Travel Insurance Claims

No, death claims due to disease are not payable. The Travel Insurance policy only pays for death claims caused by accident.

You can only claim for dental expenses if an accident happened while you are overseas and the treatment is necessary to restore your sound and natural teeth. It is subject to the limit of the policy contract.

No, medical expenses related to pregnancy are not claimable as the Travel Insurance policy excludes pregnancy and childbirth.

Yes, follow-up medical treatment incurred within 30 days upon returning to Singapore is claimable.

Yes, you can if it is not a pre-existing condition and the injury or illness occurred during your overseas travel.

The Travel Insurance policy allows you to claim for medical expenses incurred for:

• Initial treatment within three days from the date you return to Singapore
• Follow-up treatments up to 30 days from the date of your first treatment in Singapore

Yes, you can as long as the practitioners are registered with the Traditional Chinese Medicine (TCM) Practitioners Board and possess valid practicing certificates. You will need to do so within three days upon returning to Singapore and you have up to a maximum of 30 days to continue treatment.

View list of registered TCM practitioners

The emergency medical and travel assistance services available are:

• Medical advice
• Referral to doctors, specialists, hospitals, lawyers and interpreters
• Arrangement for bail bonds, travel assistance for loss of passport, embassy referral, medical evacuation / repatriation of patients, repatriation of mortal remains, despatch of doctors / medicines, compassionate visits, accompanied return of dependent children and hospital deposit guarantees.

You will need to pay for the expenses incurred for the services that are not covered under your travel insurance.

Yes, you can if you decide not to proceed with the trip. You will be able to claim for the non-refundable and irrecoverable travelling / accommodation expenses paid in advance (including cancellation fee) to recover from your travel agency, airline or hotel.

No, you will not be able to make a claim for trip cancellation due to busy work schedule as this is not one of the reasons covered under the policy.

Yes, you can if your medical condition is not pre-existing. You will be able to claim for the transport expenses 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). You will also be able to claim for additional economy class transport expenses and accommodation expenses for a standard room for your return to Singapore. You must ask for a refund of prepaid expenses from the transport or accommodation provider first. We will reduce the claim by the amount that the transport or accommodation provider has refunded you.

Yes, the policy covers travel delays 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 delay.

No, you will not be able to make a claim for losses arising from unattended belongings.

You will need to report the loss to the local police or a relevant local authority (e.g. hotel or airline) within 24 hours of the incident. You will also need to obtain a copy of the report for any subsequent claim.

No, the Travel Insurance excludes loss or damaged item covered under any other insurance policy or which had been reimbursed by the carrier, hotel, tour operator, travel agency or  others. 

No, you are not able to make a claim for this case.

The Travel Insurance policy only covers baggage delay under the following conditions:

• Delay is a result of mishandling by an airline or cruise operator
• More than six consecutive hours of delay in receiving your baggage

Yes, you can still submit the claim for our review.

You should take note that in the absence of the original purchase receipts, it is more difficult for us to accurately assess their value. This may result in a further revision of the claim payout after adjusting for depreciation or wear and tear.

No, you are not able to make a claim for items confiscated or retained by customs or authorities.

No, the Travel Insurance policy only reimburses you for any excess or deductible* which you are liable for due to an accident while you are overseas. This includes loss or damage to a rental vehicle during the rental period.

*Excess or deductible: The amount the insured will be required to contribute before they can make a claim.