Travel Insurance for Malaysia from India

What is Travel Insurance for Malaysia?

Travel insurance for Malaysia is an affordable way to secure your trip. While Malaysia has not made travel insurance mandatory, some things are beyond anybody's control. You can easily fall sick due to changes in weather or eating food which does not suit you.

Malaysia offers quality medical facilities with highly skilled medical professionals. But these high medical costs may derail your budget. Your Malaysia travel health insurance can help you here a lot by covering expenses related to hospitalisation, treatment, doctor consultations and more.

Even if you face no health emergencies here, your plan will also cover travel-related issues like bounced hotel bookings, trip interruption, passport theft and personal liability.

Travel insurance for Malaysia lets you have peace of mind as you explore this exquisite country. In case there is a mishap, you know that you have your travel insurance policy to protect you and your pals during your trip.

Fast Facts Malaysia

The Key Benefits of Travel Insurance for Malaysia

While you're spending so much money to enjoy your trip to Malaysia, a little more towards your safety and financial security shouldn't be an option. Whether you lose your personal belongings or get hospitalised, a Malaysia travel insurance will help you get the right kind of assistance during an emergency. Some of the major benefits of Malaysia Travel insurance include:

• Comprehensive Coverage: Your Malaysia travel insurance policy would compensate for emergency medical expenses, stay-related and travel-related contingencies.
• Travel Assistance: Get help in Malaysia through dedicated customer service navigating through local healthcare, authorities, language barriers and more.
• Healthcare Expenses: Your medical insurance for Malaysia trip will provide medical coverage for emergency hospitalisation due to an injury or illness, including dental emergencies, surgeries, medical evacuation and repatriation of mortal remains.
• Flight and Baggage Security: Travel insurance India to Malaysia offers protection from unexpected travel emergencies like baggage loss, flight cancellation, theft of belongings, etc.

Travel Insurance for Malaysia Inclusions

• Medical Expenses: Travel medical insurance for Malaysia covers hospitalisation expenses, evacuation and repatriation expenses in case of an emergency.
• Personal Liability: If you somehow become liable to a third party while travelling abroad, then your India to Malaysia travel insurance will help you shoulder the costs.
• Flight Cancellations: In case your flight is cancelled due to covered reasons, this Malaysia travel insurance will compensate you for additional expenses.
• Flight Delay: You will be compensated by your Malaysia trip insurance for the inconvenience of your delayed flight if it is over a certain time limit.
• Home Burglary Insurance: In case of a burglary at your home back in India while you're on your trip, travel insurance for Malaysia trip will compensate you for the losses as per your policy term.
• Passport Loss: Your tourist insurance Malaysia will cover you for the costs incurred in getting a new or duplicate passport.
• Baggage Loss: If your airline misplaces or damages your luggage, then your Malaysia travel insurance policy will provide a fixed sum to reimburse you for those damages.

Travel Insurance for Malaysia Exclusions

• Medical Tourism: If you are travelling to get a medical treatment here, then you won't get any coverage benefits
• Nervous/Mental Disorders: Any medical expenses caused due to nervous or mental disorders will not be covered under this Malaysia trip insurance
• Pre-existing Diseases: Your Malaysia travel insurance will not cover any medical expenses due to pre-existing conditions. You may buy an add-on that covers PED if you need additional coverage.
• War or Terrorism: Losses incurred due to civil war, rebellion, military actions, chemical or biological weapons, and acts of terrorism are not covered.
• Losses due to Negligence: If you incur a loss due to your own negligence, it won't be covered by the insurer. For example, if you left your passport unattended and it was stolen, then you won't be covered for it.
• Illegal Acts: If a claim arises because you committed a breach of the law in the country you are visiting, your travel insurance for Malaysia trip will not cover it.
• Suicide/Self-inflicted Injury/Drug Use: Travel insurance from India to Malaysia will not cover any claim in case of intentional injury or damage you cause to yourself. It will also not cover any claim if you suffer a loss because of inebriation.

Visa Information for Malaysia from India

Malaysia offers a visa waiver to Indians for 30 days, so you don't need a lot of paperwork to come here. Indians can travel to Malaysia visa-free until December 31, 2026, as per the latest update by the Malaysian Government. Indians have a visa waiver for visiting Malaysia for tourism, business, transit and social purposes.

Indian travellers need to complete the MDAC or Malaysia Digital Arrival Card. If you wish to stay in Malaysia for over 30 days, you can opt for a Malaysian eVisa. The Malaysia eVisa fee is RM 105.

Malaysia Visa Procedure

Step 1: Visit the imigresen-online[.]imi[.]gov[.]my, the official website before arriving Malaysia

Step 2: Complete and submit the MDAC within 3 days before arriving in Malaysia

Step 3: After arriving in Malaysia, show your MDAC registration and verify your passport at the immigration counter

Step 4: Upon arrival, you will have to provide Confirmed return/onward flight tickets, Proof of sufficient funds and accommodation details.

Documents Required for Malaysia Travel

All foreigners visiting Malaysia need to fulfil the following document requirements for Malaysia:

Malaysia Entry Requirements from India

• MDAC or a valid visa for Malaysia
• Confirmed return tickets
• Valid Indian passport with a minimum of 2 empty pages and a minimum validity of 6 months
• Accommodation proof in Malaysia
• Recent passport-size photographs
• Minor applicants would need a birth certificate
• Proof of vaccination, wherever applicable

Travel Insurance Purchase

• Passport number of travellers
• ID proof (PAN/Aadhar etc.) for KYC for the proposal form*

*You must also have your travel dates and destination for the proposal form.

Travel Insurance Claim

• FIR or police report for criminal cases
• Copy of your passport with immigration stamps
• ID Proof
• Completed claim forms
• Copy of your original policy
• Original bills and receipts

You may be asked to provide all of these or more documents, depending on your claim.

Travel Guide for Indians Visiting Malaysia

Indians can luckily visit Malaysia anytime as long as they don't plan to stay beyond 30 days. The country is close, affordable and does not involve major formalities. However, you still need to plan your trip well to make the most of it:

Know Malaysia Airports

Malaysia is very well connected through several domestic and international airports. Some of the most popular airports include Kuala Lumpur International Airport (KLIA) in

Sepang, Penang International Airport, and Langkawi International Airport.

Currency in Malaysia

The currency used in Malaysia is the Malaysian Ringgit (MYR). Here is the latest exchange rate to get an estimate:

17.79 INR = 1 MYR = 0.24 USD

Indian Embassy in Malaysia

If you find yourself stuck in an emergency during your trips such as loss or theft of passport, political upheaval or any other emergency, you should contact the High Commission of India in Malaysia at +60 12 203 6900.

Malaysia Travel Insurance Add-ons

Be it a fun family holiday in the Sunway Lagoon or jungle trekking in Taman Negara, Malaysia offers truly spectacular experiences to everyone. However, if you have something intense planned, such as snorkelling or diving at Perhentian Islands or white water rafting near Gopeng, it's only smart to prepare for them!

While you may be really fit and healthy, diseases and injuries are unpredictable during adventure activities. If you do get injured because of them, you can at least relax a bit about these added expenses by adding an adventure sports cover to your Malaysia travel insurance policy.

Or, if you are travelling with someone with a health condition, then you can buy a PED cover as well. Whatever the situation, you can always get enhanced coverage with travel insurance policy for your Malaysia trip.

Malaysia Itinerary

• Decide your trip duration and finalise your travel dates
• Book flights and reserve hotels
• Be it Batu Caves or riding the Langkawi SkyCab, shortlist the places you want to visit in Malaysia
• Shopping Spree in Berjaya Times Square? Decide on the activities you wish to try in Malaysia
• Book tour or ferry tickets to explore Malaysia

Best Time to Visit Malaysia

For Indian travellers, the best time to visit Malaysia is March - early May. September - November is also a great time to visit Malaysia, as the weather is relatively dry and pleasant across most parts of the country.

These months are also the shoulder seasons, ideal for sightseeing, beach trips, and island hopping. You will find fewer crowds and some amazing travel deals/discounts. If you're planning to explore both the West Coast cities like Kuala Lumpur, Langkawi, or Penang, April is perfect. For East Coast cities like Perhentian and Tioman Islands, timing your trip in September helps you avoid the heavy monsoon rains.

Malaysia: Money Saving Tips

Despite being an exotic and awesome travel destination, backpackers can easily enjoy their trip to Malaysia within their budget. With some planning, travelling to Malaysia on a budget is not that difficult.

• Travel During Monsoon: Travelling during the monsoon (November -March) is the cheapest time to visit Malaysia.
• Buy Tourist Passes: Buy a KL TravelPass to save money on transport and entry fees
• Eat at Mamak: Stick to local joints, explore night markets, and eat at Indian Muslim eateries called mamak.
• Use Local Transportation: Budget travellers can choose tuk-tuks or rent Langkawi (scooters) for local travel.
• Pick your Accommodation Wisely: Hostels are widely available. Bukit Bintang in Kuala Lumpur and Georgetown in Penang are full of cheap yet stylish hostels.

Most Visited Places in Malaysia

One of the most popular places in Asia, Malaysia offers a lot of thrill, fun and memorable experiences to travellers:

• Kuala Lumpur: Must visit the Petronas Towers, Kuala Lumpur City Centre Park, Perdana Botanical Garden and KL Forest Eco Park. Walk through Merdeka Square, the capital's colonial heart, and Brickfields.
• Cameron Highlands: Known for stunning rolling tea plantations, cool weather, ancient temples and lush forests.
• Malacca: This UNESCO World Heritage site is a famous filming location. Visit weekend night markets, heritage museums and glitzy rickshaws.
• Tioman Island: Tioman Island is a stunning beach offering fun adventurous activities like mountain climbing, jungle hikes and diving.
• Ipoh: Among Malaysia's oldest cities, Ipoh is known for century's old buildings renovated into artistic cafes. Experience Colonial masterpieces, traditional coffee shops, and contemporary street art.

Malaysia Travel: Safety & Precautionary Measures to be Undertaken

While you prepare to have an amazing vacation in Malaysia, don't forget to keep your guard up and take sufficient precautions to ensure your safety:

• Be sure to know where the embassy is located in case of emergency
• Don't forget to carry your passport at all times with you
• It is not advisable not to overstay your visa as Malaysia levies heavy penalties for exceeding your visa stay
• Get your COVID-19 vaccinations completed before you visit Malaysia
• Drive carefully as roads in Malaysia can sometimes not be up to the mark
• Know about the country's laws at least briefly, even as a tourist you are subject to Malaysian laws, which may be different from what you're used to back home
• Read up on common scams in Malaysia. Although it is very unlikely that you could be scammed as long as you're aware of such scams you will be aware if somebody entries to scam you
• Invest in good travel insurance for Malaysia to reduce any chances of sudden expenses due to any emergencies

Malaysia is known for its quality medical facilities, its highly-skilled and internationally-trained medical professionals, and relatively economical medical procedures. The major downside is the average waiting time and high medical costs. So, in case you find yourself stuck in an emergency, your travel health insurance policy would serve you the purpose.

Malaysia Travel Insurance - FAQs