Travel Insurance

Travel Insurance

Coverage for travel inconveniences, loss of money and personal belongings, medical expenses incurred due to accidents, sickness and medical emergencies during your trip.

Table of Cover

Standard Plans

 

The standard plans, Classic, Deluxe and Preferred plans do not cover pre-existing medical conditions.

 
  Maximum benefit (S$) for each trip
Preferred Deluxe Classic
Per insured
person
Family
total^
Per insured
person
Family
total^
Per insured
person
Family
total^
Travel Inconvenience Benefits
Section 1 Cancelling your trip
Overall section limit

15,000

45,000

10,000

30,000

5,000

15,000
Section 2 Postponing your trip
Overall section limit

2,000

6,000

1,000

3,000

500

1,500
Section 3 Shortening your trip
Overall section limit
Limit for extra expenses to return to Singapore

15,000
3,000

45,000

10,000
2,000

30,000

5,000
1,000

15,000
Section 4 Trip disruption
Overall section limit
Limit for accommodation expenses per room per night

3,000
400

9,000

2,000
400

6,000

1,000
400

3,000
Section 5 Travel delay
Overall section limit
For every six hours of delay while overseas
1. Adult
2. Child
After six hours of delay while in Singapore
1. Adult
2. Child

2,000


100
50


150
50




4,000

1,500


100
50


150
50




3,000

1,000


100
50


150
50




2,000
Section 6 Missed connections 500 5,000 200 2,000 100 1,000
Section 7 Overbooked public transport 500 5,000 200 2,000 100 1,000
Section 8 If the travel agency becomes insolvent 5,000 25,000 3,000 15,000 2,000 10,000
Section 9 Baggage delay
Overall section limit
For every six hours of delay while overseas
1. Adult
2. Child
Baggage delay after six hours when arriving in Singapore
1. Adult
2. Child

2,000


200
50


200
50




4,000

1,200


200
50


200
50




2,400

1,000


200
50


200
50




2,000
Section 10 Loss or damage of baggage and personal belongings
Overall section limit
Limit for laptop
Limit for watches, jewellery or valuables in total
Limit for other items (for each item, set or pair)


8,000
1,000
750

500



20,000


5,000
1,000
500

500



12,500


3,000
1,000
200

500



7,500
Section 11 Losing money
1. Adult
2. Child

500
150

800

350
125

600

250
100

450
Section 12 Losing travel documents
Overall section limit
Limit for accommodation expenses per room per night

8,000
400


20,000

5,000
400


12,500

3,000
400


7,500
Personal accident and medical expenses benefits
Section 13 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

200,000
500,000
125,000



400,000
1,000,000
250,000


1,500,000





3,000,000

125,000
200,000
100,000



250,000
400,000
200,000


800,000





1,600,000

50,000
150,000
75,000



Does not apply
Does not apply
Does not apply


600,000





Does not apply
  Scale of compensation
a. Accidental death
b. Permanent total disability
c. Losing two or more limibs
d. Losing sight in both eyes
e. Losing one limb
f. Losing sight in one eye
g. Losing speech
h. Losing hearing
Percentage of benefit limit
100%
​100%
​100%
​100%
50%
​50%
​50%
​50%
The total compensation from a to h will not be more than the maximum benefit limit.
Section 14 Medical expenses overseas
Overall section limit
1. Adult 70 years old or over
(combined for sections 14, 18 and 19)
2. Adult under 70 years old
3. Child
Limit for medical aids and equipment


350,000


1,000,000
300,000
1,500



3,000,000


300,000


500,000
200,000
1,000



1,500,000
 


250,000


250,000
150,000
500



1,000,000
Section 15 Medical expenses in Singapore
1. Adult 70 years old or over
2. Adult under 70 years old
3. Child
Limit for medical aids and equipment 


5,000
50,000
25,000
1,500



200,000


2,000
25,000
15,000
1,000



100,000


1,000
12,500
10,000
500



60,000
Section 16 Treatment by a Chinese medicine practitioner or a chiropractor


1,000


3,000


500


1,500


300


1,000
Section 17 Overseas hospital allowance
Overall section limit
Benefit per day


50,000
200


150,000


20,000
200


60,000


10,000
100


30,000
Section 18 Emergency medical evacuation
Overall section limits
1. Adult 70 years old or over

2. Adult under 70 years old
3. Child


See limit under
section 14
Unlimited
Unlimited



2,000,000


See limit under
section 14
Unlimited
Unlimited



1,500,000


See limit under
section 14
500,000
500,000



1,250,000
Section 19 Sending you home
Overall section limits
1. Adult 70 years old or over

2. Adult under 70 years old
3. Child

See limit under
section 14
Unlimited 
Unlimited


2,000,000

See limit under
section 14
Unlimited 
​Unlimited


1,500,000

See limit under
section 14
50,000
​50,000


1,250,000
Section 20 Compassionate visit
Overall section limit
Limit for accommodation expenses per room per night

15,000
400

45,000

10,000
400

30,000

5,000
400

15,000
Other Benefits
Section 21 Kidnap and hostage
Overall section limit
Every 24 hours

10,000
500

30,000

5,000
200

15,000

3,000
100

9,000
Section 22 Emergency phone charges
Overall section limit

300

900

150

450

100

300
Section 23 Home cover
Overall section limit
Limit per item (for each item, set or pair)

15,000
500

15,000
 

5,000
500

5,000

3,000
500

3,000
Section 24 Personal liability 1,000,000 1,000,000 1,000,000 1,000,000 500,000 500,000
Section 25 Rental vehicle excess cover 2,500 2,500 2,000 2,000 1,500 1,500
Section 26 Full terrorism cover (for sections 1 to 25)
1. Adult 70 years old or over
2. Adult under 70 years old
3. Child


200,000
500,000
125,000


1,500,000


125,000
200,000
100,000


800,000


50,000
150,000
75,000


600,000

^ Family 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.

Enhanced PreX Plans [1]

 
  Maximum benefit (S$) for each trip
Enhanced PreX Prestige Enhanced PreX Superior Enhanced PreX Basic
Per insured
person
Family
Total^
Per insured
person
Family
Total^
Per insured
person
Family
Total^
Travel Inconvenience Benefits
Section 1 Cancelling your trip
Overall section limit

Co-payment for claims due to pre-existing medical conditions

15,000

50%


45,000

10,000

50%


30,000

10,000

Does not apply
 


30,000
Section 2 Postponing your trip
Overall section limit

Co-payment for claims due to pre-existing medical conditions

2,000

50%


6,000

1,000

50%


3,000

1,000

​Does not apply


3,000
Section 3 Shortening your trip
Overall section limit
Limit for extra expenses to return to Singapore

Co-payment for claims due to pre-existing medical conditions

15,000
3,000


50%



45,000

10,000
2,000


50%



30,000

10,000
2,000


​Does not apply



30,000
Section 4 Trip disruption
Overall section limit
Limit for accommodation expenses per room per night

Co-payment for claims due to pre-existing medical conditions

3,000
400


50%



9,000

2,000
400


50%
 



6,000

2,000
400


Does not apply



6,000
Section 5 Travel delay
Overall section limit
For every six hours of delay while overseas
1. Adult
2. Child

After six hours of delay while in Singapore
1. Adult 
2. Child

2,000


100
50



150
50





4,000

1,500


100
50



150
50





3,000

1,500


100
50



150
50





3,000
Section 6 Missed connections 500 5,000 200 2,000 200 2,000
Section 7 Overbooked public transport 500 5,000 200 2,000 200 2,000
Section 8 If the travel agency becomes insolvent 5,000 25,000 3,000 15,000 3,000 15,000
Section 9 Baggage delay
Overall section limit
For every six hours of delay while overseas
1. Adult
2. Child

Baggage delay after six hours when arriving in Singapore
1. Adult 
2. Child

2,000


200
50



200
50





4,000

1,200


200
50



200
50





2,400

1,200


200
50



200
50





2,400
Section 10 Loss or damage of baggage and personal belongings
Overall section limit
Limit for laptop
Limit for watches, jewellery or valuables in total
Limit for other items (for each item, set or pair)


8,000
1,000
750

500
 




20,000


5,000
1,000
500

500




12,500


5,000
1,000
500

500




12,500
Section 11 Losing money
1. Adult
2. Child

500
150

800
 

350
125

600

350
125

600
Section 12 Losing travel documents
Overall section limit
Limit for accommodation expenses per room per night

8,000
400


20,000

5,000
400


12,500

5,000
400


12,500
Personal accident and medical expenses benefits
Section 13 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

200,000
500,000
125,000



400,000
1,000,000
250,000


1,500,000





3,000,000

125,000
200,000
100,000



250,000
400,000
200,000


800,000





1,600,000

125,000
200,000
100,000



250,000
400,000
200,000


800,000





1,600,000
  Scale of compensation
a. Accidental death
b. Permanent total disability 
c. Losing two or more limbs
d. Losing sight in both eyes
e. Losing one limb
f. Losing sight in one eye
g. Losing speech
h. Losing hearing
Percentage of benefit limit
100%
​100%
100%
​100%
50%
​50%
​50%
​50%
The total compensation from a to h will not be more than the maximum benefit limit.
Section 14 Medical expenses overseas
Overall section limit
1. Adult 70 years old or over
(combined for sections 14, 18 and 19)

2. Adult under 70 years old
3. Child 
Limit for medical aids and equipment

Limit for claims due to pre-existing medical conditions (combined for sections 14, 18 and 19)
1. Adult 70 years old or over
2. Adult under 70 years old
3. Child 



350,000

1,000,000
300,000
1,500






200,000
300,000
200,000







3,000,000



300,000

500,000
200,000
1,000






100,000
150,000
100,000







1,500,000



300,000

500,000
200,000
1,000






100,000
150,000
100,000







1,500,000
Section 15 Medical expenses in Singapore
1. Adult 70 years old or over
2. Adult under 70 years old
3. Child 
Limit for medical aids and equipment 


5,000
50,000
25,000
1,500


200,000


2,000
25,000
15,000
1,000


100,000


2,000
25,000
15,000
1,000


100,000
Section 16 Treatment by a Chinese medicine practitioner or a chiropractor
Overall section limit

Limit for claims due to pre-existing medical conditions



1,000

1,000



3,000



500

500



1,500



500

500



1,500
Section 17 Overseas hospital allowance
Overall section limit
Benefit per day


Limit for claims due to pre-existing medical conditions
Benefit per day if due to pre-existing medical conditions

50,000
200

4,500


100





150,000

20,000
200

3,000


100





60,000

20,000
200

Does not apply

Does not apply





​60,000
Section 18 Emergency medical evacuation
Overall section limits
1. Adult 70 years old or over

2. Adult under 70 years old
3. Child 

Limit for claims due to 
pre-existing medical conditions
1. Adult 70 years old or over
2. Adult under 70 years old
3. Child 



See limit under
section 14
Unlimited 
Unlimited


See limits under
section 14






2,000,000


See limit under
section 14

Unlimited 
Unlimited


See limits under
section 14





1,500,000


See limit under
section 14
Unlimited 
Unlimited


See limits under
section 14





1,500,000
Section 19 Sending you home
Overall section limits
1. Adult 70 years old or over
2. Adult under 70 years old
3. Child 

​Limit for claims due to 
pre-existing medical conditions
1. Adult 70 years old or over
2. Adult under 70 years old
3. Child 

See limit under
section 14
Unlimited
Unlimited



See limits under
section 14




2,000,000

See limit under
section 14
Unlimited
Unlimited



See limits under
section 14
 




1,500,000

See limit under
section 14
Unlimited
Unlimited



See limits under
section 14
 




1,500,000
Section 20 Compassionate visit
Overall section limit
Limit for accommodation expenses per room per night

Limit for claims due to pre-existing medical conditions

15,000
400


15,000


45,000

10,000
400


10,000
 


30,000

10,000
400

Does not apply


30,000
Other Benefits
Section 21 Kidnap and hostage
Overall section limit
Every 24 hours

10,000
500

30,000

5,000
200

15,000

5,000
200

15,000
Section 22 Emergency phone charges
Overall section limit

Limit for claims due to 
pre-existing medical conditions

300

300

900

150

150

450

150

150

450
Section 23 Home cover
Overall section limit
Limit per item (for each item, set or pair)

15,000
500

15,000

5,000
500

5,000

5,000
500

5,000
Section 24 Personal liability 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000
Section 25 Rental vehicle excess cover 2,500 2,500 2,000 2,000 2,000 2,000
Section 26 Full terrorism cover (for sections 1 to 25)
1. Adult 70 years old or over
2. Adult under 70 years old
3. Child 


200,000
500,000
125,000


1,500,000
 


125,000
200,000
100,000


800,000


125,000
200,000
100,000


800,000

^ Family 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.