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    Medical Condition

    An existing medical condition is any medical condition which:

    At the time you buy your policy is:
    • chronic; or, 
    • displaying symptoms; or, 
    • under investigation; or, 
    • pending follow-up, consultation, treatment or surgery; or where these are recommended or planned; 
    • or metastatic; 
    • or terminal; or
    in the six months prior to the time you buy your policy there has been:
    • treatment by a medical practitioner; or 
    • medication prescribed; or 
    • surgery.

    Please refer to existing medical conditions that meet the criteria for automatic cover. 

    Do you want to complete a medical screening? 

    After entering your trip details (Age, Destination, Dates) to get a quote first. Please click on the "Continue" button to be redirected to nib to complete a medical screening. You will need to enter in details such as name & email, the medical screening will be on the following page. 

    Snow Sports

    If you are participating in Snow sports on your trip you need to add this option to be provided cover for snow sports related events. Snow Sports cover is only available on the International Comprehensive, Annual Multi trip and Australian Travel plans.

    By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you do not wish to purchase this additional cover.

    Snow sports are defined as Snow skiing and snowboarding on and off piste, back country skiing and snowboarding, snowmobiling, tobogganing, cross-country skiing, telemark skiing. Click the link to find out more about Snow Sports travel insurance.

    $0 Excess

    By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you don't want to reduce your excess. Different excess options are available when you "Get a Quote".

    Variable excess option. An excess is the amount that is deducted from your claim payout. A standard excess of $250 applies to most claims. By selecting this option, you can reduce your policy excess amount to $0 on some plans. An additional excess may apply to specific medical conditions. This excess cannot be removed.


    Cruising is covered as standard. If the cruise only stops in one country, just select that country. If the cruise stops at multiple destinations, add each destination. 

    • If you are travelling to 'New Caledonia', please also add in 'South Pacific Cruise' so cruise is displayed on your Certificate of Insurance. 
    • If the cruise only visits stops within Australia, make sure you select ‘Australian Waters’ option and NOT just Australia.

    If you get sick aboard a cruise while traveling under one of our international policies, we can offer overseas medical cover on board, including if you contract Coronavirus during the trip. Make sure you’re following all relevant government and official advice. All policy terms, conditions, limits and exclusions apply, and you should be aware there are things we don’t cover, such as your cruise being cancelled by the provider due to an epidemic or pandemic.
    Click the link to find out more about travel insurance for cruising.

    Already Overseas

    If you are already overseas and need travel insurance due to your previous policy expiring, or need to be covered while overseas and for your return trip back to Australia you can purchase while overseas. The trip must end at your home in Australia. A 72 hour waiting period may apply for policies purchased when you are already travelling. See waiting periods in the PDS for more information. 

    Annual Multi Trip

    Annual Multi Trip Plan, trip(s) means any travel up to 45 days in duration between the departure date and return date shown on your Certificate of Insurance. Each trip must:
    • Start and end at your home in Australia, and 
    • Be to a destination of at least 200km from your home in Australia, and 
    • Include travel by either pre-paid scheduled public transport or hire car, or include at least one night of pre-booked publicly available accommodation
    Designed for people who are travelling internationally and may also be travelling domestically. 


    Your children, stepchildren, grandchildren, foster children, and children for whom you are the legal guardian, who are travelling with you on the same itinerary for the entire duration of your trip and at the time the Certificate of Insurance is issued are:
    • under 25 years of age, and
    • working less than 30 hours per week.

    Coronavirus Travel Costs

    This benefit covers you for specific events related to coronavirus, such as contracting the virus causing you to cancel the trip or causing your quarantine; a healthcare worker's leave being cancelled; or you being denied boarding due to your suspected infection with coronavirus. Click the link to find out more about travel insurance for coronavirus.

    COVID-19 Medical

    Overseas Medical limit - $Unlimited^ (including COVID-19. Subject to policy terms, conditions, limitations and exclusions).
    ^Expenses for up to 12 months from the date an illness first appears or injury first occurs. Includes reasonable and necessary overseas medical expenses arising from sudden illness or serious injury (including COVID-19).

    One Way

    Policies are available for one-way travel overseas or to return back to Australia! Enter your departure and return dates which would be your active dates of insurance. Trip must start or end at your home in Australia. Click the link to find out more about one way travel insurance.

    Travel insurance to Malaysia


    Flag Malaysia Travel Insurance

    Malaysia Travel Insurance

    Malays form the majority of the population of Malaysia. There are sizable Chinese and Indian communities as well. 

    Travel Insurance for your trip to Malaysia

    Malaysia is a beautiful country situated in Southeast Asia, making it an exciting tourism destination. With nearly 500,000 travellers visiting the country annually, one can expect a truly unforgettable holiday experience. 

    From the vibrant cultural capital of Kuala Lumpur to the natural splendour of Penang, Johor or Malacca, there is so much to behold in Malaysia. With a tropical climate that is generally sunny, your holiday here will be a truly calming and wonderful experience. The tropical nature of Malaysia really makes it an ideal destination for beach holidays. 

    Popular beaches include the vibrant Tanjung Aru, which is set between Sabah’s capital Kota Kinabalu and its airport. If you're looking for something a bit more private, you can also explore the country’s many white sandy beaches in Sarawak and the Perhentian Islands. 

    Along with beaches, Malaysia is also a great spot for outdoor activities. Mountains, lush forests and national parks combine to provide a plethora of outdoor activities, just waiting to be explored. When one is looking for a little more action, Malaysia has many different activities to explore. 

    With a buzzing night life and famous shopping districts like Chinatown in Kuala Lumpur, you can find something to keep your days nice and filled with excitement. Malaysia really is a fantastic holiday destination, and with so much to explore and so much to see, it's definitely worth a visit. All you have to do is book your tickets and travel to Malaysia – it’s the experience of a lifetime! 

    Malaysia Demographcis

    Language:   Bahasa Malaysia, English, Chinese, Tamil 
    Area:   329,750 sq. km. 
    Capital city:   Kuala Lumpur 
    ± GMT:   +8 hours 

    Malaysia information Guide

    Malaysia Geography
    Malaysia Climate
    Malaysia Attractions
    Malaysia Activities
    Malaysia History

    Surrounding countries to Malaysia

    Brunei travel insurance
    Vietnam travel insurance
    China travel insurance
    Thailand travel insurance
    Philippines travel insurance
    Laos travel insurance
    Singapore travel insurance
    Indonesia travel insurance

    Australian Consulate in Penang, Malaysia

    1-C Lorong Hutton
    Penang 10050

    Telephone    +60 4 262 5285 / +60 4 263 3320
    Fax             +60 4 263 3320

    Australian Consulate in Kota Kinabalu, Sabah, Malaysia

    Suite 10.1, Level 10, Wisma Great Eastern Life
    65 Jalan Gaya
    Kota Kinabalu, Sabah 88000

    +60 88 267 151
    +60 88 266 509

    Australian High Commission, Malaysia

    6, Jalan Yap Kwan Seng
    Kuala Lumpur 50450

    +60 3 2146 5555
    +60 3 2141 5773

    Australian Consulate in Kuching, Sarawak, Malaysia

    Suite 504, 5th Floor, Wisma Bukit Mata Kuching
    Jalan Tunku Abdul Rahman
    Kuching, Sarawak 93100

    Postal address
    PO Box 3106
    Kuching Sarawak 93760

    +60 82 233 350
    +60 82 313 388


    The capital city is Kuala Lumpur, while Putrajaya is the seat of the federal government. 

    Kota Kinabalu, capital of East Malaysian state of Sabah is located 1600 km east across the South China Sea from Kuala Lumpur

    Other major cities include George Town, Ipoh, Johor Bahru, Kuching, Kota Kinabalu, Miri, Alor Star, Malacca Town, and Petaling Jaya.

    Tanjung Piai, located in the southern state of Johor, is the southernmost tip of continental Asia. 

    Travel insurance for Malaysia

    Please refer to the Australian Government website Smartraveller for general information about Malaysia from the Smartraveller website. Please read the PDS before considering travel insurance to Malaysia.

    Useful Links

    Compare Travel Insurance
    Seniors Travel Insurance
    Cruise Travel Insurance
    IEC Travel Insurance
    Already Overseas Travel Insurance
    Snow Travel Insurance

    Malaysia Travel Insurance

    Cover is subject to the policy terms, conditions, limitations, and exclusions set out in the current Combined Financial Services Guide and Product Disclosure Statement (PDS). Read the (PDS) prior to choosing travel insurance to Malaysia.