Re-Claim’s High-End Medical Expenses Cover Explained

What is Re-Claim High-End Medical Expenses Cover?

Peter Davis Explains Re-Claim’s High-End Medical Expenses Cover

Peter Davis knows what it takes to get the best out of himself. Pushing himself to the edge; training, sweating, bleeding.

He also knows he needs the best cover possible. Having a proper high end medical expenses cover is part of it.

In a career spanning more than a decade, Peter has pushed the boundaries of physical and mental pain. Training to near exhaustion to ensure he’s in peak condition to claim victory.

Whether he’s training for his next fight, mountain biking through Bukit Kiara or maintaining his general fitness, Peter goes full throttle.

So, when an accident or injury happens, he needs the best treatment possible and a high-end medical expenses cover.

Re-Claim is a high-end accident product for sports enthusiasts offering higher medical coverage than traditional Personal Accident plans as well as access to medical treatments from leading specialists.

high end medical expenses cover

This includes cover for:

Accidental Death and Permanent Disability

Medical Expenses up to RM750,000 incurred due to hospitalisation as a result of a sports accident up to 180 days.

Reconstructive Surgery

Hospital cover including hospital admission card that gives you cashless and hassle-free check-in and discharge at our panel medical hospitals.

For Peter, it’s a simple decision to choose Re-Claim.


Re-Claim is Malaysia’s next-level, comprehensive sports accident insurance plan.

To read more about our unique benefits go to

How to prepare your bike for an international cycling event

Planning to travel overseas for an upcoming cycling, triathlon or duathlon event?

Team Re-Claim’s Jason Loh details the process involved in transporting your bike overseas for an international competition.

Cycling enthusiast Jason Loh

STEP 1 — Before travelling overseas

  • Send your bike for a service to ensure it is in top condition.
  • Make sure all tools required to assemble and dissemble the bike are packed and ready to go (allen key set, pedal wrench, torque wrench).
  • Bring appropriate wheels relevant to the course, elevation and road condition.
  • Get a decent bike travelling bag.
  • Remove necessary components of the bike to fit it in the travelling bag (handle bar, seat post, pedals, wheels).
  • Before removing these parts, make sure the original positions of these components are marked in the correct position so you can reassemble accurately.
  • Use sponges or bubble wrap to protect the bike frame and reduce the chances of scratches and other damage.
  • If possible, remove the rear derailleur and hangar from the frame to reduce the chances of being bent from external forces.
  • Use newspaper or unused cloth to wrap the chain to prevent contact with other objects.
  • Deflate the tyre pressure of the wheels.
  • Ensure there are no hanging parts, loose components after placing the bike into the bike bag.
  • Bring your cycling helmet, cycling shoes, water bottles, bike pump, spare tubes and tyres, pitstop sealant for races, water canisters, tyre lever, chain lube, cable tie, rubber band, portable pump, LED blinker and other equipment you may need.
  • Know the weight of the bike bag. Make sure you have bought enough baggage allowance for the bike bag.
  • Zip and lock it up. Ensure the bike bag has your personal information in case it is lost at the airport.


Pack cycling equipment to assemble bike

Now you’re ready to go!

STEP 2 — Upon arrival at race destination

  • Once you get your bike from the airport carousel, quickly check it for damage and notify airline management if there are any problems.
  • At your hotel, find an area that has extra space for you to assemble the bike.
  • When assembling, ensure components and parts are back into their original position according to the markings.
  • Make sure screws and bolts are tightened according to the recommended torque shown on the torque wrench.
  • Inflate the wheels and make sure the wheels are in good condition.
  • If there is any damage, you will need to find spare parts quickly and resolved the issue as soon as possible.
  • Lube the chain. Make sure it is well-lubed and smooth.
  • Go for a quick spin outside the hotel, check the gear shifts and make sure the shifting is good and the riding position is in its original place.


Organise your cycling equipment in advance

Time for the big day. Need to dot the I’s and cross the T’s.

STEP 3 — Race day

  • Ensure seat post and helmet has your race number sticker.
  • Make sure your bottles are filled with water or energy drinks and are placed in their holders.
  • Inflate wheels again.
  • Bring running shoes, helmet, cycling shoes, slippers, towel, goggles, spare goggles, race bib, swim cap, energy gels, sunglasses, visor, bike tools, spare tyre, water canisters, pitstop sealant, masking tape and put into a bag.
  • Cycle to the race venue early to set up your transition spot so that you have ample time to set up without rushing.


Race day preparation is important

And then you’re set for the start line. Good luck and never give up.

Re-Claim provides 24/7, worldwide cover for sports accidents and injuries including equipment cover and international cover for emergency medical evacuation and medical treatment in the case of a sports accident overseas.

Follow Jason on his Journey here 

For more information go to

#TeamReClaim #AreYouCovered #WeGotYourBack

5 Smart Travel Tips For Competing Overseas With Shahrom Abdullah

5 Smart Travel Tips For Competing Overseas With Shahrom Abdullah

Here’s  Shahrom Abdullah with a few expert travel tips for competing overseas

Re-Claim: Shahrom, how important is preparation and doing the correct planning before you leave for competing overseas?

Shahrom: Preparation is key. Book your flights as early as possible to save costs and aim to reach your destination at least three to four days before the race, especially if you are racing in different time zones and different weather. Getting over jet lag and adjusting to warmer or cooler weather can take time.

Your lodging should ideally be close to the race site and within cycling or running distance to avoid stress in the morning of the race. If you’re staying far away, make sure you know the route to the race start and give yourself enough time to allow for traffic and road closures on race morning.

travel tips for competing overseas preparation


Re-Claim: Great! And what about your equipment?

Shahrom: If you bring your bike for competing overseas make sure your bicycle is race ready. It is worth the effort to learn how to pack, set up and tune your own bike, especially if you travel a lot for races. Always send your bike for service or tuning before packing it up to head overseas. The last thing you want is a mechanical problem on the bike after spending months training for your race.

travel tips for competing overseas equipment stored


Re-Claim: You mentioned adjusting to local time is important. How do you combat jet lag when competing overseas?

Shahrom: Jet lag is very likely when you are on long flights and the further you travel, the worse it gets. Try to adjust to local time as soon as possible. If you’re exhausted upon arrival, stay up until the evening.

travel tips for competing overseas adjust sleep patterns


Re-Claim: As a triathlete, you have a lot of clothes, accessories and equipment to bring? Does any of it go missing?

Shahrom: You need to organise your gear. The night before the race, lay out all your equipment and accessories and go through your checklist. For easier sorting, put related items in separate bags.

travel tips for competing overseas organise gear


Re-Claim: And diet is important. You can’t rely on airplane food to get you through?

Shahrom: Staying hydrated is the easiest way for your body to cope with travel, especially on flights where the atmosphere is dry. Always have a water bottle with you to sip throughout your journey. As for food, stick to normal and simple food. Try to minimise junk food intake as this will just add to your lethargy.

travel tips for competing overseas stay hydrated


Shahrom Abdullah is an elite athlete and adventurer, who in January 2016 became the first Malaysian to conquer the South Pole, trekking and skiing for 37 days.

You can contact Shahrom on his Facebook page

Stay tuned for more Team Re-Claim tips via Facebook & Instagram

Join Team Re-Claim to receive cover for sports accidents and injuries 24/7, worldwide.

For more information go to

#TeamReClaim #AreYouCovered #WeGotYourBack

Re-Claim International Sports Accident Cover With Shahrom Abdullah

“What happens if I have an accident overseas?”


International Sports Accident Cover explained by Shahrom Abdullah

Shahrom Abdullah is an athlete and adventurer. He travels all across the world to compete and pushes his limits like no one else.

After a successful career as an elite triathlete, Shahrom decided to turn his attention to adventure racing and other superhuman feats.

In January 2016, Shahrom became the first Malaysian to conquer the South Pole, trekking and skiing for 37 days. It normally takes most other people 50 to 60 days. His only injury?

“I got a bit of frostbite on my right cheek. I had to rub some hot water on it,” he says.

Talk about tough!


International sports accident cover Shahrom Abdullah


But when it comes to preparation, Shahrom is extra careful.

That’s why he is with Re-Claim.

He knows that if something goes wrong overseas, he has the necessary protection to support his family.

With Re-Claim’s international sports accident cover, if you have an accident overseas which requires emergency evacuation, you will receive helicopter and medical evacuation from the site of the accident, as well as hospital cover and repatriation and transport to the nearest hospital or back home to Malaysia, whichever is appropriate.

What’s more, if you require treatment overseas, you can undergo surgery abroad without worrying about additional costs. We work with your other insurances and pay when your standard medical cover stops paying.

“I can compete and travel overseas for sporting adventures without out having to worry about what would happen if I have an accident,” says Shahrom


On top of that, Re-Claim international sports accident cover not only covers you for overseas treatment as a result of an accident in another country, but we’ll also cover you for treatment overseas if it is recommended by the attending doctor in Malaysia that you be transferred to a hospital outside of Malaysia for specialist treatment.

All you need to do is prove that the treatment, assistance or aid required overseas is not possible in Malaysia.

We will review and approve the necessity of the overseas treatment and top up or pay the full amount of your medical bill.

So, if you rack up the frequent flyer points like Shahrom, contact us today to see how you can enjoy 24/7, worldwide cover.

Re-Claim is Malaysia’s next-level, comprehensive sports accident insurance plan. To read more about our unique benefits go to

Team Re-Claim — #WeGotYourBack

You can contact Shahrom on Facebook

6 Gruelling Events To Challenge Your Willpower

6 Gruelling Events To Challenge Your Willpower

Whether you’re a sports enthusiast or fitness fanatic we know how hard you push your body. Here’s six of the most gruelling running, trekking, swimming and cycling events in Southeast Asia.

1. HK168
What: 168km Ultra-Endurance race
When: November 5, 2016
Where: Pam Ta Chung, Hong Kong

Not for the faint hearted. Look to the hills of Hong Kong for a true test of your aerobic endurance. Trail running requires the use of more muscle groups and burns energy stores faster than when running on hard surfaces. Navigating the steep hills as well as soft tracks during the HK168 means that you are going to need to be at your best to beat this beast.

2. IRONMAN Malaysia
What: 3.8km swim, 180km bike, 42.2km run
When: November 11, 2016
Where: Langkawi, Malaysia

Don’t be fooled by its idyllic backdrop, IRONMAN Langkawi is a race that will test even the most hardened of athletes. Elite nutritional preparation, physical training and logistical planning is essential if you want to master this challenge. The course will decimate your energy stores and can cause serious overuse injuries.

3. Singapore Marathon
What: 42.2km road race
When: December 3, 2016
Where: Singapore

This is a must for anyone looking to test themselves against the elements and their own capabilities. With an average December humidity of 83 per cent you’ll have to monitor your fluid levels closely throughout the event. Over-hydration is just common as the body struggles to maintain sodium balance, so nutrient management before the race is key for ensuring a safe and rewarding run.

4. Relentless Endurance Run
What: 4-hour, 6-hour, 12-hour and 24-hour
When: February, 2017
Where: Chiang Mai, Thailand

Fancy a real challenge? Pit yourself against your greatest adversary: You! Unlike traditional Ultra-Marathons, the RER is a race against time and your own limits. Competitors complete as many laps around the picturesque 3.7 km course in the allotted time. The focus of RER is on setting goals and achieving what you previously thought impossible.

5. Titi 100
What: 50km, 100km and 200km Ultra-Marathon
When: March, 2017
Where: Kuala Lumpur

Challenge your willpower Xtrerra Malaysia willpower challenge

Billed as “the toughest ultra-race in Malaysia”, the exclusive Titi 100 won’t allow you to race the larger distances if you haven’t already proved yourself over a shorter journey, either at a previous Titi or other event. With limited starting numbers and a growing fan-base, this spectacular Ultra-Marathon takes (and delivers) some serious beating.

6. Xterra Malaysia
What: 1.5km swim, 30km mountain bike, 10km trail run  When: May, 2017
Where: Langkawi, Malaysia

Bored of the tarmac? Xterra offers your body and mind a fresh challenge as it pits you against the lush forests of Langkawi. The rocky and uneven course calls upon competitors to recruit stabilising muscles normally outside of the traditional running framework. As such, Xterra will test your physical and mental limits.

We’re Re-Claim, and we’ve got your back. No matter where you are in the world, if you push the boundaries and an accident or injury happens, we have you covered.

Check in with your current insurance provider to see what you are covered for?

Find out more at 

#WeGotYourBack #AreYouCovered

What To Do When You Survive a Shark Attack… And How Re-Claim Can Help?

What To Do When You Survive a Shark Attack… And How Re-Claim Can Help?

Imagine being mauled by a two-metre shark while overseas and then being required to fund your own transfer and treatment to a specialist hospital in another country?

Meet American surfer, and shark attack survivor Ryan Boarman who was attacked while surfing in Bali on April 25.

Boarman was admitted to a local hospital in the west of Bali after “suffering a 360-degree laceration around the elbow, with the shark biting, pulling off and shearing away at least eight muscles and tendons and injuring one nerve and one ligament”, media reports say.

Following emergency surgery, he was transferred to a larger hospital in the Balinese capital of Denpasar. Boarman was then advised to travel to Singapore to be evaluated by specialists at Raffles Hospital to see if he required further surgery.


The only problem — he was told he had to fund the medical evacuation himself.

This is where he wished he had Re-Claim.

Without a sports accident insurance plan, Boarman — via the assistance of the family — set up a GoFundMe campaign to raise the US$35, 000 needed to cover the transfer expenses to Singapore and to cover any medical expenses not covered by his ‘Other Insurances’.

Boarman’s father, Dr Bill Boarman, a wildlife research scientist, told media on May 4, “It’s still not clear on what it’s (the US$35,000) going to cover. Usually, they (insurance companies) don’t cover transport. Usually they will cover medical expenses, but they haven’t told us if they’re going to. And other associated recovery expenses won’t be covered. So the campaign will help with transport here and all the way home,” he said.


shark attack - travel insurance

What a pain!

If he was with Re-Claim, Boarman would have received emergency evacuation and repatriation back home once he had been given the all clear by doctors. He would have also been covered for his treatment.

At Re-Claim, we work with your ‘Other Insurances’ and pay when your standard medical cover stops paying — topping up your excess so, in a circumstance like Boarman’s, you can undergo surgery in Singapore without worrying about additional costs.

Boarman had one more surgery under the watchful eye of orthopaedic surgeon Dr Lim Yeow Wai on April 29 and is now back home in San Diego where he will continue his rehabilitation. While it’s a long road to recovery, he only has to look at fellow surfer Bethany Hamilton for a bit of inspiration.

At just 13, Hamilton lost her arm — and a shocking 60 per cent of the blood in her body — when she was attacked by a shark while surfing off the coast of Kauai in Hawaii. Incredibly, she survived the attack.

Despite her injuries, Hamilton didn’t give up on her surfing dreams and started competing professionally four years later. In 2010, she was ranked in the top 20 female surfers in the world and won the 2014 Surf ‘n’ Sea Pipeline Women’s Pro.

It’s proof that true athletes will do anything they can to get back into action.

Re-Claim is Malaysia’s next-level, comprehensive sports accident insurance plan designed for all hard-core fitness and sports enthusiasts — people who know their limits and go beyond them.

You will see upfront what we cover and what we don’t, so you’ll never get that rude surprise when a sports accident like Hamilton’s or Boarman’s happens.

Watch our 2 min presentation on Re-Claim at for more information on our unique Re-Claim benefits including evacuation and overseas treatment for sports injuries and accidents.

Also check our FAQ section so you’ll never be in the dark about Re-Claim.

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