insurance coverage How to make an MHInsure Travel Insurance claim Safeguard yourself against high currency conversion fees with Wise

What is MHInsure Travel Insurance Malaysia?

MHInsure is Malaysia Airlines travel insurance which is provided by the airline in partnership with Cover-More and Etiqa General Insurance Berhad. Malaysian customers can also use MHInsure to access insurance and takaful products covering home and motor insurance.

MHInsure offers various packages for domestic and international travel, including single trip cover and annual plans. We’ll look at the types of cover available in a moment.

MHInsure Travel Insurance eligibility

To buy travel insurance you’ll need to meet certain eligibility requirements. However, as these requirements may vary depending on the plan you select, you’ll need to get in touch with MHInsurance directly to check the guidelines for the package you pick. Common requirements are set around the age of people who can be insured, the duration of your trips and the number of family members who can be added to a family plan, for example.

Types of MHInsure insurance packages available

MHInsure offers travel insurance on a single trip or annual plan basis. Cover is offered either for domestic travel, or on an international basis for any destination including US and Canada. If you’re on an annual plan, no single trip can be for longer than 90 days in duration³.

As well as insurance products MHInsure offers travel takaful options⁴ which it states are Shariah compliant and come with the same benefits as the insurance, but with additional cover for Islamic pilgrimage.

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MHInsure insurance plans

MHInsure travel insurance covers 42 different types of claim in total. These claim types can be split into travel emergency or medical cover, and travel inconvenience cover. Packages are available for domestic travel only, or for worldwide international cover. Here’s a brief outline of what’s covered - bear in mind that this guide can not cover all the limits, terms and conditions of the cover, so you’ll need to read through your policy documents carefully before you sign up.

MHInsure travel insurance medical coverage

There may be other claim limits which apply to policies, aside from those which we have highlighted. Additionally, other types of claim may be supported. Get all the details you need online, or by contacting MHInsure directly.

	Domestic	International
Personal accident - death or disablement	6,250 MYR - 150,000 MYR depending on individual covered	12,500 MYR - 300,000 MYR depending on individual covered
Accident and illness - overall limit	To a maximum of 35,000 MYR	250,000 MYR - 1 million MYR depending on individual covered
Emergency evacuation	To a maximum of 250,000 MYR	Unlimited

Depending on the plan you pick you may also find other expenses are covered, including some Covid related costs.

MHInsure travel-related coverage

The travel inconvenience cover offered by MHInsure is pretty comprehensive. To give a flavour we’ve rounded up some key cover items - you can learn more within the policy documents.

	Domestic	International
Lost luggage	Maximum claim 3,000 MYR	Maximum claim 7,500 MYR
Luggage delay	Maximum claim 750 MYR	Maximum claim 1,500 MYR
Loss of personal money	Not covered	Maximum claim 800 MYR
Travel cancellation or curtailment	Up to trip value	Up to trip value
Personal liability	1 million MYR	1.5 million MYR

Other categories of cover, which can vary based on the plan you pick can include:

• Travel delay, rerouting or overbooking
• Missed connection
• Lost travel documents
• Hijacking
• Home protection and pet care

MHInsure Travel Insurance price

The price of travel insurance with MHInsure depends on the policy you pick, the duration of your cover and how many people need to be insured. All insurance quotes are individually prepared, so you’ll need to get in touch with MHInsure directly to check what the costs will be in your case. We’ve got the contact details you need coming up in just a moment.

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Making an MHInsure Travel Insurance claim

If you have issues when you’re away the first step is to call MHInsure’s 24-Hour Emergency Assistance on +603 7965 3289. Depending on your individual plan details, the team will be able to advise you of what to do to ensure you can make a claim and access any immediate support you need.

What you need to do to make a claim can vary depending on the type of claim involved. For example, if your luggage is lost or stolen, you’d need documents and information like a detailed breakdown of the contents of your lost case, a report from the airline, or a police report if theft was suspected. If you’re submitting a medical claim, you’ll need documents like a medical certificate or report from the doctor you’ve visited, and invoices and receipts for the bills you paid.

Because every case is different, calling the MHInsure emergency helpline can be an easy way to make sure you get all the paperwork needed to support your claim in a timely manner.

MHInsure contact details

You can call MHInsure in Malaysia on +60 16-299 6387 for general queries or to get a quote for your specific cover.

If you have questions regarding a live claim, you can also call the number above or email on the following address:

claim@etiqa.my.claim.ancileo.com

Safeguard yourself against high foreign transaction and currency conversion fees with Wise

Getting travel insurance before you head off is a smart move. While you’re planning your trip, why not also check out the Wise card to save money on your overseas travel spending.

There’s no fee to open a Wise account online or in app - and once your account is verified you can order your card for a low one time charge of 13.7 MYR. Wise accounts hold 40+ currencies and you can spend with your card in 150+ countries, offering impressive coverage no matter where you’re heading.

Add money to your digital account in ringgit and spend globally with the mid-market rate and low, transparent fees. Use your card in ATMs to get cash when you need it, including up to two free overseas ATM withdrawals every month. Easy, flexible and cheap for spending and withdrawals all over the world.

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Sources:

1. MHInsure
2. Pricing/fees: Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information
3. MHInsure summary of benefits
4. MHInsure travel takaful