Hong Kong Travel Protest
Frequently Asked Questions (FAQs)
Country affected : Hong Kong
There was a planned city-wide strike in Hong Kong on 5 August 2019, which has led to disruptions affecting flights to/from Hong Kong. The Consulate-General of Malaysia in Hong Kong advised Malaysians residing in, and traveling to Hong Kong to stay away from public demonstrations in Hong Kong. On 16 August 2019, the Singapore Ministry of Foreign Affairs has updated the travel advisory for Hong Kong, which indicated that recent protests had affected the airport operation in Hong Kong and Singaporeans are thus advised to defer non-essential travel to Hong Kong. Please note that AIG Malaysia will deem the event and its associated disruption, which arise from the same political conflict in Hong Kong, as ‘known event’ starting from 5 August 2019 and therefore any claims relating to the event that arise from policies purchased on or after 5 August 2019 are not covered.
FAQs pertaining to coverage
Can insured file for travel cancellation/ postponement/ curtailment/ disruption/travel delay benefits pertaining to the events listed above?
This event is now considered as a known event and classified as a Major Travel Event only for customers who have their scheduled common carrier services cancelled/postponed or disrupted.
NO cover will be provided for losses or damages in connection with such ongoing protest activities and associated disruptions unless the policy was purchased before 5 August 2019. For Annual plan policy holders, cover will only be provided if policy was purchased or date of actual booking for the journey was made before 5 August 2019.
For policy purchased before 5 August 2019, each claim will be assessed on its own merits subject to policy terms and conditions.
For Travel Cancellation and Postponement, the coverage would only be triggered if the Singapore government advisory against non-essential travel is still effective within 14 days before original departure date from Malaysia.
Insured requests for a cancellation of policy as he/she decides to cancel the trip to Hong Kong. Are we able to cancel the policy with a refund?
Yes, we will allow cancellation of policy with full refund of premium, subjected to no claims declaration from insured.
Can a customer still purchase a travel policy from 5 August 2019 and be covered for trips to Hong Kong?
The Customer may still purchase the travel policy to Hong Kong from 5 August 2019 but as the situation is now made known by public media, it will be considered as a known event and no claim(s) will be payable for any loss related to the event. This applies to travel policies purchased from 5 August 2019 onwards.
Injury that are non-related to ongoing city-wide strike activities will be reviewed by claims team as per the usual policy terms and conditions.
We will assess all claims in accordance with the facts of each case, the Policy Wordings and the coverage as stated in the Certificate of Insurance. Your cover will depend on the type of policy you purchased and your particular circumstances.
If you are an insured by AIG Malaysia Insurance Berhad and you require emergency assistance during the insured trip, please contact the assistance hotline at +603 2772 5600.
If a travel cancellation or disruption loss does occur, please first contact your travel agent or the airline to seek a refund or make alternate travel arrangements. After this, if you still have a loss, you may submit a claim or contact our customer service hotline at 1 800 8888 11.