Student Guard

Please refer to the schedule of benefits in the brochure.

Duration of cover ranges from 1 year, 2 years to 3 years selection.

You need to renew your annual insurance cover annually.

(a) Please refer to the premium table in the brochure.
(b) Premium is payable based on period of study
(c) Payment can be made cash, cheque or credit card

Commission is payable up to maximum of twenty five percent and stamp duty of ten malaysian ringgit per policy.

(a) Importance of disclosure:

- You must take reasonable care to ensure that all your answers to the questions are full, complete, correct and honest and to the best of your knowledge.
- You also have a duty to inform AIG Malaysia of any change in the information given to us earlier before we issue the policy schedule to you, before you renew or change any of the terms of your policy.
- If you don’t, your policy may be cancelled, or treated as if it never existed, or your claim rejected or not fully paid.

(b) Claims:

(i) All claims must be notified to us within 30 days from the date of loss.
(ii) All supporting documents proving the loss must be submitted 60 days from the date of loss.
(iii) No claim will be admissible if notified after one year from the date of loss.
(iv) All claims save for medical benefits, evacuation & repatriation benefits, personal liability benefits (hereinafter referred to as “Other Benefits”) will be paid to you. Claims in relation to Other Benefits will be paid directly to third parties, for example Travel Assistance Partner, hospitals or other services providers. In the event of death, claims will be paid to your nominee or estate.

(c) Number of policies:

You can only be covered under one policy in respect of this insurance.

(d) Age:

(i) You must be between the ages of 15 and 45.
(ii) In the event you are below the age of 18, your parent or guardian shall be the policyholder of this policy.
(iii) Your age will be based on the age as at your last birthday.

(e) Renewal:

You may renew your policy with the consent from AIG from term to term by payment of the premium in advance.

(f) Coverage:

Coverage shall commence 12 hours prior to the Insured Person’s departure from Malaysia and expires on the earliest :
(i) upon the expiry of the period of insurance; or
(ii) 12 hours from the time of arrival back to Malaysia unless Malaysia is a point of transit; or
(iii) the date of emergency medical evacuation or repatriation of mortal remains back to Malaysia. 

This policy does not cover death or injury caused by or to :

(a) Members of the armed forces, professional sportsmen, while carrying firearms provided that is required by the occupation and legal
(b) Engaging in manual works, offshore activities like diving and oil-rigging or mining or handling explosives.
(c) Suicide or intentional self inflicted injuries or an attempt to do so while being sane or insane.
(d) During air travel unless as a fare paying passenger in a licensed private or
commercial aircraft.
(e) Violation of law and any payment that would violate any government prohibition or regulation.
(f) Intoxication or drug related accident.
(g) Mental or nervous disorders.
(h) Medical or physical abnormalities existing at birth including neo natal physical abnormalities developing 6 months from birth, hernias and epilepsy unless caused by trauma.
(i) Condition where you have reasonable knowledge of in the 90 days prior to your policy effective date:
- had received or is receiving treatment; or
- medical advise, treatment care or diagnosis has been recommended; or
- symptoms are or were evident; or
- the condition is apparent.
(j) Acquired Immune Deficient Syndrome (AIDS), Human Immune Deficiency Virus (HIV).
(k) Driving or riding in a motorised vehicle in any type of race.
(l) Nuclear, chemical or biological materials
(m) War
(n) Cover or service for: -
- Any loss, injury, damage or legal liability arising directly or indirectly from planned or actual travel in, to or through Cuba, Iran, Syria, North Korea, or the Crimea region; and
- Any loss, injury, damage or legal liability suffered or sustained directly or indirectly by yourself if you are a terrorist, a member of a terrorist organisation, a narcotics or a purveyor of nuclear, chemical or biological weapons.
(o) The Insurer shall not be deemed to provide cover and the Insurer shall not be liable to pay any claim or provide any benefit hereunder to the extent that provision of such cover, payment of such claim or provision of such benefit would expose the Insurer, its parent company or its ultimate controlling entity to any sanction, prohibition, or restriction under United Nations resolutions or the trade or economic sanctions, laws, or regulations of the European Union or the United States of America

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

You can cancel this Policy by giving 30 Days’ prior written notice to the Company or via email at the address provided below, provided there is no claim made on the Policy. Such cancellation shall become effective on the date the notice is received or on the date specified in such notice, whichever is the earlier. Upon cancellation, you are entitled to a refund of premium based on the Short Period Scale. Please refer to the Policy for the Short Period Scale rates.

It is important that you inform us of any change in your life profile including your occupation which would affect the risk profile. Please reach out to us at AIGMYCare@aig.com or call our Toll Free: 1 800 88 8811  (operating hours : 9.00am to 5.00pm, Monday to Friday, excluding Public Holidays) to update the following required details.

1. Mailing Address
2. Email Address
3. Contact Number

Should you require additional information about this policy, please refer to your insurance agent or you may contact us at :

AIG Malaysia Insurance Berhad (200701037463)
P O Box 11768, 50756 Kuala Lumpur

Contact Information
Toll Free 1800-88-8811 (within Malaysia)
General Line 603-2118 0188
Fax 603-2118 0288
Email AIGMYCare@aig.com
Operation Hours
Monday to Friday, 9am to 5pm (except Public Holidays)