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AirAsia Travel Insurance Review: Lightweight plan best used for short getaways

Alevin Chan

Alevin Chan

Last updated 14 December, 2023

AirAsia’s travel insurance plan is made for casual travellers with light needs. Just as well, as its barebones benefits make the plan hard to recommend to most flyers. 

Travel Protection for AirAsia is the official name of the travel insurance plan offered by budget carrier AirAsia. It is as utilitarian a name as can be, and a good hint as to what the travel plan provides.

As you’ve probably surmised by now, Travel Protection for AirAsia isn’t exactly overflowing with travel benefits. The plan can do the job, but in all likelihood, only a limited subset of travellers will find the coverage afforded to be adequate. 

But still, given how this travel plan is offered through AirAsia, perhaps it’s designed on purpose to be a snug fit for their core customers – budget travellers who take short trips within and around the region. 

In that vein, let’s have a look at what’s on offer in AirAsia’s travel insurance plan.

Table of contents:

Product summary

Type of policy
Policy cover
Single trip only
Plan tiers
2 (One-way, Return)
COVID-19 benefits
Included (Plus plans only)
Not covered
Adventurous activities
Not covered
Pre-existing conditions
Not covered

Why choose Travel Protection for Air Asia?

If you’re a budget conscious traveller who wants a basic level of protection for the common risks of travel, Travel Protection for Air Asia can fulfil those requirements. 

The benefits you will be accorded won’t be very high, and will come with the usual restrictions, but you will at least be able to save on the premiums, which can go as low as S$1.30 per day. 

You will still get benefits covering your luggage, overseas medical expenses and flight disruptions, but the level of coverage ranges from middling to restrictive in places. The saving grace is the COVID-19 medical care benefits, which vastly improves coverage levels. 

Travel Protection for Air Asia – what does this plan exclude?

We’ve highlighted some general exclusions in Travel Protection for Air Asia. Be sure to check the policy wording for the full list of exclusions. 

Travel Protection for Air Asia does not cover:

  • Self-inflicted injury or suicide
  • Pregnancy, miscarriage, childbirth or abortion and their complications or fertility, sub-fertility or assisted conception operation.
  • Activities while under the influence of drugs or alcohol
  • Professional sports or competitions with expectation of prizes
  • Travelling against the advice of a Physician, or for the purposes of seeking medical attention
  • Hiking or mountaineering above 3,500 m. 
  • Adventurous sports and activities such as bungee jumping, diving, white rafting rafting, canoeing, rock climbing, underwater activities, etc

Benefits, plans and pricing

Key benefits of Travel Protection for AirAsia 

Overseas medical expenses 
Emergency evacuation and repatriation 
Accidental death and disablement
Trip cancellation 
Trip curtailment
Up to cost of AirAsia ticket
Loss or damage to baggage
S$800 (S$200 per item)
S$800 (S$200 per item)
Personal money and travel documents
Home contents 
COVID-19 benefits
Medical expenses 
Hospital allowance: S$50/day
Plan 10: S$15,000
Plan 25: S$35,000
Plan 50: S$80,000
Plan 10: S$15,000
Plan 25: S$35,000
Plan 50: S$80,000
Cancellation of trip due to COVD-19
Overseas compassionate visit
Emergency evacuation and repatriation of remains

Overseas medical and hospitalisation benefits

Travel Protection for AirAsia provides up to S$10,000 for overseas hospitalisation expenses, There’s also a compassionate visit benefit of up to S$2,000 if you choose the Return plan.  

In the event of COVID-19, the plan provides a much higher medical benefit of S$15,000, S$35,000 or S$80,000 depending on which of the 3 tiers you choose. There’s also daily hospital cash of S$50 per day.

Yes, it’s a little confusing, as the plan is further divided into One-way and Return plans. Just remember that Plan 10, Plan 25 and Plan 50 only impacts how much COVID-19 coverage you receive, and all other benefits are the same as with the base plan. 

The base plan is split into One-way and Return, with the latter providing a fuller selection of benefits, as seen in the table above. 

Emergency evacuation and personal accident benefits

Here, total benefits of S$50,000 are provided for emergency evacuation and repatriation. This includes for COVID-19. 

Travel inconvenience 

This plan provides up to S$600 if you need to cancel your trip, and the same applies for COVID-19. Travel curtailment is only covered if you choose the Return plan, and only up to the cost of your AirAsia ticket.

You will also receive up to S$800 coverage for luggage and personal items, with a limit of S$200 per item. The Return plan further provides up to S$500 cover for personal money and travel documents, as well as S$350 in home contents coverage to protect your property while you’re away.  

How much does Travel Protection for AirAsia cost?

(does not cover COVID-19)
From S$23.80
(with COVID-19 benefits)
Plan 10: S$14.30
Plan 25: S$15.40
Plan 50: S$18.70
Plan 10: From S$28.60
Plan 25: From S$30.80
Plan 50: From S$37.40

To further complicate things, Travel Protection for AirAsia actually comes in two versions: Lite (without COVID-19 coverage) and Plus (with COVID-19 coverage). 

One-way plans are charged at a flat cost, as shown in the table above.

Return plans are charged in blocks of 10 days. The premiums shown here are for a trip lasting 1 to 10 days, and premiums increase a little or longer trips, such as 11 to 20 days, 21 to 30 days, etc. 

The maximum duration for each Return plan is 90 days. 

Should you choose Travel Protection for AirAsia? Pros and cons

Offers decent COVID-19 coverage, along with daily hospital cash benefits.
Scope of benefits and level of coverage is severely lacking in comparison to other travel insurance plans.
Likely the cheapest travel insurance plan you can find. 

When it comes to insurance, it’s basically a case of getting what you pay for. Sure, the premiums on Travel Protection by AirAsia are exceedingly low, but you’re really not getting much coverage in return. 

Getting this plan as a supplementary to boost your COVID-19 cover may not work also, as there are often clauses that prevent double claims on the same event, even if via two different policies. 

So where does that leave us? Well, if you aren’t severely constrained by budget, you’ll be better off with a more expensive, but more fully featured, travel insurance plan. 

How to claim?

Follow these steps when making a claim for Travel Protection for AirAsia.

  • Step 1: Prepare the necessary documents, including:
    • Claims from
    • Travel itinerary
    • Police report
    • Receipts and invoices
    • Hospital reports and medical bills
    • Personal details
  • Step 2: Submit your claims online at the AirAsia Travel Insurance claims portal
    • Enter your details
    • Upload your documents
    • Submit your claims online
  • For mail-in claims:
    • Download the claims form: Plus Plan, Lite Plan
    • Fill in the form and ensure you have the necessary supporting documents
    • Mail in your from and all supporting documents to
      • HL Assurance Pte Ltd 
      • 11 Keppel Road, #11-01 ABI Plaza, Singapore 089057

An ex-Financial Planner with a curiosity about what makes people tick, Alevin’s mission is to help readers understand the psychology of money. He’s also on an ongoing quest to optimise happiness and enjoyment in his life.


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