Leisure activities that are accessible to the general public/tourists such as bungee jumping, scuba diving, motorcycling (including pillion riding), horse riding, winter sports, water rafting are covered in our standard policy terms.
However, dangerous or professional sports and activities are not covered in our policy terms. You may contact us at 6788 6616 if you wish to check if the activity you are taking part in is covered.
Your period of insurance will be automatically extended while you are overseas, at no additional premium for the first 14 days if:
Our policy covers people who are travelling overseas for business or for holiday. It is not intended to cover people who are travelling to seek medical treatment.
Yes, your travel insurance will reimburse you the necessary and reasonable cost of emergency medical, surgical, hospital, dental treatment and ambulance recommended or requested by a medical practitioner for you to be treated while overseas, up to the limit shown in the table of cover of your plan or up to a period of up to 45 days from the date of the first treatment, whichever comes first.
Yes, we will pay for the necessary and reasonable costs of emergency dental treatment recommended or requested by a medical practitioner for you to be treated while overseas, up to the limit shown in the table of cover of your plan or up to a period of up to 45 days from the date of the first treatment, whichever comes first.
Yes, our travel insurance will cover you for your specialist medical treatment expenses provided that you are referred by a general practitioner. This is for a period of up to 45 days from the date of first treatment or up to the limits of the policy contract, whichever is earlier.
Yes, we will pay for the necessary and reasonable costs of medical, surgical, hospital, dental treatment and ambulance for treatment and follow-ups in Singapore recommended or requested by a medical practitioner, depending on the conditions shown:
Yes, you can seek medical treatment from a Chinese medicine practitioner or chiropractor provided that the practitioner is registered with the Traditional Chinese Medicine (TCM) Practitioners Board and possess valid practicing certificates. You will need to do so within seven days upon returning to Singapore and you have up to a maximum of 30 days to continue treatment.View registered Chinese medicine practitioners
Yes, one of your family members can come over to visit you provided that you are hospitalised overseas for at least three full days due to injury or sickness sustained during your trip and no adult family member is with you at that time.
We will pay for the reasonable economy-class transport expenses (for air, sea or land travel) and hotel accommodation expenses for one family member to travel and be with you or one travelling companion to stay with you until you are confirmed medically fit by a medical practitioner to continue with your trip or to return to Singapore or for up to 30 days from the date the trip ends, whichever comes first.
Overseas hospital allowance
Emergency medical evacuation & sending you home
Sending you home benefit covers the costs incurred for the transportation and return of the insured’s body back to Singapore or to his home country. This is provided that death occurs due to an injury or sickness which occurred whilst overseas.
Cancelling & shortening your trip
You will be eligible for Cancelling your trip benefit under the following conditions, provided they happen within 30 days before you are due to leave:
You will be eligible for Cancelling your trip benefit under the following conditions if they happen before you are due to depart from Singapore:
1 Family member means your husband or wife, children, parents, brothers and sisters, parents-in-law, brothers-in-law, sisters-in-law, grandparents, grandparents-in-law, daughters-in-law, sons-in-law or grandchildren.
No, you will only be covered under Cancelling your trip benefit of our travel insurance if you cancel your trip 30 days before the date of your departure from Singapore due to your serious illness.
No, you will not be covered under our travel insurance as work commitment is not one of our insured perils. However, you can cancel your policy and we will refund you the unused premium paid less an administrative fee of $21.40 (inclusive of GST) if we receive your cancellation request before the start date of your period of insurance.
We will pay for the transport expenses (air, sea or land travel) and accommodation costs that you have paid or have agreed to pay under a contract and which you cannot get back (including the travel agent’s cancellation fee). We will also pay for extra economy-class transport expenses (air, sea or land travel) and reasonable accommodation expenses that you have to pay to return to Singapore. To view the applicable limits for this benefit, view the coverage for this plan.
We will pay for the transport expenses (air, sea or land travel) and accommodation costs that you have paid or have agreed to pay under a contract and which you cannot get back (including the travel agent’s cancellation fee).
We will also pay for extra economy-class transport expenses (air, sea or land travel) and reasonable accommodation expenses that you have to pay to return to Singapore. This payment is limited to the sub-limit shown in the selected plan in the table of cover.
No, you will only be reimbursed for accommodation and transport expenses. Other expenses such as taxi fares, meals and drinks will not be covered.
If the public transport you are scheduled to travel in during your trip is delayed for more than six hours in a row and you are not the cause of the delay.
Baggage & personal belongings
No, you can only seek reimbursement for either Baggage delay or Damage of baggage benefit for the same event and not under both benefits.
We will pay for reasonable economy-class transport (air, sea or land travel) or accommodation expenses you have to pay while overseas to apply to replace the lost passport or travel documents. We will also pay for the administrative fee which you have to pay to get a replacement passport, passport photograph or travel document.
Personal accident benefit covers you against injury caused by accident that result in death or Permanent total disability or loss of limb(s) or sight within 90 days from the date of accident.
Yes, our travel insurance will pay you a cash benefit for each full day (e.g. 24 hours in a row) up to the benefit limit if you are held hostage following a kidnap whilst overseas.
You will only be reimbursed for the actual telephone charges up to the benefit limit for calls made to our appointed assistance company. This is provided that there is a medical emergency and a medical claim has to be submitted and payable.
It will reimburse you for any damage or loss to your home contents in Singapore due to fire while no one is staying in your home in Singapore during your trip.
You will be reimbursed for any excess or deductible which you are legally responsible for due to the loss or damage to the rental vehicle. This is provided that the following conditions are met:
Our travel insurance covers for any of the losses listed in the policy arising from or in relation to an act of terrorism, up to the limit as shown in your plan’s table of cover.
Application & procedure
You can contact our travel insurance hotline at 6788 6616 to request for amendments to be made to the policy. We will process your request within two working days.
No, you will need to purchase your travel insurance prior to setting off for your overseas trip from Singapore. We strongly encourage you to purchase early before departure as our travel insurance covers for possible trip cancellation as well.
No, you must purchase two policies: one policy for your trip to Bangkok and one policy for your trip to Taiwan. The coverage for your single trip policy will end when