Nightime Blue Mosque, Istanbul |
Lama sungguh tak jenguk sini. Haaa dah bersawang tinggi bangunan 30 tingkat dah ni. Amek cuti jaga anak 2 bulan, ingat sempatla kan nak mengupdate tapi nan hado!!!
Apa-apa pun, aku nak ucapkan Selamat Tahun Baru kepada sesiapa yang masih membaca blog sendu ini. Kesian blog ni, terabai sungguh dia. Ini semua penangan Daneen Adeena. Tp takda la sampai tak update "setahun yang lalu" kan macam orang tu. Krik krikkkk ;)
Hari ni aku nak share sikit pasal pentingnya korang ambil insuran perjalanan / travel insurance. Sebelum ni kalau travel, memang aku beli. Bukannya mahal pun. Boleh beli yang individu, yang keluarga pun ada juga. Harga berbeza ikut destinasi dan tempoh travel kita tu.
Sepatutnya 7 Oktober 2015, aku, suami dan anak akan berangkat ke London, planning pi EU ni baik punya. Setahun punya planning sebab kami beli tiket awal tahun tu. Macam-macam dah berangan wei. Nak buat roadtrip Alps bagai. Dan sebulan sebelum travel, kami beli travel insurance pakej family dari AXAInsurance yang cover UK-France-Ned-Germany-Austria-Swiss-Italy utk tempoh 15hari dengan harga rm210.
Nak dijadikan cerita, pada tanggal 7 Oktober tu laa, dengan kehendak Allah SWT anak aku kena admit hospital. Warding for 7days. Masa tu musim jerebu yang teruk. So secara automatiknya, trip EU aku tu terpaksa dicancelkan terus. Haaa sedih gila kan?? Dah la semua dah dibayar. Bukannya pakai travel agent. Semua sendiri. Kami memang redha ketika itu. Kesian dekat kawan kami yg lain-lain yg nak follow kitorang. Kenkonon nak berenam. last2 berempat je depa. Terpaksa diorang proceed tanpa kami. Dalam hati kami, takpa la itu bukan rezeki kami lagi. Nak sedapkan hati lagi, dalam hati terpikir kita kan ada ambil insurance. Mungkin boleh kot claim tiket flight ke apa ke kan. Tak dapat banyak, sikit pun jadilah.
Di antara loss yang mungkin kami tanggung ketika itu adalah:
1. Tiket flight KUL-LON, MIL-KUL
2. Tiket flight Amsterdam-Munich
3. Tiket train Munich-Innsbruck
4. Tiket train Paris - Amsterdam
5. Sewa kereta Inssbruck-Interlaken-Milan
6. Hotel & Airb&b: London, Paris, Amsterdam, Munich, Inssbruck, Bern, Milan
Untuk tiket Flight KL-London and Milan-KL kami beli dari Qatar Airlines masa sales. Sebab tiket sales, Qatar refunds hanya airport tax sahaja. Naya tak? Connecting flight tix dan juga train tak dapat refund dari company2 yg kami beli secara online tu. Sewa kereta dan segala jenis accommodation pun kami tak boleh refund sebab tak cancel since kawan2 kami yang lain proceed dan guna kereta dan apartment2 yang kami dah sewa dan bayar "tong-tong" tu.
Selepas berjaya tenangkan hati yang sedih dari rasa kerugian terlampau, kami call AXA dan tanya macammana nak buat claim dan banyak mana boleh kami claim. Untuk insurance yang kami beli, kami entitled untuk claim max rm60,000 jika terpaksa cancel trip di atas sebab-sebab jika berlaku kematian, sakit yang serius bla-bla bla. Ok baca detail dia disini:
SECTION 11 - LOSS OF DEPOSIT OR CANCELLATION
1.CancellationWe will reimburse You up to the limit stated in the Schedule of Benefits, for loss of irrecoverable deposits or charges paid in advance or contracted to be paid for Your Trip only in the event of necessary and unavoidable cancellation by You arising from causes beyond Your control occurring after this insurance has been effected which is as a result of:
(a)Your death, Serious Injury or Serious Illness or the death, Serious Injury or Serious Illness of Your Immediate Family Member. A death certificate must be obtained or written advice from the attending Physician treating You or Your Immediate Family Member confirming the advisability to cancel the Trip due to Serious Injury or Serious Illness.(b)Unexpected outbreak of strike, riot or civil commotion arising outof circumstances beyond Your control at the planned
(c)Witness summons, which were not made known to You prior to the taking up of this policy.(d)Serious damage to Your residence in Malaysia from fire, flood or similar natural disaster occurring within one week before the commencement date of the Trip and Your presence is required on the premises on the commencement date of the Trip.2.Deferments or Postponement If Your Trip is deferred or postponed, arising from causes beyond Your control occurring after this insurance has been effected which is as a result of the above causes stated in 11.1 (a to d), We will reimburse You up to the limit stated in the Schedule of Benefits, for additional charges levied in relation to any prepaid costs paid by You, due to amendment of the travel dates.
You can only claim under either Section 11.1 or 11.2 for any one event.
Selain itu kami tanya juga AXA selain tiket flight and train yang kami cancel, boleh ke kami claim accommodation and car rental yang tak cancel sebab kawan2 yang lain proceed. And to the surprise, depa kata boleh je, AXA akan refund amount bagi bahagian kami shj. Let say, satu rumah tu sewa dalam RM1000. Since kami berenam, depa akan refund 1/3 dari total: RM333.33.Exclusions applicable to Section 11
We will not pay for any loss if this insurance is purchased less than fourteen (14) days prior to the commencement of the scheduled Trip.
Cuma dari documentation segala bill, resit, resit online semua kena lengkap la. Sort cantik-cantik ikut sequent. Adalah lagi bagus, korang kasi skali bill credit card yang ada statement transaction berkaitan. Sebab apa? Kebanyakan bil, resit yang ada kebanyakannya pakai Euro, Pound. So masa process kira claim nanti, jika tiada statement credit card korang yang charge brapa sebenarnya RM, depa just pakai rate conversion Bank Negara Malaysia ikut tarikh resit/bill. Haaaa rugi tu sebab rate BNM rendah and rate bank komersil kita beza tinggi kan??? Jangan rugi di situ ya!
Medical report, Death Certificate, proof of relationship etc as the case may be. Copy of Medical Bills. Original receipts for payment of the tour.Tour operator’s booking and cancellation/refund invoices, terms &conditionsUntuk kes kami, selain dari segala mak nenek bill/resit/invoice, kami kasi skali bill hospital, surat doctor yang mengatakan memang anak kami tak boleh fly ketika itu.
Selesai documentation, kami submit terus pada AXA bersekali dengan cover letter. Make sure, korang buat salinan utk korang sekali yea. We never know, kot kot ofis AXA terbakar ke ape ke kan, sebab ada train tiket yg original kami attach sekali dan takkan dapat yg lain dah. huhuhuu. Untuk kes kami, cukup 2 minngu process, kami dapat REFUND 100% dari yang kami claim. AXA terus depositkan refund tu masuk dalam bank okeh. Tetiba tgk acc bank ade beribu lemon. kikikikii
Haaa amacam? puas hati kan? Agak2 berbaloi tak korang spend hanya RM210 tp dapat refund 100% dari jumlah claim yang korang submit. MESTILAH BERBALOIIIIIIIIII.
So moral of the story, kalau nak travel memana, SILALAH beli travel insurance yek. Based on pengalaman aku ni, berurusan dengan AXA memang mudah, cepat dan tak banyak songehhhh. SO aku 100% recommend la AXA Travel Insurance.
Nota: Entry ini bukan entry berbayar yea. Aku share sebab aku nak korang tau kita boleh dapat refund 100% dengan bayar insurance jika tetiba kita kena cancel trip travel yang diidam2 dengan penuh angan2 itiew. ;)
thanks for sharing .. dah few trips amik AXA insurance ... tak sangka boleh claim semua sekali ... kalau camnih, boleh stick to AXA terus la pasni
BalasPadamwah...artikel yang sangat bagus!
BalasPadamkami suka AXA Travel Insurance!! hahahaha
BalasPadamTerima kasih share knowledge ni. Saya baru 1st time belia AXA insurance. Sebelum ni AIG travel insurance. Tapi tak pernah buat claim lagi.
BalasPadamgunakan travel insurance karena kita tidak tau apa yang akan terjadi nanti saat bepergian
BalasPadamThanks for sharing. I am thinking which travel insurance company too buy... it seems AXA sound good.
BalasPadamTerima kasih atas perkongsian ini. Semoga kita dapat mengambil pelajaran penting. Ramai lagi diluar sana yang mengabaikan insuran atau takaful perjalanan.
BalasPadamMungkin disebabkan kurang pendedahan dan maklumat.
Terima kasih untuk sharing... sangat informative..!
BalasPadamTerima kasih sebab share.
BalasPadamTenang kan nak travel ada insurance
thanks sbb share..terus rasa nk amik axa travel insurance...:)
BalasPadamManfaat paling penting travel insurans ni adalah perbelanjaan perubatan di luar negara jika kita tiba2 jatuh sakit @ ditimpa kemalangan. Especially kalau pergi negara maju yg kita tahu kos perubatan mereka sangat mahal. Kebanyakkan travel insurans mmg ada manfaat perbelanjaan perubatan tetapi secara pay & claim. kalau yg mampu bayar dulu takde masalah, tapi lagi bagus kalau ada travel insurans yg boleh sediakan direct billings atau cashless admission dgn pihak hospital diluar negara.
BalasPadamTravel insurans AXA sy suggest utk travel domestik @ negara ASEAN manakala Travel Insurans AIG sy suggest untuk travel ke negara maju @ currency exchange yg mahal dr RM.
Boleh hubungi sy utk nak tahu lanjut tentang insurans AXA dan AIG.
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