Travel Insurance for Malaysia

The bustling markets of Kuala Lumpur’s Brickfields, the colourful Thaipusam procession at Batu Caves and the Indian temples in Penang are just a few of the many things that make Malaysia both familiar and exciting for Indian travellers. Add to that 30-day visa-free entry and minimal language barriers, and it is easy to see why Malaysia feels welcoming right from the moment you arrive.

To keep the rest of your trip just as comfortable, getting travel insurance before you go is a smart move. It helps ensure that sudden travel issues do not disrupt your plans. Be it a flight delay, a missed connection or misplaced baggage, the plan has you covered.

For instance, if your flight from Hyderabad to Langkawi via Kuala Lumpur is delayed due to weather and you miss your connecting flight, your Malaysia Travel Insurance steps in with the support you need to deal with the travel issue.

With IndusInd travel insurance (formerly Reliance travel insurance) by your side, you don’t have to worry about the unexpected derailing your itinerary. It keeps you protected against common travel disruptions so you can stay focused on the food, festivals and the vibrant culture that brought you to Malaysia in the first place.

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Why 8 Crore+ Policyholders Choose Us?

A health insurance plan covers for these unexpected medical expenses, ensuring you don't have to bear the financial burden. You can focus on getting the medical care you need without worrying about the cost. In simple terms, health insurance helps you to reduce or avoid a larger financial stress by paying a comparatively smaller premium.

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$500,000 Coverage

High Medical Coverage

24/7 Customer Support

Get help anywhere in Malaysia

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Benefits of Buying Malaysia Travel Insurance

Emergency Health Cover

You can’t skip the char kway teow in Penang or nasi lemak in Kuala Lumpur, it’s part of the Malaysian experience. But if the spices don’t agree with you, your IndusInd Malaysia Travel Insurance covers emergency medical expenses up to USD 500,000* at certified hospitals across Malaysia. You're covered for anything from a mild bug to unexpected health issues.

Lost Passport Support

After a day of hopping between trains and buses in Malacca, it’s easy to misplace things between the constant commutes and crowded spots. If one of these things happens to be your passport, don’t worry. Your Malaysia Travel Insurance plan covers up to USD 300* for reissuance, so you can get a replacement quickly and continue your travels as planned.

Missed Connections & Delays

Heavy rain in Langkawi or a technical failure with your assigned aeroplane can lead to unexpected flight delays. If the delay lasts for over 12 hours, you can claim up to USD 60/day* for expenses like meals or accommodation. And if you miss your connecting flight because of it, you can claim up to USD 500* to cover the cost of rebooking.

Baggage Delays & Loss

Luggage delays can happen due to many reasons. It could be tight layovers, airport handling errors or even weather disruptions. If your bags are delayed for over 12 hours, you can claim up to USD 100* for essentials like clothes or toiletries. If they’re lost entirely, get up to USD 1500* to replace your belongings, so you’re not left without the basics while travelling.

Personal Liability Cover

Getting a scooter is a great way to get around George Town or Langkawi; it is affordable and convenient. But if you accidentally damage someone's property or injure someone during one of your rides and are held liable, don't worry. Your Malaysia Travel Insurance plan gives you coverage up to USD 200,000* for third-party injury or property damage.

Emergency Financial Support

Night markets in Kota Kinabalu are a must-visit, but crowded spaces can sometimes mean a lost wallet. If that happens, your IndusInd Malaysia Travel Insurance has you covered with up to USD 300* in emergency cash for essentials like transport, food or accommodation so your plans don’t come to a halt even when your wallet goes missing.

Key Features

Key Features of IndusInd Malaysia Insurance

Individual Travel Plan

IndusInd Thailand Travel Insurance provides all-around protection for your trip against a range of disruptions. Our individual travel plan offers comprehensive protection for one traveller, so it's a great addition to any solo trip to Thailand. Here are the key features and coverage limits of this plan that make it a standout choice.

Key Features-Individual Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$500,000
Personal liability	$100,000	$200,000
Personal accident	$20,000	$30,000
Total loss of baggage	$1,000	$1,500
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 6 Days)	$60/day (maximum cap of 6 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹3,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Family Travel Plan

Why buy 4 separate plans when you can buy one plan to cover your family of 4! Our family travel insurance plan offers coverage up to $250,000*, and this coverage is shared among all family members. This makes policy handling and claims processing a lot easier since you'll just be using one plan to cover your entire family during your trip.

Key Features-Family Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$250,000
Personal liability	$100,000	$200,000
Personal accident	$15,000	$25,000
Total loss of baggage	$500	$1000
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 5 Days)	$50/day (maximum cap of 7 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹1,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Disclaimer: Please refer to the official policy documents for detailed information linked here.

Inlcusion Exclusion

IndusInd Malaysia Insurance: Inclusions & Exclusions

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What is covered?

Emergency Care: Covers medical and dental treatment resulting directly from accidental injuries sustained during your trip.

Pre-existing Diseases: If a pre-existing condition becomes life-threatening while travelling, emergency treatment costs will be covered.

Third-Party Liability: If you accidentally injure someone or damage their property, we’ll cover the resulting medical or repair expenses.

Travel and Baggage Delay: Covers delays due to medical emergencies, bad weather, job loss or security issues. Baggage delays exceeding 12 hours are also covered.

Lost Passport: If your passport is lost or stolen during your trip, the plan helps cover the cost of getting you a replacement.

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What is not Covered?

Planned Treatment: Travelling to any Asian country solely for medical treatment, surgery or cosmetic procedures is not covered under the policy.

Undeclared Pre-existing Diseases: Medical emergencies related to pre-existing illnesses that were not disclosed before purchasing the plan will not be covered.

Pregnancy-Related Exclusion: If you are over 30 weeks pregnant, any expenses related to childbirth or associated complications during the trip are excluded.

Legal Violations: Costs arising from legal issues, including situations that result in your passport being seized by authorities, are not covered.

Negligence: Claims won’t be accepted for missed flights caused by personal delays or failure to carry necessary travel documents.

Disclaimer: Please refer to the official policy document for detailed inclusions and exclusions.

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How to Buy?

How to Buy IndusInd Malaysia Travel Insurance?

Anyone who is above 18 years of age, have completed education up to at least 10th Standard and has a valid Aadhaar card & PAN card. For instance, below are few categories who can be benefited the most.

Location Travel Insurance

Select Trip Type

Scroll up to the form on top and select your travel purpose.

Enter Your Details

Enter your travel dates, DOB and choose Malaysia as your destination.

Compare & Select

For an instant quote pick your SI in calculator below and click "Compare Plans".

Complete KYC

Enter your phone number and complete the online KYC process.

Pay & Get Policy

Pay online and get your Malaysia travel insurance plan instantly via email.

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How to Claim?

How to Claim IndusInd Malaysia Travel Insurance ?

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Cashless

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network garages.

Steps to file a cashless claim

For medical claims, let us know via our helpline or email using your policy number.

Check if the hospital accepts cashless claims & submit the claim form.

IndusInd Care (previously Reliance Care) will review the claim and your documents.

Upon approval, we place a Guarantee of Pay (GoP) to the hospital.

If the hospital does not agree to the GoP, you can always file a reimbursement claim.

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Reimbursement

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network
garages.

Steps to file a Reimbursement claim

Get in touch via our helpline or email for luggage delays, trip cancellations, etc.

Complete the claim form and gather all other necessary documents.

You might need to submit a passport copy, flight tickets, emails from the airline or FIR.

IndusInd Care (previously Reliance Care) will review the claim to decide its approval.

After approval, the compensation or benefit amount will be disbursed to you.

Disclaimer: For the complete list of documents, please refer to your policy documents. For further assistance, you can contact customer support.

Types of Visas for Malaysia

The Malaysian government granted 30-day visa-free entry to Indian citizens until December 2026, making short-term travel more convenient. All travellers must hold a valid passport and complete the Malaysia Digital Arrival Card (MDAC) online within three days before arrival.

Social Visit Visa

For Indian nationals visiting family or friends, attending religious or cultural activities in Malaysia. It is typically valid for 30 to 90 days.

Employment Visa

Issued to skilled Indian professionals who have secured a job in Malaysia. It is valid for 1 to 5 years, depending on the employment contract.

Student Visa

For Indian students enrolling in full-time academic programs at Malaysian institutions. Valid for up to 12 months, needs to be renewed annually.

Transit Visa

Required for Indian travellers transiting through Malaysia to a third country. Only needed if they plan to leave the airport or have a layover of up to 5 days.

Dependent Visa

For Indians accompanying family members working or studying in Malaysia. The visa’s validity matches the primary visa holder’s permitted stay.

Embassy Contact Details: India and Malaysia

Parameters	High Commission of Malaysia	Indian Embassy in Malaysia
Country	India	Malaysia
Location	Delhi	Kuala Lumpur
Address	50-M, Satya Marg, Chanakyapuri, New Delhi, Delhi 110021	High Commission of India, Kuala Lumpur, Level 1, Wisma HRIH Lotus, No. 442 Jalan Pahang, Setapak, 53000 Kuala Lumpur.
Contact Number	+91-11-24159340-43/9355/9312/9306	+60 3 4024 0990
Email Address	mwdelhi@kln.gov.my	inf.kl@mea.gov.in
Website	https://www.kln.gov.my/web/ind_new-delhi/home	https://www.hcikl.gov.in
Operating Days	Monday to Friday	Monday to Friday
Operating Hours	8:30 - 16:30	09:00 - 17:30

Best Time to Visit Malaysia

Malaysia’s charm knows no off-season, be it beach days, rainforest hikes or street food nights, there’s always a reason to explore more. The best time depends on where you're headed and what you want to explore next.

November to February

What to Expect: Sunny weather on the west coast and monsoons on the east (23°C – 32°C).

Perfect for: Beach holidays in Langkawi and Penang, city walks in Kuala Lumpur and celebrating festivals like Christmas, New Year and Chinese New Year.

Tourist Flow: High

Flights and Hotel Rates: Highest during this period, especially around festive holidays.

Return Airfare from India (Approx): ₹28,000–₹36,000*

Keep in Mind: East coast beaches may be inaccessible. Book early for festivals and holiday weeks.

March to May

What to Expect: Hot and Humid. Occasional showers. (24°C – 33°C).

Perfect for: Exploring cities, rainforest treks and visiting Borneo or east coast beaches before the monsoon sets in.

Tourist Flow: Moderate

Flights and Hotel Rates: Moderate.

Return Airfare from India (Approx): ₹23,000–₹26,000*

Keep in Mind: Pack light clothes, carry sun protection and stay hydrated.

June to October

What to Expect: Very Humid, consistent rains (24°C – 32°C).
Perfect for: Budget travel and offbeat adventures in Borneo.

Tourist Flow: Low

Flights and Hotel Rates: Lowest in the year

Return Airfare from India (Approx): ₹20,000–₹24,000*

Keep in Mind: Pack rain protection and extra clothes.

Interesting Facts About Malaysia

Cultural Melting Pot - Malay, Chinese, Indian and Indigenous cultures coexist in Malaysia, influencing everything from the food on your plate to the festivals you witness and even the languages spoken on the same street.

Street Food Paradise - Hawker stalls in Malaysia serve everything from rich nasi lemak and fiery sambal to tender chicken rice and hand-pulled roti. Every dish tells a story of the country's diverse cultural roots.

Lively Night Markets - In Malaysia, Pasar malams or night markets, come alive after sunset with colourful stalls selling snacks, gadgets, fashion and more. They're the perfect place to experience local life and taste Malaysia’s authentic street food.

Borneo’s Orangutans - Sabah is home to Sepilok Orangutan Rehabilitation Centre, where orphaned and injured orangutans are nursed back to health. You can visit the centre and watch them in semi-wild environments as they recover.

Sipadan Marine Life - Off the coast of Borneo, Sipadan is one of the world’s best diving spots. The water is crystal-clear and home to sea turtles, reef sharks and thousands of colourful corals.

Jimmy Choo’s Roots - Legendary shoe designer Jimmy Choo was born in Penang, where he learned the craft from his father. Today, his luxury brand is worn by celebrities worldwide.

National Fruit - Durian, the national fruit of Malaysia, may be controversial, but it is a must-try. With a strong aroma and rich, custard-like interior, it’s considered a delicacy that Malaysians adore.

Batu Caves Climb - Just outside Kuala Lumpur, Batu Caves features a towering golden statue of Lord Murugan and 272 rainbow steps leading to a temple in a limestone cave.

Penang’s George Town - George Town, a UNESCO Heritage site, stands out for its blend of colonial architecture, Chinese clan houses, street art trails, and world-famous hawker food.

Melaka’s Historic Mix - Melaka is where Dutch, Portuguese, British and Malay histories blend into a charming riverside town. It’s home to ancient forts, colonial churches, vibrant night markets, and rich Nyonya cuisine rooted in Peranakan heritage.

Essential Apps for Your Malaysia Trip

Translation

While Bahasa Malaysia is the national language, English is widely spoken in cities. Apps like Google Translate, Papago or DeepL can help you with signs, menus or small interactions, especially in rural areas or local markets.

Accommodation

For hotel stays across Kuala Lumpur, Penang, Langkawi, or Sabah, apps like Agoda, Traveloka.com, Booking.com and Trip.com offer great deals. For more homely or unique stays, try Airbnb.

Navigation

You can use Google Maps for most places in Malaysia, whether you’re walking around Melaka, taking a train in Kuala Lumpur or driving to the Cameron Highlands. For public transport schedules, Moovit.com and RapidKL Pulse are helpful.

Transport

In Malaysia, Grab is the most popular app for booking taxis and ride-sharing across Malaysia. You can use it for cars, food delivery and even parcel delivery. For intercity buses or trains, try Easybook or BusOnlineTicket.

Food Delivery

For quick food deliveries, apps like GrabFood, Foodpanda, and ShopeeFood are popular across major cities. Although the availability may vary in rural areas, local kopitiams and 24/7 convenience stores are never far away.

Sightseeing and Events

Get early and discounted passes to cultural sites, nature tours and theme parks with apps like Klook or Traveloka Xperience. Many attractions, such as the PETRONAS Towers or Sunway Lagoon, offer e-tickets and updates via Google Maps listings.

Key Takeaways

Planning your itinerary through Malaysia’s busy streets and stunning rainforests is half the fun. But before you finalise your plans and start packing your outfits, it’s worth making room for one more essential, that is, your Malaysia travel insurance policy.

Your elaborate plans to explore the famous street food scene in Penang or unwind on the beaches of Langkawi can be disrupted by unexpected travel issues like flight delays, misplaced baggage or even sudden illnesses. But with Malaysia Travel Insurance from IndusInd General Insurance (formerly Reliance General Insurance), you’re covered when things don’t go as planned.

For example, if you happen to overindulge in some deep-fried snacks at the night market and it leaves you with a really bad acid reflux, getting medical help in a new place can feel overwhelming, not to mention expensive. With medical coverage up to USD 500,000*, you can get treated at any certified hospital in Malaysia without worrying about the cost. Plus, with the IndusInd Insurance app, help is always just a tap away. Whether you need to file a claim or access emergency assistance.

So go ahead and enjoy every adventure, while IndusInd Malaysia Travel Insurance takes care of the unexpected.

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Malaysia travel insurance plans starting at just ₹306*

Experience Malaysia Without a Pause

From Penang’s flavourful streets to Borneo’s wild rainforests, our coverage keeps pace with every twist in your journey, at every step and every stop.

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4.7 ★ ★ ★ ★ ★ (45)

I recently purchased my Travel insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

Yogya Kolliboina

Rangareddy

4.5

Seamless digital experience

I had a positive experience while applying for Travel insurance from Reliance Insurance Company (now IndusInd Insurance Company) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

Saroja Kolliboina

Rangareddy

From start to finish, the process of getting my Travel insurance was convenient. The plan offered exactly the type of coverage I was expecting.

Padmanabhan

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance felt effortless and user-friendly. It aligns well with what I needed from an insurance policy.

Alpabharat Gala

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.

I was going on a simple holiday and wanted basic cover without unnecessary additions. I only paid for my exact travel dates, and the coverage level felt right for where I was travelling.

For my Europe trip, I mainly wanted medical cover. I could see the hospital and emergency details clearly, so I did not have to overthink while choosing the plan.

Caroline Ghosh

MUMBAI

Easy application

The process of applying for my travel insurance policy was simple and quick to complete.

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Frequently Asked Questions (FAQs)

Is travel insurance mandatory for Malaysia?

While Malaysia does not make travel insurance mandatory for Indian citizens, having Malaysia Travel Insurance is highly recommended. Medical care in Malaysia is reliable, but it can be costly for foreign visitors. A short hospital visit could cost anywhere between MYR 800 – MYR 1,200, which is approximately ₹14,000 – ₹21,000*. Without insurance, these costs come out of pocket and can quickly affect your travel budget. (*Approximate conversion at 1 MYR = ₹17.5. Rates may vary.)

What should I pack for my trip to Malaysia?

Copies of important documents – Keep scanned digital copies of your ID, passport and visa. Lightweight, breathable clothes – Malaysia has a tropical climate, so pack for warm and humid weather. Rain gear – a compact umbrella or raincoat is essential, especially during the monsoon season Sunscreen and sunglasses – UV can be strong even on cloudy days. Comfortable walking shoes – great for exploring cities, beaches and national parks. Universal travel adapter – Malaysia uses Type G power sockets (UK-style, 240V). Basic medications – carry essentials like fever reducers, anti-allergy pills, and digestive aids (check Malaysian rules on bringing medicines). Power bank – useful for long sightseeing or travel days. Insect repellent – helpful if you’re travelling to forested or rural areas.

What affects my travel insurance premium?

Trip duration – longer trips generally lead to higher premiums. Sum insured – higher coverage means better protection, but also higher premiums. Pre-existing medical conditions – declaring these may raise your premium, but ensures your claims remain valid. Age of the traveller – older individuals may pay more due to higher health risks.

What documents should I carry while travelling to Malaysia?

A passport with at least 6 months of validity from your date of arrival. A valid Malaysia visa (unless you're eligible for visa-free entry, visa on arrival or eVisa). A duly filled MDAC (Malaysia Digital Arrival Card) 3 days before arrival. Return or onward flight tickets to prove your departure plans. Proof of accommodation, such as hotel bookings or a letter from your host. Bank statements or travel cards to show proof of sufficient funds. Malaysia Travel Insurance – carry both physical and digital copies for emergencies.

What are some safety tips to keep in mind when travelling to Malaysia?

Respect local laws and cultural norms. Dial 999 for police, ambulance or fire emergencies. Avoid walking alone at night in unfamiliar or poorly lit areas. Littering in public places can result in a fine of up to MYR 2,000, which is around ₹36,000*. Jaywalking can result in a fine of up to MYR 500, which is around ₹9,000*. So always use pedestrian crossings. Eating or drinking on public transport (MRT/LRT) can result in a fine of up to MYR 1,000, which is around ₹18,000*. Wear long pants and cover your shoulders when visiting religious sites, such as mosques and temples. Avoid sleeveless tops, short skirts, and tight-fitting clothes at religious or cultural places. In rural or conservative areas, dress modestly to respect local customs. Dressing indecently in public or religious places can lead to fines up to MYR 1,000, which is around ₹18,000*. (approx. conversion rate - 1 MYR = ₹18)