Kurnia Travel Supreme (Kurnia (Liberty General Insurance)) explained: benefits, limits and the fine print
Kurnia's family-friendly travel plan pairs a RM1 million evacuation benefit with per-person and per-family limits. Here is how the cover is structured.
Kurnia Travel Supreme, sold by Kurnia (Liberty General Insurance), is a conventional travel insurance plan built for both solo travellers and families, with the insurer's own published material putting particular emphasis on its emergency medical evacuation benefit. Here is what the plan covers according to that material, and what to check before assuming a figure applies to your trip.
What this plan is
The plan is offered in individual and family variants and covers international travel, including trips between Peninsular and East Malaysia. Kurnia's product page does not publish a fixed premium, since pricing depends on trip length, destination and the number of travellers on a family plan.
What it covers
According to the insurer's published benefits, overseas medical expenses are covered up to RM400,000 per person for travellers up to age 70, reducing to RM200,000 for those above 70, with a family aggregate limit of RM1,200,000. Emergency medical evacuation is covered up to RM1,000,000 per event, which the insurer positions as one of the plan's headline features. Trip cancellation, described as loss of deposit, is covered up to RM20,000 per adult or child and up to RM60,000 per family. Baggage and personal effects are covered up to RM5,000 per person and RM15,000 per family, with delayed baggage also covered. Accidental death cover for adults is set at RM300,000, and personal liability is covered up to RM1,000,000 for an individual or RM3,000,000 for a family. Travel delay pays RM250 for every complete consecutive six hours of delay. Additional benefits listed include curtailment, compassionate visitation, home contents cover while you are away, and rental car return cover, alongside a 24-hour travel assistance line.
What's typically excluded and what the fine print governs
The figures above come from the product page summary; the product disclosure sheet and policy wording contain the actual definitions, exclusions and claims conditions, including how "emergency" is defined for the evacuation benefit and what qualifies for the compassionate visitation and curtailment benefits. As with any travel policy, expect standard exclusions for undeclared pre-existing conditions and events such as war or civil unrest. Where a figure in the disclosure sheet or policy wording differs from the product page, the disclosure sheet and wording are what actually apply to a claim.
What any traveller should check in general
The gap between the RM1,000,000 evacuation limit and the RM400,000 medical limit on this plan is a useful reminder that these two benefits are priced and limited separately on most travel policies, and it is worth checking both figures individually rather than assuming a high headline number covers everything. It is also worth confirming whether the family aggregate limits, RM1,200,000 for medical and RM60,000 for cancellation, are enough if several family members need to claim from the same trip.
Figures can change
All figures in this article are drawn from Kurnia's own published product page and disclosure sheet as retrieved in August 2026. Insurers update pricing and benefit tables from time to time, so confirm the current terms directly with Kurnia (Liberty General Insurance) or an authorised agent before purchasing, and treat the product disclosure sheet and policy wording, not this article, as the governing documents for any certificate you buy.
Talk to an advisor
Family travel plans need checking against the actual number of travellers and the trip length, not just the headline per-person figures. Compare travel options through our travel comparison, or speak with an advisor from our directory before booking your next family trip.
Sources
This content is educational information from a licensed advisor, not financial advice. Product details vary by insurer — verify specifics with an advisor.
