CIMB Bank has announced that changes will be made to the complimentary Berjaya SOMPO Air Flight Travel Personal Accident (PA) insurance offered to selected credit cardholders. Effective from 1 August 2025, the revisions will include updated benefit limits and changes to the list of credit cards eligible for coverage. Some benefits will be reduced or discontinued, while others will be introduced or improved.
Here is a detailed comparison of the existing and revised benefits:
Lower Coverage for Death or Permanent Disablement
One of the key changes[PDF] is a reduction in the insurance payout for death or permanent disablement. The current maximum benefit of RM1,000,000 will be revised down to RM300,000. This reduction applies to all eligible credit cards under the revised travel PA insurance from the implementation date.
New Medical and Travel Disruption Benefits Introduced
Several new benefits will be introduced under the revised insurance plan. These include coverage for medical expenses, with a maximum limit of RM25,000 for individuals and RM50,000 for families. In addition, trip curtailment and trip cancellation will be covered for the first time, with each benefit offering up to RM25,000 per family. These enhancements are intended to provide additional protection in cases of unexpected illness or changes in travel plans.
Higher Payouts for Loss of Money and Documents
The benefit for the loss of personal money and travel documents will be increased significantly. Under the current plan, individual coverage is capped at RM1,000, with a family limit of RM2,000. These limits will be raised to RM5,000 for individuals and RM10,000 per family under the revised insurance policy.
Several Existing Travel Benefits Will Be Discontinued
As part of the revision, a number of existing travel-related benefits will be discontinued. These include coverage for missed flight connections, travel delays, baggage delay, baggage loss, and missed departures. Other discontinued benefits include car rental excess, child care, and COVID-19-related allowances such as overseas hospital allowance and loss of deposit or trip cancellation due to the pandemic. These items will no longer be included in the new travel insurance offering.
Eligibility Limited to Selected Credit Cardholders
The revised travel PA insurance will only apply to specific CIMB credit cards. Eligible cards under the new terms include the CIMB Travel Platinum Credit Card, CIMB Visa Signature Credit Card, CIMB World Mastercard Credit Card, CIMB Travel World Credit Card, CIMB Visa Infinite Credit Card, and CIMB Preferred Visa Infinite Credit Card.
Several cards will no longer be eligible for complimentary travel insurance after 1 August 2025. These include the CIMB Platinum Credit Card, CIMB Petronas Platinum Credit Card, CIMB Cash Rebate Platinum Credit Card, and CIMB e Credit Card.
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