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Overview

Complete protection for students studying overseas, with special features that make it one of the leading student travel products in Malaysia.

Student Assist is an insurance plan that protects and gives you peace of mind to pursue your educational aspirations when you go overseas to study at a recognized education institution.

Our most popular features include

Medical & Personal Accident Cover
when studying overseas and in home country

Tuition Fee Reimbursements for Study Interruptions

Medical Evacuation & Repatriation Service

24Hours, 7 Days Worldwide Travel Assistance

Benefits

Tuition Fee reimbursement for study interruption

We'll reimburse you for the non-refundable portion of your tuition fees paid in advance, in the event of study interruption due for specific reasons.

Medical & personal accident cover

You'll be reimbursed for medical expenses incurred due to accidental injury or illness sustained when studying overseas.

Sponsor Protection

We provide you financial security in the event of accidental death of your sponsor (the individual who sponsors your study overseas).

Our own global assistance service

A fast and efficient 24-hour Emergency Assistance Team is available to assist you in the event of injury following an accident or if you are ill and require hospital attention abroad.

* Coverage differ according to product & plan.

24-Hour Emergency Travel Assistance

To contact Travel Guard from anywhere in the world, call:

+60 3 2772 5600

Note : Reverse charges calls can be made from some countries.

Downloads & Claims

FAQ

This policy provides compensation for students studying overseas in the event of injuries, disability or death caused solely by violent, accidental, external and visible events, emergency evacuation and repatriation, travel inconvenience benefits, study interruption due to unforeseen circumstances arise such as death of parent or guardian who is financing your study.

You will have immediate access to 24-hour worldwide assistance in case of an emergency situation when you are abroad.

This cover can be purchased by a student who will be studying overseas at a registered and accredited educational institution for higher learning.

Please refer to the schedule of benefits in the brochure.

Duration of cover ranges from 6 months, 1 year 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 Guard, 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 departure from Malaysia and expires on the earliest:
(i) upon the expiry of the period of insurance; or
(ii) 12 hours from time of arrival in Malaysia unless Malaysia is a point of transit
subject to a maximum period of 6 months from the date studies are
completed; or
(iii) the date when an emergency medical evacuation or repatriation of mortal remains is made 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 motorized 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, Sudan, 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.

(a) You may cancel your policy by giving us 30 days written notice by the way of A.R. registered mail.
(b) We can cancel this policy with effect from the 1st day of the calendar month. Your cover will continue for the duration that the premium has been paid for.
(c) You will be entitled to a refund of the premium on a pro-rata basis for the unexpired period of coverage.

It is important that you inform us of any change in your life profile including your occupation which would affect the risk profile.

At your convenience, you can now do the following updates online here:
1. Mailing Address
2. Email Address
3. Contact Number

Should you require additional information about this policy, please refer to the insuranceinfo booklet on “Personal Accident Insurance”, available at all our branches or you can obtain a copy from the insurance agent or you may obtain a copy from the insurance agent

If you have any enquiries, please contact us at :
AIG Malaysia Insurance Berhad
Menara Worldwide,
No. 198, Jalan Bukit Bintang
55100 Kuala Lumpur.
Tel : 1 800 8888 11
E-mail : AIGMYCare@aig.com