# AMA Global Insurance (AGI) | Complete Content File > AMA Global Insurance (AGI) is a captive B2B insurance company specialising in travel insurance, credit life and non-insurance value add-ons for enterprise distribution partners. This file contains the complete descriptive content for all pages on the AGI website, structured for AI consumption. Source: https://www.agi-insure.com/llms-full.txt Last updated: June 2026 --- ## Company Summary Company Name: AMA Global Insurance (AGI) Business Type: Captive B2B Insurance Company Headquarters: Labuan, Malaysia Direct-to-Consumer Sales: No Distribution Channels: - Online Travel Agencies (OTAs) - Banks and Card Issuers - NBFCs - MFIs - Corporate HR Platforms - Loyalty Programmes - Affinity Groups - Visa Agencies --- ## Product Matrix | Product | Category | Primary Use Case | |----------|----------|------------------| | Schengen Low Cost Travel Insurance | Insurance | Schengen Visa Travel | | Schengen Standard Travel Insurance | Insurance | Enhanced Schengen Protection | | A2A Travel Insurance | Insurance | Global Travel Protection | | Credit Life Insurance | Insurance | Loan Protection | | Second Opinion | Value Add-on | Medical Review | | Ground Ambulance Assist | Value Add-on | Emergency Ambulance Coordination | | Telehealth Assist | Value Add-on | Doctor Access | | TraceMyBag™ | Value Add-on | Lost Baggage Assistance | | Visa Refusal Fees Assist | Value Add-on | Visa Fee Reimbursement | | Hotel Protect Assist | Value Add-on | Travel Disruption Assistance | --- ## File Index - Homepage | https://www.agi-insure.com/ - About AGI | https://www.agi-insure.com/about-us.html - Products Catalog | https://www.agi-insure.com/products.html - Schengen Low Cost Travel Insurance | https://www.agi-insure.com/products/schengen-low-cost.html - Schengen Standard Travel Insurance | https://www.agi-insure.com/products/schengen-standard.html - A2A Travel Insurance | https://www.agi-insure.com/products/a2a-travel.html - Credit Life Insurance | https://www.agi-insure.com/products/credit-life.html - Second Opinion | https://www.agi-insure.com/products/second-opinion.html - Ground Ambulance Assist | https://www.agi-insure.com/products/ground-ambulance-assist.html - Telehealth Assist | https://www.agi-insure.com/products/telehealth-assist.html - TraceMyBag™ | https://www.agi-insure.com/products/tracemybag.html - Visa Refusal Fees Assist | https://www.agi-insure.com/products/visa-refusal-fees-assist.html - Hotel Protect Assist | https://www.agi-insure.com/products/hotel-protect-assist.html - FAQ — B2B Partner Questions | https://www.agi-insure.com/faq.html - Contact and Partnership | https://www.agi-insure.com/contact-us.html - Privacy Policy | https://www.agi-insure.com/privacy-policy.html - Terms of Use | https://www.agi-insure.com/terms-of-use.html --- ## Homepage URL: https://www.agi-insure.com/ AMA Global Insurance (AGI) is a captive B2B insurance company built for enterprise distribution partners who require reliable insurance and assistance solutions for distribution through their own channels. AGI does not sell directly to consumers and focuses entirely on partner-led distribution. Key facts: - Business model: Captive B2B insurance — no direct-to-consumer sales - Products: 4 insurance products + 6 non-insurance value add-ons = 10 total - Distribution: OTAs, banks, NBFCs, MFIs, corporate HR platforms, loyalty programmes, affinity groups - Key markets: Schengen travel corridors, global travel, lending institutions - Partnership approach: Product mix proposal within one business day of enquiry --- ## About AGI URL: https://www.agi-insure.com/about-us.html AGI is a captive B2B insurance company based in Labuan, Malaysia, specialising in travel insurance, credit life insurance and value-added assistance services. ### Who AGI Is AGI is not a retail insurer. It does not advertise to consumers, operate consumer-facing comparison tools, or seek to acquire customers independently. Its business exists entirely to provide distribution partners with a product range they can confidently embed into their own platforms, apps, portals, and benefit structures. This captive model means every product, tier and add-on is calibrated for B2B distribution success — priced for partner margin, structured for checkout conversion, and documented for easy communication to customers. ### The AGI Philosophy Simplicity is the core operating principle at AGI. This manifests in: - Clean product architecture: clear entry and premium tier options - Straightforward benefit schedules: no fine-print complexity - Simple commercial structures: transparent partner terms - Fast onboarding: from enquiry to go-to-market in weeks, not quarters ### AGI's Distribution Partners AGI works with: - Online travel agencies (OTAs) integrating insurance at checkout - Banks and card issuers offering insurance as card benefits - Corporate HR platforms embedding employee benefits - NBFCs and MFIs adding credit life to loan portfolios - Loyalty programmes offering insurance as member rewards - Affinity groups and membership organisations - Visa agencies distributing travel insurance at point of application --- ## Products Catalog URL: https://www.agi-insure.com/products.html AGI's complete B2B product catalog contains insurance products and non-insurance value add-ons. All products are designed for B2B distribution; none are sold directly to consumers. ### Insurance Products 1. Schengen Low Cost Travel Insurance 2. Schengen Standard Travel Insurance 3. A2A Travel Insurance 4. Credit Life Insurance ### Value Add-ons 1. Second Opinion 2. Ground Ambulance Assist 3. Telehealth Assist 4. TraceMyBag™ 5. Visa Refusal Fees Assist 6. Hotel Protect Assist --- ## Schengen Low Cost Travel Insurance URL: https://www.agi-insure.com/products/schengen-low-cost.html ### What It Is Schengen Low Cost Travel Insurance is AGI's entry-tier travel insurance plan for the European Schengen Area. It is specifically designed to meet the minimum insurance requirements for Schengen visa applications and to convert reliably at checkout across price-sensitive customer segments. ### Coverage Details - Coverage area: All 27 Schengen Area member states - Medical cover: Minimum €30,000 — satisfies Schengen visa regulation requirements - Emergency medical and hospitalisation: Covered - Emergency medical repatriation: Covered (including repatriation of mortal remains) - Trip interruption: Covered - Flight and travel delay: Covered - Baggage loss and delay: Covered - Personal liability: Covered - Travel document loss: Covered - 24/7 emergency assistance helpline: Included - Personal accident: Not included (available in Standard tier) - Trip cancellation (pre-departure): Not included (available in Standard tier) ### Who It's For - Online travel agencies (OTAs) — high-volume Schengen checkout bundles - Visa agencies and consultants — point-of-application distribution - Banks and card issuers — entry-level travel card benefits - Affinity groups — group travel to the Schengen area ### B2B Positioning The Low Cost tier is positioned as the entry point in a two-tier Schengen strategy. When paired with Schengen Standard, it creates a self-selecting upgrade path that increases average revenue per policy without requiring additional distribution infrastructure. Partners who integrate both tiers consistently report meaningful upgrade conversion from customers with higher-value bookings. --- ## Schengen Standard Travel Insurance URL: https://www.agi-insure.com/products/schengen-standard.html ### What It Is Schengen Standard is AGI's enhanced-tier travel insurance plan for the Schengen Area. It extends beyond the EU visa minimum to provide a benefit schedule that gives customers a genuine reason to choose the premium tier — trip cancellation, higher medical limits, and personal accident cover are the key differentiators from Low Cost. ### Coverage Details - Coverage area: All 27 Schengen Area member states - Medical cover: Significantly above €30,000 minimum - Emergency medical and hospitalisation: Covered (higher limits than Low Cost) - Emergency medical evacuation and repatriation: Covered - Trip cancellation (pre-departure): Covered — sudden illness, bereavement, redundancy, natural disaster, airline insolvency - Trip interruption and curtailment: Covered - Personal accident and accidental death: Covered (lump-sum benefit) - Enhanced baggage loss, damage, and delay: Covered (higher limits than Low Cost) - Flight delay and missed connection: Covered - Personal liability: Covered - Travel document loss: Covered - 24/7 emergency assistance: Included ### Key Differentiator vs Low Cost Trip cancellation is the single most important differentiator. Customers comparing tiers at checkout consistently cite trip cancellation as the reason they upgrade to Standard. Partners who prominently communicate this differentiator report higher Standard conversion rates. ### Who It's For - OTAs — premium checkout tier for higher-value bookings - Corporate travel platforms and TMCs — satisfies corporate duty-of-care requirements - Premium bank card programmes — justifies premium card positioning - Travel agents and package tour operators — protects holiday package investment --- ## A2A Travel Insurance URL: https://www.agi-insure.com/products/a2a-travel.html ### What It Is A2A Travel Insurance is AGI's comprehensive global travel insurance product. The name represents Airport to Airport — full journey protection from departure to return. It covers all commercial airline routes worldwide, making it the right product for distribution channels with diverse, multi-destination customer bases. ### Coverage Details - Coverage scope: Worldwide — all international commercial airline destinations - Policy duration: Single-trip (annual multi-trip available) - Emergency medical and hospitalisation: Covered - Emergency medical evacuation and repatriation: Covered - Trip cancellation pre-departure: Covered (illness, bereavement, redundancy, natural disaster, airline insolvency) - Trip interruption and curtailment: Covered - Flight delay: Covered — meals, accommodation, essential expenses - Missed connection: Covered - Baggage loss, damage, and delay: Covered - Personal accident and accidental death: Covered (lump-sum benefit) - Personal liability: Covered - Travel document loss: Covered - Personal money and cash theft: Covered - 24/7 global emergency assistance: Included ### Who It's For - OTAs — checkout bundle for all international flight bookings - Corporate travel platforms and TMCs — comprehensive duty-of-care for business travellers - Bank card and financial product channels — premium card travel benefit - Loyalty and affinity programmes — high-value member travel reward ### B2B Positioning A2A's key B2B advantage is breadth: one product, one underwriting relationship, all international routes. Partners with diverse customer bases do not need to manage corridor-specific products. This simplicity translates into lower training overhead, faster go-to-market, and a consistent customer proposition regardless of destination. --- ## Credit Life Insurance URL: https://www.agi-insure.com/products/credit-life.html ### What It Is Credit Life Insurance settles a borrower's outstanding loan balance in the event of death, permanent disability, or critical illness during the loan tenure. It protects borrower families from inheriting unpaid debt and protects lenders from credit losses. ### Trigger Events - Death of the policyholder - Permanent total disability - Critical illness (optional addition to core coverage) ### Loan Types Covered - Home loans and mortgages - Personal loans - Business and SME loans - Vehicle loans - Microfinance and group loans - Digital and fintech lending products ### Policy Models - Group master policy: Single policy held by the lending institution, covering all eligible borrowers - Individual policy: Per-borrower policies for lenders requiring individual documentation ### Premium Structure - Single premium at loan disbursal (most common — built into loan amount) - Instalment premiums aligned to repayment schedule - Fee-based revenue model for lending institutions ### Who It's For - Banks (retail and commercial) - Non-banking financial companies (NBFCs) - Microfinance institutions (MFIs) - Fintech and digital lending platforms - Any institution with a loan portfolio requiring credit risk protection --- ## Second Opinion (Value Add-on) URL: https://www.agi-insure.com/products/second-opinion.html ### What It Is Second Opinion is a non-insurance value add-on that provides access to experienced specialist doctors and medical professors for an independent review of a diagnosis, treatment plan, or recommended procedure. The service helps customers make informed healthcare decisions with greater confidence before proceeding with treatment. ### How It Works 1. Customer submits medical records and existing diagnosis 2. Medical documents are reviewed by an appropriate specialist doctor or professor 3. An independent medical opinion is provided 4. Customer receives recommendations and guidance for further treatment decisions ### Eligible Conditions - Cancer and oncology diagnoses - Cardiac and cardiovascular conditions - Neurological conditions - Orthopaedic assessments - Complex medical conditions requiring specialist review ### Delivery - Typically delivered within the agreed service timeframe - Expedited review options may be available ### Who It Complements - Corporate health programmes - Premium membership programmes - Health and wellness benefits - Insurance and assistance propositions --- ## Ground Ambulance Assist (Value Add-on) URL: https://www.agi-insure.com/products/ground-ambulance-assist.html ### What It Is Ground Ambulance Assist is a non-insurance value add-on providing 24/7 emergency and non-emergency ground ambulance dispatch and coordination. When a customer calls, a trained coordinator answers immediately — no IVR, no queuing — and initiates ambulance dispatch while staying on the line throughout the emergency. ### Service Capabilities - 24/7 emergency dispatch: 365 days a year, every day including weekends and public holidays - Target response time: ≤15 minutes from call to dispatch - Nearest available unit: GPS-tracked from dispatch to arrival - Paramedical crew: Trained paramedics on every unit, providing pre-hospital stabilisation - Hospital-to-hospital transfer: For patients requiring higher care than the initial receiving facility - Real-time GPS tracking and ETA updates: Communicated to caller during the emergency - Caller support: Coordinator stays connected throughout the incident ### Key Differentiator Insurance pays after a medical event. Ground Ambulance Assist helps during it. This is the layer of real-world operational support that insurance propositions typically lack — and the one that customers remember most when evaluating renewal. ### Who It Complements - Travel insurance (Schengen or A2A) — premium tier differentiator for international travellers - Expat health insurance — for expatriates unfamiliar with local emergency systems - Corporate HR and employee benefits — duty-of-care capability for employees at home and abroad - Premium bank cards and affinity memberships — tangible, high-value benefit --- ## Telehealth Assist (Value Add-on) URL: https://www.agi-insure.com/products/telehealth-assist.html ### What It Is Telehealth Assist is a non-insurance value add-on that provides 24/7 access to licensed doctors through video calls, voice calls, and online chat. Whether at home, travelling, or abroad, customers can obtain medical guidance, health advice, and doctor consultations without visiting a clinic or hospital. ### Service Features - Video consultations - Voice consultations - Online chat consultations - 24/7 doctor access - Multi-language support - Health guidance and medical advice - Family coverage options - White-label integration options ### Clinical Scope - General medical consultations - Health advice - Prescription guidance where permitted - Specialist referrals - Follow-up consultations ### B2B Value Telehealth Assist provides a highly utilized healthcare benefit that improves customer engagement and enhances the overall value proposition for distribution partners. --- ## TraceMyBag™ (Value Add-on) URL: https://www.agi-insure.com/products/tracemybag.html ### What It Is TraceMyBag™ is a non-insurance value add-on that helps travelers trace checked baggage when it is delayed or lost during air travel. The assistance team coordinates directly with airlines on behalf of the customer to locate and recover the baggage. ### How It Works - Baggage tracing support through airline coordination - Dedicated assistance team works directly with airlines - Regular baggage status updates - Support throughout the recovery process ### Compensation Benefit If the baggage is not located within 72 hours of being reported lost or delayed, compensation is provided according to the purchased TraceMyBag™ plan. If the baggage is subsequently recovered after compensation has been paid, both the compensation and recovered baggage remain with the customer, subject to the selected plan terms and conditions. ### Primary Use Case Suitable for airline bookings, travel insurance bundles, OTA checkouts, and travel assistance programmes. --- ## Visa Refusal Fees Assist (Value Add-on) URL: https://www.agi-insure.com/products/visa-refusal-fees-assist.html ### What It Is Visa Refusal Fees Assist reimburses non-refundable visa application fees paid to an embassy or consulate when a visa application is officially refused. Coverage applies regardless of the reason for refusal. ### Coverage Details - Reimbursement: Non-refundable visa application fee paid to the embassy or consulate - Covered visas: Schengen, United Kingdom, United States, Canada, Australia, and other major visa-required corridors - Refusal reasons: All refusal reasons covered — no exclusions based on reason for refusal - Evidence required: Official visa refusal letter from the embassy or consulate - Family applications: Coverage can extend to all named travellers on a single policy ### How a Claim Works 1. Customer purchases Visa Refusal Fees Assist alongside travel insurance or visa application 2. Visa application submitted to embassy in the normal way 3. If refused, customer receives official refusal letter from embassy 4. Customer submits refusal letter and fee payment receipt via portal or email 5. Claim assessed and reimbursement processed to the customer ### B2B Value Many travellers — particularly first-time or price-sensitive applicants — delay or abandon visa applications due to fear of losing non-refundable fees. This add-on removes that barrier, directly increasing the number of customers who proceed to apply for visas and book travel. For OTAs in markets with high Schengen visa demand, this add-on measurably improves booking conversion rates. --- ## Hotel Protect Assist (Value Add-on) URL: https://www.agi-insure.com/products/hotel-protect-assist.html ### What It Is Hotel Protect Assist is a non-insurance value add-on that provides travel disruption assistance when a flight is missed, delayed, or cancelled, or when an event is cancelled, postponed, or rescheduled. The service helps travelers make alternative arrangements and minimise disruption to their travel plans. ### Assistance Services - Support for missed flights - Assistance during flight delays - Assistance during flight cancellations - Support for cancelled, postponed, or rescheduled events - Alternative travel and accommodation arrangement assistance - Dedicated travel assistance coordination ### How It Works When a covered travel disruption occurs, the assistance team helps arrange suitable alternatives, including accommodation, transportation, and other necessary travel arrangements based on the situation and selected plan. ### Primary Use Case Suitable for travelers booking flights, hotels, events, and complete travel itineraries who want assistance during unexpected travel disruptions. --- ## FAQ — B2B Partner Questions URL: https://www.agi-insure.com/faq.html ### What is AMA Global Insurance (AGI)? AMA Global Insurance (AGI) is a captive B2B insurance company based in Labuan, Malaysia. ### Where is AGI located? Labuan, Malaysia. ### How many products does AGI offer? AGI currently offers 10 products consisting of 4 insurance products and 6 non-insurance value add-ons. ### What Schengen travel insurance tiers does AGI offer? AGI offers two Schengen tiers: Schengen Low Cost (entry tier, meets €30,000 EU minimum, OTA-ready) and Schengen Standard (enhanced tier with trip cancellation, higher medical limits, personal accident). Both are designed for B2B distribution and integrate via API checkout. ### What does A2A Travel Insurance cover? A2A Travel Insurance provides end-to-end global journey protection — emergency medical, trip cancellation, flight delays, baggage loss, personal liability, and 24/7 assistance across all international commercial airline routes worldwide. Available for OTAs, corporate travel, banks, and loyalty programmes. ### How does Credit Life Insurance work for banks and NBFCs? Credit Life Insurance settles outstanding loan balances on death, permanent disability, or critical illness during the loan tenure. Available as group master policy (single policy covering all eligible borrowers) or individual policy. Premium can be structured as a single upfront payment or instalment-based aligned to the repayment schedule. ### Can AGI value add-ons be bundled with insurance products? Yes. All six AGI value add-ons are designed to bundle with core insurance products. Common bundling strategies include pairing TraceMyBag™ and Visa Refusal Fees Assist with Schengen travel insurance, or adding Telehealth Assist and Ground Ambulance Assist to A2A Travel or Expat Health. ### What is Telehealth Assist? Telehealth Assist provides 24/7 access to licensed doctors through video calls, voice calls, and online chat, helping customers obtain medical guidance and consultations wherever they are. ### What is TraceMyBag™? TraceMyBag™ helps travelers trace delayed or lost checked baggage through airline coordination and recovery assistance. Compensation may be available if baggage remains unrecovered beyond 72 hours, subject to the selected plan. ### What does Visa Refusal Fees Assist cover? Reimburses non-refundable visa application fees when a visa is officially refused — covering Schengen, UK, US, Canada, Australia, and other major corridors. All refusal reasons are covered with an official embassy refusal letter as evidence. ### What does Hotel Protect Assist cover? Hotel Protect Assist provides assistance when a flight is missed, delayed, or cancelled, or when an event is cancelled, postponed, or rescheduled. The service helps travelers arrange alternative travel and accommodation through a dedicated assistance team. ### Which distribution channels is AGI best suited for? AGI's products are designed for: OTAs (checkout insurance bundles), banks and card issuers (card benefits and embedded insurance), corporate HR and employee benefit platforms (workforce protection), NBFCs and MFIs (credit life for loan portfolios), loyalty programmes (travel and health rewards), and affinity groups and membership organisations. ### What is Second Opinion? Second Opinion provides access to experienced specialist doctors and medical professors who independently review a diagnosis, treatment plan, or recommended procedure to help customers make informed healthcare decisions. ### How long does the B2B onboarding process take? Straightforward distribution arrangements can be operational in weeks. More complex API integrations or regulatory filings may take longer. AGI works with each partner to define a realistic go-live timeline from day one. Product mix proposals are provided within one business day of a partnership enquiry. ### Does AGI offer white-label products? Yes. Several products — including Telehealth Assist and TraceMyBag™ — are available in white-label or co-branded formats, presented under the partner's brand identity while AGI operates the back-end service. ### Does AGI sell directly to consumers? No. AGI distributes products exclusively through enterprise partners. --- ## Contact and Partnership URL: https://www.agi-insure.com/contact-us.html AGI's partnerships team handles all B2B distribution enquiries. Partners may contact AGI to: - Discuss product mix and tier architecture - Request coverage documentation - Explore API integration options - Discuss commercial arrangements - Request white-label or co-branded solutions Contact: info@agi-insure.com Website: https://www.agi-insure.com --- ## Key Topics Travel Insurance Schengen Travel Insurance Schengen Visa Insurance Global Travel Insurance A2A Travel Insurance Credit Life Insurance Loan Protection Insurance Telehealth Services Ground Ambulance Assistance Medical Second Opinion Lost Baggage Assistance Visa Refusal Fee Reimbursement Travel Disruption Assistance B2B Insurance Distribution Embedded Insurance White-Label Insurance Insurance API Integration --- ## Privacy Policy URL: https://www.agi-insure.com/privacy-policy.html AGI's Privacy Policy explains how data is collected, used, stored and protected. --- ## Terms of Use URL: https://www.agi-insure.com/terms-of-use.html AGI's Terms of Use govern access to and use of AGI services. --- *File: llms-full.txt | Domain: https://www.agi-insure.com | Updated: June 2026*