Card numbers are last 4 only. Read from each bank's or insurer's own document on 23 Oct 2026. Amounts are RM unless marked USD. A dash means the document lists no such benefit. Cover is per cardholder; spouse and children usually get a lower share.
Amex 5485 skipped (no benefits).
| Card | Insurer | Policy date | Accident (death / disability) | Medical | Evacuation | Cancellation | Missed connection | Baggage (delay / loss / damage) | Must do | Principal / supp | Policy |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dad: MSIG Travel SafeGuard Golden Joy (annual, Area 3), pays RM920.44 a year Dad | MSIG | Policy KL-84539417-TDA, 14 Nov 2025 to 13 Nov 2026; RM920.44 paid | 150k | 150k | - | 10k | Not covered | 200 per 6h / 1.5k / Yes | Pays premium, no card | n/a | Official policy |
| Compare: MSIG Travel SafeGuard Travel Max (annual) Compare | MSIG | MSIG website, 23 Oct 2026; premium needs a quote for Area 3, age 72 | 500k | 350k | - | 30k | 600 | 200 per 6h / 10k / Yes | Pays premium, no card | n/a | Official policy |
| Maybank World Elite MC 3128 | Etiqa | 7 Oct 2024 | 2m | - | - | - | 1k (missed flight) | 1k / 3k / No | Fare on card | Principal only | Official policy |
| Maybank Visa Infinite (2 Cards Premier) 6240 | Etiqa | 1 Jan 2021 | 2m | - | - | - | 1k (missed flight) | 1k / 3k / No | Fare on card | Principal only | Official policy |
| Maybank Reserve Amex (2 Cards Reserve) 3701 | Etiqa | 1 Jan 2021 | 1m | - | - | - | 800 | 800 / 2.5k / No | Fare on card | Basic + supp | Official policy |
| Maybank Mercedes-Benz Visa Infinite 4525 | Etiqa | 1 Jan 2021 | 2m | - | - | - | 1k (missed flight) | 1k / 3k / No | Fare on card | Principal only | Official policy |
| Maybank KrisFlyer Amex Platinum Credit Card 5892 | Etiqa | Jan 2022 | 750k | - | - | - | 500 | 500 / 1k in the text, 1.5k in the table / No | Fare on card | Basic + supp | Official policy |
| RHB Premier Visa Infinite 8806 | RHB Insurance | 1.1.2016 (RHB's current link) | 2m | 95k per family | 380k | - | 800 | 800 / 2k / No | Fare on card | Not stated | Official policy |
| UOB PRVI Miles Elite 2533 | Liberty | PDS 12/2025; master policy 2024 | 300k | 100k | 100k | 16k a trip | 2.5k | 2.5k overseas / 12k overseas / Yes | Fare on card | Not stated | Official policy |
| UOB Privilege Banking Visa Infinite 7222 | Liberty | Policy wording VER0924 | 500k | - | - | - | 1k | 1k / 2k / No | Fare on card | Basic + supp | Official policy |
| UOB Visa Infinite (Winnie's card) 3930 | Liberty | Policy wording VER0924 | 500k | - | - | - | 1k | 1k / 2k / No | Fare on card | Basic + supp | Official policy |
| CIMB Preferred Visa Infinite 4304 | Berjaya Sompo | 16 Dec 2025 | 300k | 25k | - | 25k per family | - | - / - / No | Air ticket on card, direct from airline | Not stated | Official policy |
| CIMB Private Wealth World Elite - | AIG (Mastercard) | Dec 2024; trips booked from 1 Jan 2025 | USD 500k international | USD 500k | USD 500k | USD 7.5k | USD 500 | USD 500 / USD 3k baggage / Yes | Fare on card (automatic) | Incl. secondary | Official policy |
| HSBC Premier World MC 8251 | AIG (Mastercard) | Jul 2025 file | - | USD 500k | USD 500k | USD 5k | USD 500 | USD 500 / USD 5k baggage / Yes | Register, fare on card | Incl. secondary | Official policy |
| HSBC Premier Travel World MC 9143 | AIG (Mastercard) | Jul 2025 file | - | USD 500k | USD 500k | USD 5k | USD 500 | USD 500 / USD 5k baggage / Yes | Register, fare on card | Incl. secondary | Official policy |
| SCB Journey World MC 8880 | AIG (Mastercard) | Jul 2022 | - | USD 100k | USD 100k | - | - | - / - / No | Register, fare on card | Incl. secondary | Official policy |
| SCB Priority Banking Visa Infinite 9473 | MSIG | Policy Jan 2024; summary May 2025 | - | 50k; dental 500 | Assistance 100k | - | - | 1k / - / No | 1 payment on card during trip | Principal + spouse | Official policy |
| AmBank Enrich Visa Platinum 9013 | Liberty | VER1225 (Jan 2026) | 500k | - | - | - | 600 | 600 / 1.3k / No | Fare on card | Basic + supp | Official policy |
| Card | Insurer | Accident (death / disability) | Medical | Evacuation | Trip cancellation |
|---|---|---|---|---|---|
| Dad: MSIG Travel SafeGuard Golden Joy (annual, Area 3), pays RM920.44 a year Dad | MSIG | 150k | 150k (age 65 to 80) | - | 10k (curtailment 10k) |
| Compare: MSIG Travel SafeGuard Travel Max (annual) Compare | MSIG | 500k | 350k (age 65 to 80) | - | 30k (curtailment 30k) |
| Maybank World Elite MC 3128 | Etiqa | 2m | - | - | - |
| Maybank Visa Infinite (2 Cards Premier) 6240 | Etiqa | 2m | - | - | - |
| Maybank Reserve Amex (2 Cards Reserve) 3701 | Etiqa | 1m | - | - | - |
| Maybank Mercedes-Benz Visa Infinite 4525 | Etiqa | 2m | - | - | - |
| Maybank KrisFlyer Amex Platinum Credit Card 5892 | Etiqa | 750k | - | - | - |
| RHB Premier Visa Infinite 8806 | RHB Insurance | 2m | 95k per family (380 deductible) | 380k | - |
| UOB PRVI Miles Elite 2533 | Liberty | 300k | 100k | 100k | 16k a trip (32k a year) |
| UOB Privilege Banking Visa Infinite 7222 | Liberty | 500k | - | - | - |
| UOB Visa Infinite (Winnie's card) 3930 | Liberty | 500k | - | - | - |
| CIMB Preferred Visa Infinite 4304 | Berjaya Sompo | 300k | 25k (50k per family) | - | 25k per family (curtailment 25k) |
| CIMB Private Wealth World Elite - | AIG (Mastercard) | USD 500k international | USD 500k | USD 500k | USD 7.5k (curtailment 7.5k) |
| HSBC Premier World MC 8251 | AIG (Mastercard) | - | USD 500k | USD 500k | USD 5k (postponement 5k, curtailment 5k) |
| HSBC Premier Travel World MC 9143 | AIG (Mastercard) | - | USD 500k | USD 500k | USD 5k (postponement 5k, curtailment 5k) |
| SCB Journey World MC 8880 | AIG (Mastercard) | - | USD 100k | USD 100k | - |
| SCB Priority Banking Visa Infinite 9473 | MSIG | - | 50k (25k if 70+); dental 500 | Assistance 100k | - |
| AmBank Enrich Visa Platinum 9013 | Liberty | 500k | - | - | - |
| Card | Delay / missed connection | Baggage delay | Baggage loss | Luggage damage? | Other |
|---|---|---|---|---|---|
| Dad: MSIG Travel SafeGuard Golden Joy (annual, Area 3), pays RM920.44 a year Dad | Delay 200 per 6h, max 1.6k; no missed-connection cover | 200 per 6h, max 800 overseas | 1.5k luggage in total | Yes: theft, damage or loss of luggage and personal effects, limit 1.5k, less wear and tear. No phones, tablets, fragile items. | Money 1k; documents 1.5k; travel deposit 2.5k; no personal liability |
| Compare: MSIG Travel SafeGuard Travel Max (annual) Compare | Delay 200 per 6h, max 3.6k; missed connection 600 | 200 per 6h, max 1.2k overseas | 10k luggage in total | Yes: same wording as Dad's plan, limit 10k. | Money 1.5k; documents 5k; travel deposit 7.5k; personal liability 1m |
| Maybank World Elite MC 3128 | Missed flight 1k | 1k (12h) | 3k (48h) | No (delay and non-delivery only) | Repatriation of remains 5k |
| Maybank Visa Infinite (2 Cards Premier) 6240 | Missed flight 1k | 1k (12h) | 3k (48h) | No (delay and non-delivery only) | Repatriation of remains 5k |
| Maybank Reserve Amex (2 Cards Reserve) 3701 | Missed connection 800; flight delay 800 | 800 (6h) | 2.5k (48h) | No (delay and non-delivery only) | - |
| Maybank Mercedes-Benz Visa Infinite 4525 | Missed flight 1k | 1k (12h) | 3k (48h) | No (delay and non-delivery only) | Repatriation of remains 5k |
| Maybank KrisFlyer Amex Platinum Credit Card 5892 | Missed connection 500 | 500 (6h) | 1k in the text, 1.5k in the table (48h) | No (delay and non-delivery only) | - |
| RHB Premier Visa Infinite 8806 | Delay 4h 800; missed connection 800 | 800 (6h) | 2k (24h) | No (delay and non-delivery only) | - |
| UOB PRVI Miles Elite 2533 | Delay 4h 2.5k; missed connection 2.5k | 2.5k overseas (6h) | 12k overseas (24h) | Yes: Section 8 loss and damage to baggage. Fragile articles excluded. | Also: home contents 7.5k, purchase protection, hospital income |
| UOB Privilege Banking Visa Infinite 7222 | Delay 6h 1k; missed connection 1k | 1k | 2k | No (delay and non-delivery only) | - |
| UOB Visa Infinite (Winnie's card) 3930 | Delay 6h 1k; missed connection 1k | 1k | 2k | No (delay and non-delivery only) | - |
| CIMB Preferred Visa Infinite 4304 | - | - | - | No baggage cover listed | Money and travel documents 5k (10k family) |
| CIMB Private Wealth World Elite - | Delay 4h USD 500; missed connection USD 500 | USD 500 (4h) | USD 3k baggage | Yes: loss of or damage to personal baggage, incl. laptop | Money and documents USD 500; personal liability USD 500k |
| HSBC Premier World MC 8251 | Delay 4h USD 500; missed connection USD 500 | USD 500 (4h) | USD 5k baggage | Yes: loss of or damage to personal baggage, incl. laptop | Hospital cash USD 100 a day |
| HSBC Premier Travel World MC 9143 | Delay 4h USD 500; missed connection USD 500 | USD 500 (4h) | USD 5k baggage | Yes: loss of or damage to personal baggage, incl. laptop | Hospital cash USD 100 a day |
| SCB Journey World MC 8880 | - | - | - | No baggage cover listed | Hospital cash USD 100 a day |
| SCB Priority Banking Visa Infinite 9473 | - | 1k | - | No baggage damage. Purchase protection covers new items bought on the card. | Purchase protection 10k |
| AmBank Enrich Visa Platinum 9013 | Missed connection 600; travel delay 600 | 600 | 1.3k (100 deductible) | No (delay and non-delivery only) | - |
| Card | What you must do | Principal / supplementary card | Who is covered / limits | Document | Date |
|---|---|---|---|---|---|
| Dad: MSIG Travel SafeGuard Golden Joy (annual, Area 3), pays RM920.44 a year Dad | Paid by Dad, not by card. Insured only. Renews 14 Nov 2026. | n/a (Dad's own policy) | Dad born 1953, age 72. Benefits from MSIG's website (the certificate has no schedule); confirm with the policy wording. | Official policy | Policy KL-84539417-TDA, 14 Nov 2025 to 13 Nov 2026; RM920.44 paid |
| Compare: MSIG Travel SafeGuard Travel Max (annual) Compare | Paid by Dad. Same cover for age 65 to 80. Annual from RM383.40 (Area 1, under 80). | n/a (Dad's own policy) | Not bought: for comparison only. | Official policy | MSIG website, 23 Oct 2026; premium needs a quote for Area 3, age 72 |
| Maybank World Elite MC 3128 | Entire fare on the card. No registration. | Principal card (policy defines Cardholder as the principal) | Spouse, children under 23. Up to 90 days a trip. | Official policy | 7 Oct 2024 |
| Maybank Visa Infinite (2 Cards Premier) 6240 | Entire fare on the card. No registration. | Principal card (policy defines Cardholder as the principal) | Assumed to be the Maybank Visa Infinite certificate (same as 4525); the 2 Cards Premier certificate on Maybank's page covers the Reserve Amex only. Confirm with Maybank. Spouse, children under 23. Up to 90 days a trip. | Official policy | 1 Jan 2021 |
| Maybank Reserve Amex (2 Cards Reserve) 3701 | Entire fare on the card. No registration. | Basic and supplementary | Spouse, children under 23. Certificate is titled Maybank 2 Cards Reserve American Express Card. | Official policy | 1 Jan 2021 |
| Maybank Mercedes-Benz Visa Infinite 4525 | Entire fare on the card. No registration. | Principal card (policy defines Cardholder as the principal) | Spouse, children under 23. Up to 90 days a trip. | Official policy | 1 Jan 2021 |
| Maybank KrisFlyer Amex Platinum Credit Card 5892 | Entire fare on the card. No registration. | Basic and supplementary | Spouse, children under 23. | Official policy | Jan 2022 |
| RHB Premier Visa Infinite 8806 | Entire fare on the card. No registration. | Not stated in the certificate | Spouse, children under 23. Medical up to 60 days a trip. | Official policy | 1.1.2016 (RHB's current link) |
| UOB PRVI Miles Elite 2533 | Entire fare on the card for medical and trip cover. No registration. | Not stated in the policy | Cardmember under 70. | Official policy | PDS 12/2025; master policy 2024 |
| UOB Privilege Banking Visa Infinite 7222 | Full fare on the card (80% of a package tour). No registration. | Basic and supplementary | Cardholder and family. | Official policy | Policy wording VER0924 |
| UOB Visa Infinite (Winnie's card) 3930 | Full fare on the card (80% of a package tour). No registration. | Basic and supplementary | Cardholder and family. | Official policy | Policy wording VER0924 |
| CIMB Preferred Visa Infinite 4304 | Air ticket bought in Malaysia with the card, direct from the airline (not a travel agent). | Not stated in the terms | Cardholder under 75. | Official policy | 16 Dec 2025 |
| CIMB Private Wealth World Elite - | Entire fare on the card. Automatic. | Includes secondary cardholders on the same account | Age 18 to 69. Up to 180 days a trip. Spouse 50%, children 10%. | Official policy | Dec 2024; trips booked from 1 Jan 2025 |
| HSBC Premier World MC 8251 | Register first (my.mycardbenefits.com). Entire fare on the card. | Includes secondary cardholders on the same account | Age 18 to 69. Up to 180 days a trip. Spouse and children 50%. | Official policy | Jul 2025 file |
| HSBC Premier Travel World MC 9143 | Register first (my.mycardbenefits.com). Entire fare on the card. | Includes secondary cardholders on the same account | Age 18 to 69. Up to 180 days a trip. Spouse and children 50%. | Official policy | Jul 2025 file |
| SCB Journey World MC 8880 | Register first. Entire fare on the card. | Includes secondary cardholders on the same account | Up to 180 days a trip. Spouse and children 50%. | Official policy | Jul 2022 |
| SCB Priority Banking Visa Infinite 9473 | One charge on the card during the trip. | Principal cardholder and legal spouse only | Cardholder and legal spouse only. | Official policy | Policy Jan 2024; summary May 2025 |
| AmBank Enrich Visa Platinum 9013 | Full fare on the card. No registration. | Basic or supplementary | Children 25% of the accident sum. | Official policy | VER1225 (Jan 2026) |
Insurance PDFs: OneDrive, 001 LEN Stuff/Python/Gmail BS unlocker/card-travel-insurance/ (also attached to ClickUp task 14yn59xnre3)