You will receive 30% of the sum insured upon diagnosis of a covered Critical Illness. In the event a claim for Early Stage is paid, it shall reduce the sum insured of the Critical Stage accordingly.
If one of the following minor cancer condition is met:
The complete surgical removal of one kidney necessitated by any illness or accident. The need for the surgical removal of the kidney must be certified to be medically necessary by a nephrologist.
Kidney transplant is excluded.
You will receive up to 100% of the sum insured upon diagnosis of a covered Critical Illness provided no Early Stage claim has been made.
Any malignant tumour positively diagnosed with histological confirmation and characterized by the uncontrolled growth of malignant cells and invasion of tissue. The term malignant tumour includes leukemia, lymphoma and sarcoma.
For the above definition, the following are not covered:
Cerebrovascular accident or incident producing neurological sequelae of a permanent nature, having lasted not less than three (3) months. Infarction of brain tissue due to inadequate blood supply, bleeding within the skull or embolization from an extra cranial source resulting in permanent neurological deficit with persisting clinical symptoms. The diagnosis must be based on changes seen in a CT scan or MRI and certified by a neurologist. A minimum assessment period of three (3) months applies.
For the above definition, the following are not covered:
Death of a portion of the heart muscle (myocardium), due to inadequate blood supply that has resulted in all of the following evidence of acute myocardial infarction:
A history of typical prolonged chest pain;
The evidence must show the occurrence of a definite acute myocardial infarction which should be confirmed by a cardiologist or Physician.
For the above definition, the following are not covered:
End-stage kidney failure presenting as chronic irreversible failure of both kidneys to function, as a result of which regularrenal dialysis is initiated or kidney/renal transplantation is carried out.
Travel with confidence knowing you are protected from illnesses, flight delays, lost luggages and more!
*Policy terms and conditions apply
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Treatment for illness or injury while traveling overseas, as well as emergencies. We even have your back if you’re down with COVID-19!
Get reimbursed for any travel delays or flight cancellations. We even cover for any loss of travel documents.
Coverage for stolen, lost, or damaged personal items like luggage, laptops, money, accessories, cameras, mobile phones and more.
Whether for business or leisure, we understand that your trip is precious to you. Don't let the unexpected get in the way of your trip.
We are here for you when it matters the most
If you experience sudden illness or injury in-trip, including COVID-19. We can cover prescription drugs.
If you experience sudden illness or injury in-trip, including COVID-19. We can cover prescription drugs.
If you experience sudden illness or injury in-trip, including COVID-19. We can cover prescription drugs.
If you experience sudden illness or injury in-trip, including COVID-19. We can cover prescription drugs.
If you experience sudden illness or injury in-trip, including COVID-19. We can cover prescription drugs.
Medical expenses covered in case of accidental injury or illness while traveling.
Protection for accidental death, loss of sight or limbs, and permanent disability.
Coverage for COVID-19 medical expenses overseas, including follow-up treatment in Malaysia.
Protection for lost or damaged luggage and personal items.
Compensation for every six consecutive hours of delay.
Protection for legal liability to third parties while traveling.
Coverage for trip cancellations due to unforeseen circumstances such as death, illness (Including Covid-19), or natural disasters.
If you experience sudden illness or injury in-trip, including COVID-19. We can cover prescription drugs.
Protection for costs associated with lost or stolen passport or air tickets.
Medical expenses covered in case of accidental injury or illness while traveling.
Protection for accidental death, loss of sight or limbs, and permanent disability.
Coverage for COVID-19 medical expenses overseas, including follow-up treatment in Malaysia.
Protection for lost or damaged luggage and personal items.
Compensation for every six consecutive hours of delay.
Protection for legal liability to third parties while traveling.
Coverage for trip cancellations due to unforeseen circumstances such as death, illness (Including Covid-19), or natural disasters.
If you experience sudden illness or injury in-trip, including COVID-19. We can cover prescription drugs.
Protection for costs associated with lost or stolen passport or air tickets.
Medical expenses covered in case of accidental injury or illness while traveling.
Protection for accidental death, loss of sight or limbs, and permanent disability.
Coverage for COVID-19 medical expenses overseas, including follow-up treatment in Malaysia.
Protection for lost or damaged luggage and personal items.
Compensation for every six consecutive hours of delay.
Protection for legal liability to third parties while traveling.
Coverage for trip cancellations due to unforeseen circumstances such as death, illness (Including Covid-19), or natural disasters.
If you experience sudden illness or injury in-trip, including COVID-19. We can cover prescription drugs.
Protection for costs associated with lost or stolen passport or air tickets.
*Policy terms and conditions apply
Still not sure how it works? Read through our frequently asked questions!
All Malaysians, Permanent Residents, Non Residents, Work Permit/Employment Pass Holders or otherwise legally employed persons in Malaysia are eligible to apply.
No, the policy excludes pre-existing conditions, i.e., any illness or injury that the Insured had contracted, was diagnosed or treated for during the 12 months prior to the journey and whether or not treatment, medication or advice was sought or received prior to the commencement of the journey.
A claim under Section 7 will be payable if your trip is cancelled due to serious injury or illnesswhich requires hospitalisation or compulsory quarantine, and if you are unfit to travel ascertified by a Medical Practitioner. For this section to be payable, the insurance must be purchased no later than 7 days before the commencement date of your journey.
You may cancel this policy before the commencement of your journey by giving us seven days’ written notice. You are entitled to a refund of the premium paid for this policy by emailing us at travel@oyen.my.
• You have been fully vaccinated with the full regimen of COVID-19 vaccine recognized by the Ministry of Health, Malaysia.
• You shall only travel to a destination provided the public authorities of Malaysia have not issued warning against such travel prior to departure.
• You shall only travel to a destination where the local public authorities will accept your entry and stay.
• You shall comply with official health guidelines issued by public authorities at the travel destination that aim to minimise the risk of contracting COVID-19.
Drop us an email at travel@oyen.my and we will send you the checklist and link to submit any documents for you.
Please call our worldwide assist 24/7 number at +603-7965 3930. You may get assistance for Pre-travel Advice on visa and vaccination requirements, Medical Assistance in an emergency or if an evacuation or repatriation is required, Travel Assistance pertaining to lost luggage, passports, money and credit cards.
Your trip is important to you, whether for business or leisure. Protect it from the unexpected with Oyen!