Travel with ease of mind
AIG assist lets you travel the world in complete freedom, knowing you have the most comprehensive protection. Be it for a short business trip or extended family holiday, single-journey or annual coverage, you can choose your plan from the widest range of benefits and services. |
| |
|
|
35 great travel benefits including:
- Unlimited medical & Accident Dental Expenses For Premier Plan
- Takes care of your deposit in the event of a Travel Agency financial collapse.
- Covers medical expenses incurred overseas due to Pregnancy related sickness.
- War Inclusion
- Kidnap & Hostage.
- Looks after you when your are hospitalized in Singapore.
- Baggage and Travel Delay claim whist you are in Singapore.
- Reimburse you for your mobile telephone call charges incurred overseas for medical services.
- Compensate you for loss of jewelry if you are robbed while traveling.
- Automatic Extension of Policy due to Hospitalization / Quarantine.
- Covers all ages - from babies to senior citizens.
- Reimburses your approved claims from the first dollar.
- Reassures you with up to S$1,000,000 protection whilst traveling on public transport overseas.
- Lifestyle Assist coverage such as Golf Advantage and Pet Care.
- Provides protection for unlimited trips on the Annual Plan.
- Includes all your eligible children, regardless of number, under the Family Plan.
- Gives you unlimited Emergency Medical Evacuation and Repatriation Cover.
- Acts of Terrorism are not excluded.
- Takes care of your rental vehicle excess up to S$750.
- Provides cover for your household contents whilst you are away.
- Protests your children's needs with Child Education Grant.
- Protects you while you enjoy leisure amateur sporting sports, such as scuba diving, water sports, winter sports, skydiving, mountaineering, rock-climbing and trekking.
|
 |
| |
- ASEAN
-- Malaysia, Indonesia, Thailand, Philippines, Myanmar, Vietnam, Cambodia, Laos, Brunei
- Asia
-- Asean, China, Hong Kong, Macau, Taiwan, Korea, Australia, New Zealand, Japan, India
- Asean, Asia & rest of the world
-- including Sri Lanka, Nepal, Tibet & Mongolia
|
|
| |
Back to top 
ASEAN
| 1 - 3 |
S$44 |
S$98 |
S$29 |
S$65 |
S$22 |
S$45 |
| 4 - 6 |
S$55 |
S$131 |
S$36 |
S$85 |
S$27 |
S$60 |
| 7 - 10 |
S$74 |
S$168 |
S$49 |
S$112 |
S$33 |
S$75 |
| 11 - 14 |
S$99 |
S$222 |
S$65 |
S$148 |
S$45 |
S$98 |
| 15 - 18 |
S$120 |
S$266 |
S$78 |
S$180 |
S$58 |
S$120 |
| 19 - 22 |
S$134 |
S$312 |
S$89 |
S$208 |
S$68 |
S$129 |
| 23 - 27 |
S$150 |
S$343 |
S$99 |
S$228 |
S$78 |
S$155 |
| 28 - 31 |
S$162 |
S$376 |
S$108 |
S$255 |
S$89 |
S$176 |
| each additional week |
S$32 |
S$62 |
S$18 |
S$40 |
S$13 |
S$29 |
| Annual Plan |
NA |
NA |
NA |
NA |
NA |
NA |
Family Plan
- Single Trip Coverage: For 1 or 2 adults travelling with any number of children. The 2 adults need not to be related but each child must be related to either of the insured adults. The family must travel and return together.
- Annual Coverage: For a legally married couple and any number of children. Each child must be accompanied by either of the insured adults under this plan for any trips made during the Policy Period.
- Children under any Plan throughout the Policy Period must be unmarried and under 18 years of age or up to 23 years if studying full-time in a recognised institute of higher learning.
Trip Duration
- Single Trip Coverage: The maximum length of each insured trip is 182 days.
- Annual Coverage: The insured policyholder(s) will be covered for an unlimited number of trips made during the Policy Period. The maximum length of each insured trip is 90 days.
Commencement of Coverage
- Travel Cancellation (Section 16) is effective either:
(a) 30 days before the date of departure, or
(b) from the date of purchase which must be at least 7 days before the departure date for this benefit to respond, whichever is later.
- Personal Accident Protection (section 13) commences 3 hours before the insured person(s) leave(s) Singapore and cease(s) whenever any of the following occurs first:
(a) when the period specified in the policy has expired,
(b) when the insured person(s) return(s) to his/her/their permanent place of residence, or
(c) within 3 hours upon arrival back in Singapore.
Duplicate Coverage & Refund
- If the insured person is covereed by more than 1 policy underwritten by the company for the same trip, the Company will consider the person to be insured only under the Policy which provides the highest benefit level.
- No refund of premium is allowed once the Policy has been issued.
Main Exclusions (Complete details of policy exclusions are listed in the Policy)
- AIDS; mental or nervous disorders; suicide or self-inflicted injuries.
- Childbirth.
- Gemstones.
- Flight duty (expect as a passenger) or manual work.
- Any pre-existing condition for which the insured person
(a) received medical treatment, diagnosed consultation or prescrived drugs, or
(b) had a condition (for which medical advice or treatment was recommended by a qualified medical practitioner) which was not covereed whiin a 12-month period preceding the effective date of the Policy.
| Section 1. Medical & Accidental Dental Expenses Insurred Overseas |
| Insured Person before the attainment of seventy (70) years and below |
Unlimited |
S$500,000 |
S$250,000 |
| Insured Person upon attainment of seventy (70) years and above |
S$100,000 |
S$100,000 |
S$100,000 |
| Insured Child before the attainment of 18 years or 23 years if studying full time in a recognized Institution |
S$200,000 |
S$200,000 |
S$200,000 |
| Section 2. Medical Expenses Incurred in Singapore |
| Insured Person before the attainment of 70 years and below. |
S$50,000 |
S$25,000 |
S$12,500 |
| Insured Person upon attainment of 70 years and above |
S$5,000 |
S$2,500 |
S$1,000 |
| Insured Child before the attainment of 18 years or 23 years if studying full time in a recognized institution of higher learning. |
S$10,000 |
S$10,000 |
S$10,000 |
| Section 3. Medical Expenses - Womenh Benefit |
| Incurred overseas due to Pregnancy Related Sickness. |
S$8,000 |
S$5,000 |
S$2,000 |
| Section 4. Treatment by Traditional Chinese Medicine (TCM) |
| Covers Traditional Chinese Medicine (TCM) treatment from a recognised (TCM) Physician. |
S$500 |
S$300 |
S$100 |
| Section 5. Overseas Hospital Income |
| Pays S$200 for every complete day the insured Person is hospitalized overseas |
S$50,000 |
S$30,000 |
S$10,000 |
| Section 6. Hospital Income in Singapore |
| Pays S$100 for every complete day the insured Person is hospitalized in Singapore. |
S$1,000 |
S$1,000 |
S$500 |
| Section 7. Emergency Medical Evacuation |
| Covers all American International Assistance Services (AIAS) Emergency Medical Evacuation expenses. |
Unlimited |
Unlimited |
S$500,000 |
| Section 8. Repatriation |
| Covers all AIAS expenses incurred in returning the remains of the Inured Person, who suffered loss of life during the trip, to Singapore. |
Unlimited |
Unlimited |
S$30,000 |
| Section 9. Direct Repatriation |
| Covers all AIAS expenses incurred in returning the remains of the Inured Person who suffered loss of life during the trip to home country. |
Unlimited |
S$30,000 |
S$15,000 |
| Section 10. Hospital Visitation |
| Pays for the incidental expenses for the visit of one relative or friend if the Insured Person cannot be evacuated and requires hospitalization for more than 5 days whilst overseas. |
S$10,000 |
S$5,000 |
S$3,000 |
| Section 11. Compassionate Visit |
|
|
|
| Pays for the incidental expenses of sending one relative or friend if assistance is required to assist in repatriation arrangement of the Insured Person's remains. |
S$10,000 |
S$5,000 |
S$3,000 |
| Section 12. Child Guard |
|
|
|
| Pays for one relative ore friend to accompany the Insured Person's children hom following hospitalization of the Insured Person. |
S$10,000 |
S$5,000 |
S$3,000 |
| Section 13. Emergency Telephone Charges |
| Reimburses telephone charges for Medical related services in contacting American International Assistance Services (AIAS). |
S$250 |
S$100 |
S$100 |
| Section 14. Automatic Extension of Policy Period |
| Covers automatic extension of this policy up to 30 days without additional premium due to hospitalization or Quarantined of the Insured Person. |
Yes |
Yes |
Yes |
| |
|
|
|
| Section 15. Accidental Death & Disablement |
| Insured Person before the attainment of seventry (70) years and below |
S$500,000 |
S$200,000 |
S$150,000 |
| Insured Person upon attainment of seventy (70) years and above |
S$200,000 |
S$100,000 |
S$50,000 |
| Insured Child before the attainment of 18 years or 23 years if studying full time in a recognized institution of higher learning. |
S$100,000 |
S$100,000 |
S$50,000 |
| Section 16. Public Transport Double Cover |
|
|
|
| Insured Person before the attainment of seventry (70) years and below |
S$1,000,000 |
S$400,000 |
NA |
| Insured Person upon attainment of seventy (70) years and above |
S$400,000 |
S$200,000 |
NA |
| Insured Child before the attainment of 18 years or 23 years if studying full time in a recognized institution of higher learning. |
S$200,000 |
S$200,000 |
NA |
| Section 17. Child Education Grant |
|
|
|
| Pays for each legally dependent child (before the attainment of 23 years and below) studying as a full-time student in a recognized institution of learning as a result of accidental loss of life or the Insured Person. |
S$5,000 |
S$5,000 |
NA |
| |
|
|
|
| Section 18. Travel Cancellation |
|
|
|
| Covers loss of irredeemable travel and accommodation expenses paid in advance and occurring up to 30 days prior to departure from Singapore. |
S$15,000 |
S$10,000 |
S$5,000 |
| Section 19. Travel Postponement |
|
|
|
| Covers additional administrative charges for travel and accommodation expenses paid in advance and occurring up to 30 days prior to departure from Singapore. |
S$2,000 |
S$1,000 |
S$500 |
| Section 20. Loss of Travel Deposit |
|
|
|
| Covers the Insured for loss of travel deposit in the event of financial collapse of a Singapore registered Travel agent. |
S$500 |
S$250 |
N/A |
| Section 21. Travel Curtailment including Aircraft Hijacking |
Covers additional travel or accommodation expenses
incurred or forfeited after the commencement of the trip |
S$15,000 |
S$10,000 |
S$5,000 |
| Section 22. Travel Interruption |
|
|
|
| Covers the unused portion of the trip due to the hospitalization of the Insured Person. |
S$8,000 |
S$5,000 |
S$3,000 |
| Section 23. Personal Baggage including Laptop Computer |
| Covers loss or damage to baggage, clothing, personal effects, Laptop Computer (max. S$500 for any one article or pair or set of Articles. Max. for Laptop Computer is S$1,000). |
S$5,000 |
S$5,000 |
S$3,000 |
| Section 24. Jewellery Coverage |
|
|
|
| Compensates the loss of jewellery whilst overseas due to robbery. |
S$750 |
S$500 |
NA |
| Section 25. Baggage Delay |
|
|
|
| Pays S$200 for each full 8 consecutive hours that the Insured Person's baggage is delayed whilst overseas. |
S$1,000 |
S$1,000 |
S$1,000 |
| Section 26. Travel Documents |
|
|
|
| Pays the Insured Person's travel and hotel expenses including cost of obtaining replacement passports, travel tickets and other relevant travel documents. Loss of money due to theft is also covered (max. $300) |
S$5,000 |
S$5,000 |
S$3,000 |
| Section 27. Travel Delay |
|
|
|
| Pays S$100 for each full 8 consecutive hours of delay |
S$1,000 |
S$1,000 |
S$1,000 |
| Section 28. Travel Misconnection |
|
|
|
| Covers expenses incurred as a result of misconnection of conveyance. |
S$500 |
S$200 |
S$200 |
| Section 29. Kidnap & Hostage |
|
|
|
| Pays S$250 for loss of income for every 24 hours the insured is kidnapped whilst traveling overseas. |
S$10,000 |
S$5,000 |
S$3,000 |
| Section 30. Personal Liability Abroad |
|
|
|
| Covers the Insured Person against liability to third parties or damage to their property caused by his/her negligence. |
S$1,000,000 |
S$1,000,000 |
S$500,000 |
| |
|
|
|
| Section 31. Golf Advantage |
|
|
|
| a) Damage or Loss of Golfing Equipment |
S$750 |
S$500 |
S$500 |
| b) Hole-in-One |
S$250 |
NA |
NA |
| Section 32. Home Guard |
|
|
|
| Pays for damage (due to fire) to household contents per household of the residence which was left vacant for the full duration of the trip. |
S$5,000 |
S$5,000 |
NA |
| Section 33. Rental Vehicle Excess |
|
|
|
| Pays for the cost of the insurance excess of a car rented by the Insured Person if it is involved in an accident. |
S$750 |
S$500 |
NA |
| Section 34. Pet Care |
|
|
|
| Pays S$50 for each full 8 consecutive hours' delay of returning flight to Singapore; to cover additional cost incurred by the Insured PErson in having placed his/her cat or dog in a kennel/cattery or pet hotel. |
S$500 |
S$250 |
NA |
| Section 35. Cover in the event of Terrorism |
|
|
|
| Sections 1 through 34 of this policy are applicable if they occur as the result of an Act of Terrorism whilst the Insured Person is overseas. |
Yes |
Yes |
Yes |
|
|
Back to top
ASIA
| 1 - 3 |
S$60 |
S$131 |
S$40 |
S$85 |
S$29 |
S$65 |
| 4 - 6 |
S$72 |
S$163 |
S$48 |
S$109 |
S$35 |
S$85 |
| 7 - 10 |
S$99 |
S$226 |
S$66 |
S$150 |
S$46 |
S$108 |
| 11 - 14 |
S$121 |
S$272 |
S$81 |
S$180 |
S$57 |
S$135 |
| 15 - 18 |
S$142 |
S$322 |
S$95 |
S$215 |
S$68 |
S$152 |
| 19 - 22 |
S$162 |
S$368 |
S$108 |
S$245 |
S$79 |
S$170 |
| 23 - 27 |
S$181 |
S$399 |
S$121 |
S$266 |
S$88 |
S$187 |
| 28 - 31 |
S$196 |
S$417 |
S$130 |
S$278 |
S$99 |
S$208 |
| each additional week |
S$40 |
S$76 |
S$25 |
S$50 |
S$19 |
S$35 |
| Annual Plan |
S$430 |
S$830 |
S$290 |
S$530 |
NA |
NA |
Family Plan
- Single Trip Coverage: For 1 or 2 adults travelling with any number of children. The 2 adults need not to be related but each child must be related to either of the insured adults. The family must travel and return together.
- Annual Coverage: For a legally married couple and any number of children. Each child must be accompanied by either of the insured adults under this plan for any trips made during the Policy Period.
- Children under any Plan throughout the Policy Period must be unmarried and under 18 years of age or up to 23 years if studying full-time in a recognised institute of higher learning.
Trip Duration
- Single Trip Coverage: The maximum length of each insured trip is 182 days.
- Annual Coverage: The insured policyholder(s) will be covered for an unlimited number of trips made during the Policy Period. The maximum length of each insured trip is 90 days.
Commencement of Coverage
- Travel Cancellation (Section 16) is effective either:
(a) 30 days before the date of departure, or
(b) from the date of purchase which must be at least 7 days before the departure date for this benefit to respond, whichever is later.
- Personal Accident Protection (section 13) commences 3 hours before the insured person(s) leave(s) Singapore and cease(s) whenever any of the following occurs first:
(a) when the period specified in the policy has expired,
(b) when the insured person(s) return(s) to his/her/their permanent place of residence, or
(c) within 3 hours upon arrival back in Singapore.
Duplicate Coverage & Refund
- If the insured person is covereed by more than 1 policy underwritten by the company for the same trip, the Company will consider the person to be insured only under the Policy which provides the highest benefit level.
- No refund of premium is allowed once the Policy has been issued.
Main Exclusions (Complete details of policy exclusions are listed in the Policy)
- AIDS; mental or nervous disorders; suicide or self-inflicted injuries.
- Childbirth.
- Gemstones.
- Flight duty (expect as a passenger) or manual work.
- Any pre-existing condition for which the insured person
(a) received medical treatment, diagnosed consultation or prescrived drugs, or
(b) had a condition (for which medical advice or treatment was recommended by a qualified medical practitioner) which was not covereed whiin a 12-month period preceding the effective date of the Policy.
| Section 1. Medical & Accidental Dental Expenses Insurred Overseas |
| Insured Person before the attainment of seventy (70) years and below |
Unlimited |
S$500,000 |
S$250,000 |
| Insured Person upon attainment of seventy (70) years and above |
S$100,000 |
S$100,000 |
S$100,000 |
| Insured Child before the attainment of 18 years or 23 years if studying full time in a recognized Institution |
S$200,000 |
S$200,000 |
S$200,000 |
| Section 2. Medical Expenses Incurred in Singapore |
| Insured Person before the attainment of 70 years and below. |
S$50,000 |
S$25,000 |
S$12,500 |
| Insured Person upon attainment of 70 years and above |
S$5,000 |
S$2,500 |
S$1,000 |
| Insured Child before the attainment of 18 years or 23 years if studying full time in a recognized institution of higher learning. |
S$10,000 |
S$10,000 |
S$10,000 |
| Section 3. Medical Expenses - Womenh Benefit |
| Incurred overseas due to Pregnancy Related Sickness. |
S$8,000 |
S$5,000 |
S$2,000 |
| Section 4. Treatment by Traditional Chinese Medicine (TCM) |
| Covers Traditional Chinese Medicine (TCM) treatment from a recognised (TCM) Physician. |
S$500 |
S$300 |
S$100 |
| Section 5. Overseas Hospital Income |
| Pays S$200 for every complete day the insured Person is hospitalized overseas |
S$50,000 |
S$30,000 |
S$10,000 |
| Section 6. Hospital Income in Singapore |
| Pays S$100 for every complete day the insured Person is hospitalized in Singapore. |
S$1,000 |
S$1,000 |
S$500 |
| Section 7. Emergency Medical Evacuation |
| Covers all American International Assistance Services (AIAS) Emergency Medical Evacuation expenses. |
Unlimited |
Unlimited |
S$500,000 |
| Section 8. Repatriation |
| Covers all AIAS expenses incurred in returning the remains of the Inured Person, who suffered loss of life during the trip, to Singapore. |
Unlimited |
Unlimited |
S$30,000 |
| Section 9. Direct Repatriation |
| Covers all AIAS expenses incurred in returning the remains of the Inured Person who suffered loss of life during the trip to home country. |
Unlimited |
S$30,000 |
S$15,000 |
| Section 10. Hospital Visitation |
| Pays for the incidental expenses for the visit of one relative or friend if the Insured Person cannot be evacuated and requires hospitalization for more than 5 days whilst overseas. |
S$10,000 |
S$5,000 |
S$3,000 |
| Section 11. Compassionate Visit |
|
|
|
| Pays for the incidental expenses of sending one relative or friend if assistance is required to assist in repatriation arrangement of the Insured Person's remains. |
S$10,000 |
S$5,000 |
S$3,000 |
| Section 12. Child Guard |
|
|
|
| Pays for one relative ore friend to accompany the Insured Person's children hom following hospitalization of the Insured Person. |
S$10,000 |
S$5,000 |
S$3,000 |
| Section 13. Emergency Telephone Charges |
| Reimburses telephone charges for Medical related services in contacting American International Assistance Services (AIAS). |
S$250 |
S$100 |
S$100 |
| Section 14. Automatic Extension of Policy Period |
| Covers automatic extension of this policy up to 30 days without additional premium due to hospitalization or Quarantined of the Insured Person. |
Yes |
Yes |
Yes |
| |
|
|
|
| Section 15. Accidental Death & Disablement |
| Insured Person before the attainment of seventry (70) years and below |
S$500,000 |
S$200,000 |
S$150,000 |
| Insured Person upon attainment of seventy (70) years and above |
S$200,000 |
S$100,000 |
S$50,000 |
| Insured Child before the attainment of 18 years or 23 years if studying full time in a recognized institution of higher learning. |
S$100,000 |
S$100,000 |
S$50,000 |
| Section 16. Public Transport Double Cover |
|
|
|
| Insured Person before the attainment of seventry (70) years and below |
S$1,000,000 |
S$400,000 |
NA |
| Insured Person upon attainment of seventy (70) years and above |
S$400,000 |
S$200,000 |
NA |
| Insured Child before the attainment of 18 years or 23 years if studying full time in a recognized institution of higher learning. |
S$200,000 |
S$200,000 |
NA |
| Section 17. Child Education Grant |
|
|
|
| Pays for each legally dependent child (before the attainment of 23 years and below) studying as a full-time student in a recognized institution of learning as a result of accidental loss of life or the Insured Person. |
S$5,000 |
S$5,000 |
NA |
| |
|
|
|
| Section 18. Travel Cancellation |
|
|
|
| Covers loss of irredeemable travel and accommodation expenses paid in advance and occurring up to 30 days prior to departure from Singapore. |
S$15,000 |
S$10,000 |
S$5,000 |
| Section 19. Travel Postponement |
|
|
|
| Covers additional administrative charges for travel and accommodation expenses paid in advance and occurring up to 30 days prior to departure from Singapore. |
S$2,000 |
S$1,000 |
S$500 |
| Section 20. Loss of Travel Deposit |
|
|
|
| Covers the Insured for loss of travel deposit in the event of financial collapse of a Singapore registered Travel agent. |
S$500 |
S$250 |
N/A |
| Section 21. Travel Curtailment including Aircraft Hijacking |
Covers additional travel or accommodation expenses
incurred or forfeited after the commencement of the trip |
S$15,000 |
S$10,000 |
S$5,000 |
| Section 22. Travel Interruption |
|
|
|
| Covers the unused portion of the trip due to the hospitalization of the Insured Person. |
S$8,000 |
S$5,000 |
S$3,000 |
| Section 23. Personal Baggage including Laptop Computer |
| Covers loss or damage to baggage, clothing, personal effects, Laptop Computer (max. S$500 for any one article or pair or set of Articles. Max. for Laptop Computer is S$1,000). |
S$5,000 |
S$5,000 |
S$3,000 |
| Section 24. Jewellery Coverage |
|
|
|
| Compensates the loss of jewellery whilst overseas due to robbery. |
S$750 |
S$500 |
NA |
| Section 25. Baggage Delay |
|
|
|
| Pays S$200 for each full 8 consecutive hours that the Insured Person's baggage is delayed whilst overseas. |
S$1,000 |
S$1,000 |
S$1,000 |
| Section 26. Travel Documents |
|
|
|
| Pays the Insured Person's travel and hotel expenses including cost of obtaining replacement passports, travel tickets and other relevant travel documents. Loss of money due to theft is also covered (max. $300) |
S$5,000 |
S$5,000 |
S$3,000 |
| Section 27. Travel Delay |
|
|
|
| Pays S$100 for each full 8 consecutive hours of delay |
S$1,000 |
S$1,000 |
S$1,000 |
| Section 28. Travel Misconnection |
|
|
|
| Covers expenses incurred as a result of misconnection of conveyance. |
S$500 |
S$200 |
S$200 |
| Section 29. Kidnap & Hostage |
|
|
|
| Pays S$250 for loss of income for every 24 hours the insured is kidnapped whilst traveling overseas. |
S$10,000 |
S$5,000 |
S$3,000 |
| Section 30. Personal Liability Abroad |
|
|
|
| Covers the Insured Person against liability to third parties or damage to their property caused by his/her negligence. |
S$1,000,000 |
S$1,000,000 |
S$500,000 |
| |
|
|
|
| Section 31. Golf Advantage |
|
|
|
| a) Damage or Loss of Golfing Equipment |
S$750 |
S$500 |
S$500 |
| b) Hole-in-One |
S$250 |
NA |
NA |
| Section 32. Home Guard |
|
|
|
| Pays for damage (due to fire) to household contents per household of the residence which was left vacant for the full duration of the trip. |
S$5,000 |
S$5,000 |
NA |
| Section 33. Rental Vehicle Excess |
|
|
|
| Pays for the cost of the insurance excess of a car rented by the Insured Person if it is involved in an accident. |
S$750 |
S$500 |
NA |
| Section 34. Pet Care |
|
|
|
| Pays S$50 for each full 8 consecutive hours' delay of returning flight to Singapore; to cover additional cost incurred by the Insured PErson in having placed his/her cat or dog in a kennel/cattery or pet hotel. |
S$500 |
S$250 |
NA |
| Section 35. Cover in the event of Terrorism |
|
|
|
| Sections 1 through 34 of this policy are applicable if they occur as the result of an Act of Terrorism whilst the Insured Person is overseas. |
Yes |
Yes |
Yes |
|
|
Back to top
WORLDWIDE
| 1 - 3 |
S$84 |
S$187 |
S$56 |
S$128 |
S$39 |
S$88 |
| 4 - 6 |
S$103 |
S$228 |
S$69 |
S$152 |
S$56 |
S$119 |
| 7 - 10 |
S$120 |
S$267 |
S$80 |
S$178 |
S$70 |
S$152 |
| 11 - 14 |
S$154 |
S$352 |
S$105 |
S$235 |
S$90 |
S$199 |
| 15 - 18 |
S$183 |
S$403 |
S$122 |
S$269 |
S$103 |
S$225 |
| 19 - 22 |
S$209 |
S$462 |
S$139 |
S$308 |
S$123 |
S$270 |
| 23 - 27 |
S$226 |
S$507 |
S$150 |
S$338 |
S$139 |
S$305 |
| 28 - 31 |
S$243 |
S$548 |
S$162 |
S$365 |
S$150 |
S$335 |
| each additional week |
S$43 |
S$102 |
S$29 |
S$68 |
S$23 |
S$48 |
| Annual Plan |
S$600 |
S$999 |
S$390 |
S$690 |
NA |
NA |
Family Plan
- Single Trip Coverage: For 1 or 2 adults travelling with any number of children. The 2 adults need not to be related but each child must be related to either of the insured adults. The family must travel and return together.
- Annual Coverage: For a legally married couple and any number of children. Each child must be accompanied by either of the insured adults under this plan for any trips made during the Policy Period.
- Children under any Plan throughout the Policy Period must be unmarried and under 18 years of age or up to 23 years if studying full-time in a recognised institute of higher learning.
Trip Duration
- Single Trip Coverage: The maximum length of each insured trip is 182 days.
- Annual Coverage: The insured policyholder(s) will be covered for an unlimited number of trips made during the Policy Period. The maximum length of each insured trip is 90 days.
Commencement of Coverage
- Travel Cancellation (Section 16) is effective either:
(a) 30 days before the date of departure, or
(b) from the date of purchase which must be at least 7 days before the departure date for this benefit to respond, whichever is later.
- Personal Accident Protection (section 13) commences 3 hours before the insured person(s) leave(s) Singapore and cease(s) whenever any of the following occurs first:
(a) when the period specified in the policy has expired,
(b) when the insured person(s) return(s) to his/her/their permanent place of residence, or
(c) within 3 hours upon arrival back in Singapore.
Duplicate Coverage & Refund
- If the insured person is covereed by more than 1 policy underwritten by the company for the same trip, the Company will consider the person to be insured only under the Policy which provides the highest benefit level.
- No refund of premium is allowed once the Policy has been issued.
Main Exclusions (Complete details of policy exclusions are listed in the Policy)
- AIDS; mental or nervous disorders; suicide or self-inflicted injuries.
- Childbirth.
- Gemstones.
- Flight duty (expect as a passenger) or manual work.
- Any pre-existing condition for which the insured person
(a) received medical treatment, diagnosed consultation or prescrived drugs, or
(b) had a condition (for which medical advice or treatment was recommended by a qualified medical practitioner) which was not covereed whiin a 12-month period preceding the effective date of the Policy.
| Section 1. Medical & Accidental Dental Expenses Insurred Overseas |
| Insured Person before the attainment of seventy (70) years and below |
Unlimited |
S$500,000 |
S$250,000 |
| Insured Person upon attainment of seventy (70) years and above |
S$100,000 |
S$100,000 |
S$100,000 |
| Insured Child before the attainment of 18 years or 23 years if studying full time in a recognized Institution |
S$200,000 |
S$200,000 |
S$200,000 |
| Section 2. Medical Expenses Incurred in Singapore |
| Insured Person before the attainment of 70 years and below. |
S$50,000 |
S$25,000 |
S$12,500 |
| Insured Person upon attainment of 70 years and above |
S$5,000 |
S$2,500 |
S$1,000 |
| Insured Child before the attainment of 18 years or 23 years if studying full time in a recognized institution of higher learning. |
S$10,000 |
S$10,000 |
S$10,000 |
| Section 3. Medical Expenses - Womenh Benefit |
| Incurred overseas due to Pregnancy Related Sickness. |
S$8,000 |
S$5,000 |
S$2,000 |
| Section 4. Treatment by Traditional Chinese Medicine (TCM) |
| Covers Traditional Chinese Medicine (TCM) treatment from a recognised (TCM) Physician. |
S$500 |
S$300 |
S$100 |
| Section 5. Overseas Hospital Income |
| Pays S$200 for every complete day the insured Person is hospitalized overseas |
S$50,000 |
S$30,000 |
S$10,000 |
| Section 6. Hospital Income in Singapore |
| Pays S$100 for every complete day the insured Person is hospitalized in Singapore. |
S$1,000 |
S$1,000 |
S$500 |
| Section 7. Emergency Medical Evacuation |
| Covers all American International Assistance Services (AIAS) Emergency Medical Evacuation expenses. |
Unlimited |
Unlimited |
S$500,000 |
| Section 8. Repatriation |
| Covers all AIAS expenses incurred in returning the remains of the Inured Person, who suffered loss of life during the trip, to Singapore. |
Unlimited |
Unlimited |
S$30,000 |
| Section 9. Direct Repatriation |
| Covers all AIAS expenses incurred in returning the remains of the Inured Person who suffered loss of life during the trip to home country. |
Unlimited |
S$30,000 |
S$15,000 |
| Section 10. Hospital Visitation |
| Pays for the incidental expenses for the visit of one relative or friend if the Insured Person cannot be evacuated and requires hospitalization for more than 5 days whilst overseas. |
S$10,000 |
S$5,000 |
S$3,000 |
| Section 11. Compassionate Visit |
|
|
|
| Pays for the incidental expenses of sending one relative or friend if assistance is required to assist in repatriation arrangement of the Insured Person's remains. |
S$10,000 |
S$5,000 |
S$3,000 |
| Section 12. Child Guard |
|
|
|
| Pays for one relative ore friend to accompany the Insured Person's children hom following hospitalization of the Insured Person. |
S$10,000 |
S$5,000 |
S$3,000 |
| Section 13. Emergency Telephone Charges |
| Reimburses telephone charges for Medical related services in contacting American International Assistance Services (AIAS). |
S$250 |
S$100 |
S$100 |
| Section 14. Automatic Extension of Policy Period |
| Covers automatic extension of this policy up to 30 days without additional premium due to hospitalization or Quarantined of the Insured Person. |
Yes |
Yes |
Yes |
| |
|
|
|
| Section 15. Accidental Death & Disablement |
| Insured Person before the attainment of seventry (70) years and below |
S$500,000 |
S$200,000 |
S$150,000 |
| Insured Person upon attainment of seventy (70) years and above |
S$200,000 |
S$100,000 |
S$50,000 |
| Insured Child before the attainment of 18 years or 23 years if studying full time in a recognized institution of higher learning. |
S$100,000 |
S$100,000 |
S$50,000 |
| Section 16. Public Transport Double Cover |
|
|
|
| Insured Person before the attainment of seventry (70) years and below |
S$1,000,000 |
S$400,000 |
NA |
| Insured Person upon attainment of seventy (70) years and above |
S$400,000 |
S$200,000 |
NA |
| Insured Child before the attainment of 18 years or 23 years if studying full time in a recognized institution of higher learning. |
S$200,000 |
S$200,000 |
NA |
| Section 17. Child Education Grant |
|
|
|
| Pays for each legally dependent child (before the attainment of 23 years and below) studying as a full-time student in a recognized institution of learning as a result of accidental loss of life or the Insured Person. |
S$5,000 |
S$5,000 |
NA |
| |
|
|
|
| Section 18. Travel Cancellation |
|
|
|
| Covers loss of irredeemable travel and accommodation expenses paid in advance and occurring up to 30 days prior to departure from Singapore. |
S$15,000 |
S$10,000 |
S$5,000 |
| Section 19. Travel Postponement |
|
|
|
| Covers additional administrative charges for travel and accommodation expenses paid in advance and occurring up to 30 days prior to departure from Singapore. |
S$2,000 |
S$1,000 |
S$500 |
| Section 20. Loss of Travel Deposit |
|
|
|
| Covers the Insured for loss of travel deposit in the event of financial collapse of a Singapore registered Travel agent. |
S$500 |
S$250 |
N/A |
| Section 21. Travel Curtailment including Aircraft Hijacking |
Covers additional travel or accommodation expenses
incurred or forfeited after the commencement of the trip |
S$15,000 |
S$10,000 |
S$5,000 |
| Section 22. Travel Interruption |
|
|
|
| Covers the unused portion of the trip due to the hospitalization of the Insured Person. |
S$8,000 |
S$5,000 |
S$3,000 |
| Section 23. Personal Baggage including Laptop Computer |
| Covers loss or damage to baggage, clothing, personal effects, Laptop Computer (max. S$500 for any one article or pair or set of Articles. Max. for Laptop Computer is S$1,000). |
S$5,000 |
S$5,000 |
S$3,000 |
| Section 24. Jewellery Coverage |
|
|
|
| Compensates the loss of jewellery whilst overseas due to robbery. |
S$750 |
S$500 |
NA |
| Section 25. Baggage Delay |
|
|
|
| Pays S$200 for each full 8 consecutive hours that the Insured Person's baggage is delayed whilst overseas. |
S$1,000 |
S$1,000 |
S$1,000 |
| Section 26. Travel Documents |
|
|
|
| Pays the Insured Person's travel and hotel expenses including cost of obtaining replacement passports, travel tickets and other relevant travel documents. Loss of money due to theft is also covered (max. $300) |
S$5,000 |
S$5,000 |
S$3,000 |
| Section 27. Travel Delay |
|
|
|
| Pays S$100 for each full 8 consecutive hours of delay |
S$1,000 |
S$1,000 |
S$1,000 |
| Section 28. Travel Misconnection |
|
|
|
| Covers expenses incurred as a result of misconnection of conveyance. |
S$500 |
S$200 |
S$200 |
| Section 29. Kidnap & Hostage |
|
|
|
| Pays S$250 for loss of income for every 24 hours the insured is kidnapped whilst traveling overseas. |
S$10,000 |
S$5,000 |
S$3,000 |
| Section 30. Personal Liability Abroad |
|
|
|
| Covers the Insured Person against liability to third parties or damage to their property caused by his/her negligence. |
S$1,000,000 |
S$1,000,000 |
S$500,000 |
| |
|
|
|
| Section 31. Golf Advantage |
|
|
|
| a) Damage or Loss of Golfing Equipment |
S$750 |
S$500 |
S$500 |
| b) Hole-in-One |
S$250 |
NA |
NA |
| Section 32. Home Guard |
|
|
|
| Pays for damage (due to fire) to household contents per household of the residence which was left vacant for the full duration of the trip. |
S$5,000 |
S$5,000 |
NA |
| Section 33. Rental Vehicle Excess |
|
|
|
| Pays for the cost of the insurance excess of a car rented by the Insured Person if it is involved in an accident. |
S$750 |
S$500 |
NA |
| Section 34. Pet Care |
|
|
|
| Pays S$50 for each full 8 consecutive hours' delay of returning flight to Singapore; to cover additional cost incurred by the Insured PErson in having placed his/her cat or dog in a kennel/cattery or pet hotel. |
S$500 |
S$250 |
NA |
| Section 35. Cover in the event of Terrorism |
|
|
|
| Sections 1 through 34 of this policy are applicable if they occur as the result of an Act of Terrorism whilst the Insured Person is overseas. |
Yes |
Yes |
Yes |
|
|
