Real Travel Insurance Claim: RM120,000 Medical & Helicopter Evacuation in Switzerland
by AdminInsurance may look like just a document.
But its real value only appears when something unexpected happens.
Recently, one of our customers experienced an accident while travelling in Switzerland. Thankfully, she had purchased travel insurance before the trip.
When the incident happened, she immediately contacted both me and the insurance company’s emergency hotline for assistance.
After assessing the situation, the emergency team arranged for helicopter evacuation to send her to the nearest hospital for treatment.
Medical treatment overseas can be extremely expensive, especially in Europe.
The total claim amount for this case was more than RM120,000, which included:
• Overseas hospital medical expenses
• Helicopter evacuation to hospital
• Follow-up medical treatment after returning to Malaysia
During the claim process, there were some unexpected challenges, and part of the claim was initially rejected by the insurance company.
However, I assisted the customer by submitting an appeal and providing additional explanation and documents to the insurer.
After further review, the claim was approved according to the policy coverage.
From the date of the incident until the full claim payout, the entire process took about 6 months.
*Claim documents and medical evidence related to the case.
(Some personal information has been removed for privacy.)
What This Case Reminds Us
Travel insurance is not only for major accidents.
It provides financial protection and assistance when unexpected situations happen overseas.
Medical treatment in foreign countries can easily cost tens of thousands of ringgit. Without insurance, travellers may need to pay all these costs themselves.
Why Travel Insurance Matters
✔ Overseas medical treatment can be very expensive
✔ Emergency evacuation services may be required
✔ Insurance assistance helps coordinate treatment overseas
✔ Claim support helps customers navigate the process
✔ Financial protection during unexpected situations
A Reminder for Travellers
Before travelling, always make sure:
• Your travel insurance is active
• Your coverage matches your travel destination
• If you plan to visit high altitude areas or participate in adventure activities, remember to add coverage for dangerous sports or high-altitude activities
• Consider additional benefits such as pandemic coverage, flight delays, and travel disruptions
Travel with peace of mind — good preparation makes a big difference.
Different insurance plans provide different benefits. Coverage depends on the terms and conditions of each policy.