Travel Insurance

Table of Cover

		Maximum benefit (S$) for each Trip
		Essential		Superior
		Per insured person	Family Total¹	Per insured person	Family Total¹
Section 1	Trip cancellation
	Overall section limit	$5,000	$15,000	$10,000	$30,000
Section 2	Trip postponement
	Overall section limit	$5,000	$15,000	$10,000	$30,000
Section 3	Trip curtailment
	Overall section limit	$5,000	$15,000	$10,000	$30,000
	Limit for extra expenses to return to Singapore	$1,000	$15,000	$2,000	$30,000
Section 4	Trip disruption
	Overall section limit	$1,000	$3,000	$2,000	$6,000
	Limit for accommodation expenses per room per night	$300	$3,000	$300	$6,000
Section 5	Travel delay
	Overall section limit	$800	$2,000	$1,200	$3,000
	For every six hours of delay while Overseas
	Adult	$100		$100
	Child	$50		$50
	After six hours of delay while in Singapore
	Adult	$150		$150
	Child	$50		$50
Section 6	Missed connections	$100	$600	$200	$900
Section 7	Overbooked flight	$100	$600	$200	$900
Section 8	Insolvency of travel agency	$2,000	$6,000	$4,000	$12,000
Section 9	Baggage delay
	Overall section limit	$1,200	$2,400	$2,000	$4,000
	For every six hours of delay while Overseas
	Adult	$200		$200
	Child	$50		$50
	Baggage delay after six hours when arriving in Singapore
	Adult	$200		$200
	Child	$50		$50
Section 10	Loss or damage of baggage and personal belongings
	Overall section limit	$1,000	$2,500	$1,000	$2,500
	Limit for laptop	$500		$800
	Limit of watches, valuables and jewellery in total	$200		$500
	Limit for other items (for each item, set or pair)	$200		$500
Section 11	Losing travel documents
	Overall section limit	$3,000	$7,500	$5,000	$12,500
	Limit for accommodation expenses per room per night	$400	$7,500	$400	$12,500
Section 12	Personal accident
	Adult 70 years old or over	$100,000	$500,000	$150,000	$1,250,000
	Adult under 70 years old	$200,000		$500,000
	Child	$100,000		$150,000
Section 13	Medical expenses overseas
	Limit for medical aids and equipment	$1,000	$600,000	$1,500	$1,400,000
	Adult 70 years old or over	$50,000		$100,000
	Adult under 70 years old	$200,000		$500,000
	Child	$100,000		$200,000
Section 14	Medical expenses in Singapore
	Limit for medical aids and equipment	$1,000	$15,000	$1,500	$30,000
	Adult 70 years old or over	$1,000		$2,000
	Adult under 70 years old	$5,000		$10,000
	Child	$5,000		$10,000
Section 15	Overseas hospital allowance
	Overall section limit	$3,000	NA	$6,000	NA
	Benefit per day	$100	NA	$200	NA
Section 16	Emergency medical evacuation
	Adult 70 years old or over	$100,000	$1,250,000	$200,000	$2,000,000
	Adult under 70 years old	$500,000		$1,000,000
	Child	$100,000		$200,000
Section 17	Repatriation
	Adult 70 years old or over	$50,000	$100,000	$150,000	$300,000
	Adult under 70 years old	$50,000		$150,000
	Child	$50,000		$150,000
Section 18	Compassionate visit
	Overall section limit	$3,000	NA	$5,000	NA
	Limit for accommodation expenses per room per night	$300	NA	$300	NA
Section 19	Personal liability	$500,000	$500,000	$1,000,000	$1,000,000
Section 20	Rental vehicle cover
	Overall section limit	$2,000	$2,000	$3,000	$3,000
	A. Limit for Rental Vehicle excess	$2,000	$2,000	$3,000	$3,000
	B. Limit for loss or damage to windscreen	$500	$500	$500	$500
	C. Limit for loss or damage to tyres	$200	$200	$200	$200
Section 21	Full terrorism cover (for sections 1 to 20)
	Adult 70 years old or over	$100,000	$500,000	$150,000	$1,250,000
	Adult under 70 years old	$200,000		$500,000
	Child	$100,000		$150,000
Section 22	COVID-19 cover (for sections 1 to 20, except section 14)	Refer to relevant section limits where applicable

¹Family Total means the maximum amount We will pay for each benefit section under the Family Cover during any one Trip. Each Insured Person is only allowed the maximum benefit per Insured Person in the Table of Cover.

Areas of Travel

Area Details

Area Name	Countries
Area A (For Single Trip policies only)	Brunei, Indonesia, Malaysia, Philippines, Thailand, Vietnam.
Area B	Australia, Cambodia, China (Excluding Tibet and Mongolia), Hong Kong, India, Japan, Laos, Macau, Myanmar, New Zealand, South Korea, Taiwan, and all countries listed under Area A.
Area C (Worldwide)	Worldwide excluding travelling in, to or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Somalia, Sudan and Syria.

Please refer to the policy wording for excluded countries as it is subject to change.

Eligibility

This Policy is only available to You if You:

are living in Singapore;
hold a valid Singapore identification document such as a Singapore passport, national registration identification card, employment pass, work permit, long-term visit pass or student pass;
start and end Your Trip in Singapore;
have fully paid Your premium;
are not an undischarged bankrupt;
have not committed an act of bankruptcy within the last 12 months;
have bought the Policy before You leave Singapore and the coverage date starts before You leave Singapore; and
are more than 30 days old.

Family Plan:

one Adult, or two Adults who are in a marital relationship or partners at the time of applying for the Policy; and
their Children under the same Policy.

The Child(ren) must be the legal child, or a ward, of the Adult and who is less than 21 years old or less than 25 years old in a full-time tertiary institution and is not married or employed.

FAQs

Cashless outpatient service in Japan

What is cashless outpatient service?

This is a service made available under both our Single Trip and Annual Travel Insurance exclusively for trips to Japan and can only be activated while you are travelling in Japan. When cashless outpatient service is required, you simply need to call our Assistance Company at (65) 6532 2522 and they will inform you if your request is approved and arrange for an outpatient medical appointment at a medical facility within their accredited network. No upfront payment for outpatient treatment costs will be collected at the medical facility for approved requests.

Can I submit a claim for outpatient medical expenses incurred in Japan if I did not use the cashless outpatient service?

Yes, you can still submit a claim under Section 13 (Medical expenses overseas) for outpatient medical expenses incurred. Policy terms and conditions apply.

COVID-19 Coverage

Is COVID-19 coverage included?

Yes, we offer comprehensive COVID-19 cover under Section 22, which includes coverage for Medical expenses overseas, Trip cancellation, Overseas hospital allowance and more. Please refer to the policy wording for coverage details.

What can I claim for if I am tested positive for COVID-19 before departure?

You can claim under Section 1 (Trip cancellation) or Section 2 (Trip postponement) if you need to cancel or postpone your trip as a result of testing positive for COVID-19 by a medical practitioner or government-approved test provider before departure, subject to policy terms and conditions. In particular, we would like to highlight:

Diagnosis for COVID-19 must be within 30 days prior to scheduled departure date from Singapore.
We will not pay if the policy was purchased less than 3 days prior to your scheduled departure date from Singapore.

What can I claim for if one of my travel companions is tested positive for COVID-19 before departure?

If your travel companion is tested positive for COVID-19 before departure, you can claim under Section 1 (Trip cancellation) or Section 2 (Trip postponement) if you need to cancel or postpone your trip. Policy terms and conditions apply.

Am I required to be fully vaccinated before departing from Singapore to enjoy all the benefits under my Travel Insurance policy?

We do not require you to be fully vaccinated as long as you still fulfill the requirements of the destination country and are not in breach of any government regulation.

Known Events

I understand that Known Events will not be covered. What is considered as a Known Event?

Known Event means any situation that was made known to You or You ought to have known of before:

You purchased or made endorsement(s) to the Policy; or
You made or changed the booking for Your Trip,

either through the transport or accommodation provider or through media reports or through a travel advisory issued by an authority (local or foreign), which may give rise to a claim under the Policy, affect Your health or disrupt Your Trip, including but not limited to, a riot, strike, civil commotion, epidemic, pandemic or Natural Disaster.

Activation & Commencement of Coverage

When will the policy coverage take effect?

Cover under section 1 (Trip cancellation) and 2 (Trip postponement) starts:
- at the time when You book your Trip (For Annual policies only);
- on the date We issue Your policy; or
- as shown under the section which applies, whichever is later.
Cover under section 8 (Insolvency of travel agency) starts:
- at the time when You book Your Trip (For Annual policies only); or
- on the date We issue Your Policy, whichever is later.
Cover under section 12 (Personal accident) starts when You leave the place You usually live or work (whichever is later) to start Your Trip, or three hours before the start date of Your Trip, whichever is later.

Cover under section 12 (Personal accident) ends, whichever is earliest:

when You arrive at the place that You usually live or work after Your Trip;
three hours after You return to Singapore and leave the immigration;
three hours after the end of the period shown on Your Certificate of Insurance;
three hours after the end of 182 days from the start of Your policy (For Single Trip policies only); or
three hours after the end of 90 days from the start of Your Trip (For Annual policies only).

All other sections will be effective only when you are overseas.

How can I extend my Single Trip policy period?

You may contact your servicing intermediary, our office or call our 24-Hour Emergency Assistance Hotline before midnight of the policy expiry date to furnish your extension period and credit card details for payment of additional premium, provided the trip is within 182 days from the start of your policy and subject to our approval.

What is the maximum trip duration under Travel Insurance for Single Trip and Annual policies?

For Single Trip policies, the maximum trip duration which you can purchase coverage for is 182 days.

For Annual policies, each trip should not exceed 90 days.

Emergency Assistance & Making a Claim

What should I do if I need assistance while I am travelling?

You may call our 24-Hour Emergency Assistance Hotline at (65) 6532 2522

What are the documents required when making a claim?

Medical Expense Claim - Submit all original medical evidence, certificates, reports and receipts
Baggage and Personal Belongings, and Travel Documents - Submit Police Report or written confirmation from carrier made within 24 hours of loss, original receipts, invoices and all other supporting documents.
Travel/Baggage Delay, Missed Connections - Submit written confirmation from carrier
Personal Liability Claim - Do not make any offer, promise or payment or otherwise admit liability

Important Notice

In the event of the happening or warning of any riot, strike or civil commotion, war or war like situations, health threatening situations, natural disasters for which travel advisory is issued by the authorities recommending postponement of all non-essential travel, the policy shall not cover such events unless the journey had already commenced prior to the advisory.

Policy Owners’ Protection Scheme

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Us or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)

Travel with comprehensive protection and enjoy highest rental vehicle excess cover.

Important Notice:

Travel Alert