Tokio Marine Explorer

Product information

Tokio Marine Explorer Brochure (English)

The benefit(s) payable under eligible policy is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact TMIM or PIDM (visit www.pidm.gov.my).

Why
Tokio Marine
Explorer?

Benefits at a glance.

Cancellation For Any Reasons (CFAR) - Deluxe Plan lets you cancel for almost any reason and still get reimbursed.
Flight Delay Lounge Access - Essential & Deluxe policyholders enjoy complimentary Mastercard Flight Delay Pass for lounge access with flight delays more than 2 hours.
Unlimited Emergency Medical Evacuation & Repatriation
Group Discount - Save 5% when buying policies together with friends or family.
Cashless Hospital Admission - Enhanced plan offers cashless access to selected overseas hospitals with no upfront payments needed.
COVID-19 Coverage Included - Automatic protection for your medical, cancellation expenses cover with no extra premium.

Options

Individual/Group Plan
For any individuals between 30 days and up to 85 years old.

Family Plan
You & your spouse: age 18 and up to 70 years old.
You child: age 30 days and up to 23 years old.

Key coverage

Here is an overview of your coverage

Section 1

Personal Accident & Medical

Accidental Death or Permanent Disablement
Medical Related Expenses
Inconvenience Benefits
Daily Hospital Allowances
Trauma Care Allowances
Emergency Medical Evacuation & Repatriation

Section 2

Travel Protection

Travel Inconvenience Allowances
- Flight Delay, Reschedule
- Travel Misconnection
- Missed Departure
- Flight Overbooked
Travel Inconvenience Expenses
- Travel Cancellation
- Travel Postponement
- Travel Curtailment
- Travel Disruption
- Cancellation for Any Reasons
Personal Belonging Benefits

Section 3

Lifestyle Protection

Fraudulent Use of Credit Cards
Personal Liability
Rental Car Cover
Home Care
Golfer Cover
Extreme Activities

Travel Area

Area	Countries
Domestic	Within Malaysia
Area 1	Australia, Bangladesh, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Korea, Laos, Macau, Maldives, Myanmar, New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand and Vietnam.
Area 2	Worldwide excluding Malaysia, USA, Canada, Nepal, Tibet
Area 3	Worldwide excluding Malaysia

How much is my premium?

Your premium may vary, depending on

The plan selected
The travel destination
Your travelling period

To quote, please click here:
https://www.tokionow.com/easc/online/Travel-Home.jsp

More product
information

Product Disclosure Sheet

Tokio Marine Explorer Disclosure Sheet (English)

PDF, 239.33 KB

Proposal Form

Tokio Marine Explorer Proposal Form

PDF, 365.20 KB

Policy Wording

Tokio Marine Explorer Policy Wording (English)

PDF, 522.38 KB

Frequently Asked Questions

Tokio Marine Explorer FAQ

PDF, 201.95 KB

What we
don’t cover

✖ War and related risks including riot or civil commotion

✖ Government regulations/acts or authorities of any country

✖ Claims arising from manual work in connection with any trade, employment or profession

✖ Travelling (other than as a fare paying passenger) in a fully licensed passenger aircraft

✖ Suicide or self-inflicted injuries

✖ Hazardous adventure

✖ HIV, AIDS/AIDS-related complex

✖ Effect/Influence of alcohol or drugs

✖ Childbirth, miscarriage, pregnancy, or any complications thereof unless caused directly or indirectly by accident

✖ Pre-existing medical conditions

✖ Illness/disorders of a psychological nature, any anxiety state and/or nervous depression and mental illness

Note:
This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy.

Important information

This plan is underwritten by Tokio Marine Insurans (Malaysia) Berhad. All benefits and features mentioned herein are subject to terms and conditions of the policy. It is in your best interest to refer to the Policy Contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only and is accurate as at 15 January 2026.

Note: You are advised to take note of the scale of benefits for death and disablement in your insurance policy. It is recommended that you select a nominee and ensure that he/she is aware of the personal accident policy that you have purchased. You should read and understand the insurance policy, at all times, feel free to contact us for more information.