The Travel Insurance Policy

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  • Published : January 9, 2013
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Applicable for policies activated on and after 15 Aug 2012

Table of cover
Maximum benefit (S$) Travel inconvenience benefits Section 1 Section 2 Section 3 Cancelling your trip Postponing your trip Shortening your trip Deluxe 10,000 1,000 Overall section limit: 10,000 Limit for extra expenses to return to Singapore: 2,000 Section 4 Section 5 Trip disruption Travel delay while overseas Travel delay while in Singapore Section 6 Section 7 Section 8 Section 9 Missed connections Overbooked public transport If the travel agency becomes insolvent Baggage delay 1 2 Adult Child 200 200 3,000 Overall section limit: 1,000 200 for every six hours of delay 50 for every six hours of delay 2,000 Classic 5,000 500 Overall section limit:5,000 Limit for extra expenses to return to Singapore: 1,000 1,000

Overall section limit: 1,000 100 for every six hours of delay 150 (after six hours of delay) 100 100 2,000

Baggage delay when arriving in Singapore 1 Adult 2 Child Section 10 Loss or damage of baggage and personal belongings

200 (after six hours of delay) 50 (after six hours of delay) Overall section limit: 5,000 Limit for watches, jewellery or valuables: 500 in total Limit for laptop: 1,000 Limit for other items: 500 for each item, set or pair Overall section limit: 3,000 Limit for watches, jewellery or valuables: 200 in total Limit for laptop: 1,000 Limit for other items: 500 for each item, set or pair 250 5,000 3,000

Section 11 Section 12 Section 13

Losing money Losing travel documents Personal accident 1 Adult 70 years old or over 2 Adult under 70 years old 3 Child Or Public transport double cover for accidental death 1 Adult 70 years old or over 2 Adult under 70 years old 3 Child

Personal accident and medical expenses benefits Does not apply 200,000 50,000 50,000 150,000 25,000

Does not apply 400,000 100,000

Does not apply Does not apply Does not apply

Scale of compensation Percentage of sum insured a Accidental death 100% b Permanent total disability 100% c Losing two or more limbs 100% d Losing sight in both eyes 100% e Losing one limb 50% f Losing sight in one eye 50% g Losing speech 50% h Losing hearing 50% The total compensation from a to h will not be more than the maximum benefit limit.

Section 14

Medical expenses overseas 1 2 3 Adult 70 years old or over Adult under 70 years old Child

Overall section limit: Does not apply 500,000 200,000 Limit: 1,000 Overall section limit: Does not apply 25,000 10,000 Limit: 1,000 300 10,000 (200 a day)

Overall section limit: 250,000 (Combined limit for sections 14, 18 and 19) 250,000 150,000 Limit: 500 Overall section limit: 1,000 12,500 10,000 Limit: 500

Refund for medical aids and equipment Section 15 Medical expenses in Singapore 1 2 3 Adult 70 years old or over Adult under 70 years old Child

Refund for medical aids and equipment Section 16 Section 17 Section 18 Treatment by a Chinese medicine practitioner or a chiropractor Overseas hospital allowance Emergency medical evacuation 1 2 3 Section 19 Adult 70 years old or over Adult under 70 years old Child

5,000 (100 a day)

Does not apply Unlimited Unlimited

See section 14 500,000 500,000

Sending you home 1 2 3 Adult 70 years old or over Adult under 70 years old Child Does not apply Unlimited Unlimited 10,000 5,000 (200 for every 24 hours) 150 5,000 Limit per item: $500 for each item, set or pair See section 14 50,000 50,000 5,000 3,000 (100 for every 24 hours) 100 3,000 Limit per item: $500 for each item, set or pair 500,000 1,500

Section 20 Section 21 Section 22 Section 23

Compassionate visit Kidnap and hostage Emergency phone charges Home cover

Other benefits

Section 24 Section 25 Section 26

Personal liability Rental vehicle excess cover Full terrorism cover (for sections 1 to 25) 1 2 3 Adult 70 years old or over Adult under 70 years old Child

1,000,000

Does not apply 200,000 50,000

50,000 150,000 25,000

Policy Conditions Travel


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