1. Between ages 18 – 21, individuals who are employed and/or married are considered adults
2. A child must always be part of a Family plan and cannot be covered in an Individual or Group policy.
3. Senior travellers (56 – 80 years old) cannot be part of a family plan and can instead purchase an Individual or Group policy.

1. Maximum 2 adults married to each other
2. Maximum 10 children of the adults
3. Minimum 1 parent and 1 child in a family plan
4. A family plan cannot consist of adults only or children only
5. Senior travellers (56 – 80 years old) cannot be part of a family plan
6. Age limit for family plan:
   • Adult: 18 – 55 years old
   • Child: 30 days – 21 years old (unemployed and unmarried)
7. A family will share one insurance policy

1. Maximum of 30 adults in a Group plan
2. Qualifying age: 18 – 80 years old
3. Children cannot be part of a group plan
4. Senior travellers (56 – 80 years old) must purchase a separate individual or group plan
5. Each traveller in the group will have their own individual travel policy

• Coverage duration per leisure trip: 30 days (worldwide travel)
• Coverage duration per business trip: 90 days (worldwide travel)
• For Domestic travel, the duration of cover is 30 days for each leisure or business trip
• Annual Trip insurance does not include COVID-19 coverage
• One Way Trip is not covered under Annual Cover

• One Way Trip: 72 hours from the first arrival date at the Country of Arrival, OR, upon checking in at point of immigration for travel outside of Country of Area, whichever comes first.
• Return Trip: 180 consecutive days for an overseas trip, 45 days for domestic travel
• Annual Trip: 30 consecutive days for an overseas leisure travel trip and 90 consecutive days for an overseas business travel trip; 30 days for domestic travel

Kindly refer to the claim guides on the following page :
https://www.tuneprotect.com/my/how-to-claim

For questions and enquiries, contact us here
https://www.tuneprotect.com/my/help-support/

Please submit your claim within 30 days of you becoming aware of an incident or loss leading to a claim.

• We will refund in full the premium paid if you cancel the trip due to unforeseen circumstances prior to the date of departure and you will not make any claim for travel and cancellation charges.
• We will not refund any premium paid if you cancel the trip due to unforeseen circumstances prior to the date of departure and we have agreed to pay claims for travel and cancellation charges.
• We will not refund any premium paid if you cancel the policy due to reasons other than unforeseen circumstances prior to the date of departure.
• No refund is allowed for cancellation of policy after commencement of insurance

1. Your death or the death of an immediate family member ; or
2. Bodily Injury or sickness that requires treatment by a medical practitioner which results in that medical practitioner certifying in writing that you or an immediate family member is unfit to begin or continue the trip; or
3. Unexpected outbreak or strike, riot or civil commotion arising out of circumstances beyond your control.

1. We will charge you the premium in accordance with the scale of refund if You cancel your Annual Cover Policy after commencement of insurance.
2. We will not refund any premium paid if you cancel your Annual Cover Policy and We have agreed to pay any claim under the Policy or there has been an occurrence of any event for which a claim may be payable under the Policy.