When will my coverage commence and cease?
For International Travel:
The coverage will commence from the time the insured person(s) leaves his/her home for a direct trip to the place of embarkation in Malaysia to travel to the intended destination(s) out of Malaysia and in any event not more than twenty-four (24) hours prior to booked departure time and ceases on the following, whichever occurs first:
(i) the expiry of the period of insurance;
(ii) the insured person(s) return(s) home; or
(iii) twenty-four (24) hours upon arrival in Malaysia. For one-way international travel, cover will cease seventy-two (72) hours after the scheduled time of arrival at the final destination abroad. Any stop-over for one-way travel should not exceed thirty (30) days.
For Domestic Travel:
Commencing from the time the insured person(s) leaves his/her home for a direct trip to the intended destination(s) in Malaysia and ceases on the following, whichever occurs first:
(i) the expiry of the period of insurance;
(ii) the insured person(s) return(s) home.