CHARTIS travel Insurance [ Premium | Apply now!! ]
Comprehensive Coverage
Summary Of Benefits (S$)
| MEDICAL AND TRAVEL BENEFITS |
PREMIER | SUPERIOR | CLASSIC | |
| Section 1 Medical & Accidental Dental Expenses Incurred Overseas |
Adult up to 70 yrs |
S$2,000,000 |
S$500,000 |
S$200,000 |
| Adult above 70 yrs | S$75,000 | S$75,000 | S$500,000 | |
| Child | S$200,000 | S$200,000 | S$200,000 | |
| Section 2 Medical Expenses Incured in Singapore |
Adult up to 70 yrs |
S$50,000 |
S$25,000 |
S$10,000 |
| Adult above 70 yrs | S$5,000 | S$2,500 | S$1,000 | |
| Child | S$10,000 | S$10,000 | S$10,000 | |
| Section 3 Medical Expenses - Women's Benefit Incurred overseas due to Pregnancy Related Sickness |
S$8,000 |
S$5,000 |
S$2,000 |
|
| Section 4 Treatment by Chinese Physician Covers Chinese Physician treatment |
S$500 |
S$300 |
S$100 |
|
| Section 5 Overseas Hospital Income Pays S$200 for every complete day You are hospitalised overseas |
S$50,000 |
S$30,000 |
S$10,000 |
|
| Section 6 Hospital Income in Singapore Pays S$100 for every complete day You are hospitalised in Singapore |
S$1,000 |
S$1,000 |
S$500 |
|
| Section 7 Emergency Medical Evacuation Covers all Travel Guard Emergency Medical Evacuation expenses |
UNLIMITED |
UNLIMITED |
S$500,000 |
|
| Section 8 Repatriation Covers all Travel Guard expenses incurred in returning Your remains to Singapore in the event You suffer death during the Trip. |
UNLIMITED |
UNLIMITED |
UNLIMITED |
|
| Section 9 Direct Repatriation Covers all Travel Guard expenses incurred in returning Your remains to Your home country in the event You suffer death during the Trip. |
UNLIMITED |
UNLIMITED |
UNLIMITED |
|
| Section 10 Hospital Visitation Pays for the incidental expenses for the visit of one Relative or friend if You cannot be evacuated and require hospitalisation for more than 5 days, whilst overseas. |
S$15,000 |
S$10,000 |
S$5,000 |
|
| Section 11 Compassionate Visit Pays for the incidental expenses of sending one Relative or friend if assistance is required to assist in the repatriation arrangement of Your remains. |
S$10,000 |
S$5,000 |
S$3,000 |
|
| Section 12 Child Protector Pays for one Relative or friend to accompany Your children home following Your hospitalisation. |
S$10,000 |
S$5,000 |
S$3,000 |
|
| Section 13 Emergency Telephone Charges Reimburses You for telephone charges for medically related services incurred in contacting Travel Guard. |
S$250 |
S$250 |
S$100 |
|
| Section 14 Automatic Extension of Policy Cover Allows You automatic extension of this policy for up to 30 days without additional premium due to hospitalisation and quarantine. |
Yes | Yes | Yes | |
| PERSONAL ACCIDENT BENEFITS |
PREMIER | SUPERIOR | CLASSIC | |
| Section 15 Accidental Death & Permanent Disablement |
Adult up to 70 yrs |
S$500,000 |
S$200,000 |
S$150,000 |
| Adult above 70 yrs | S$200,000 | S$100,000 | S$50,000 | |
| Child | S$100,000 | S$100,000 | S$50,000 | |
| Section 16 Public Transport Double Cover |
Adult up to 70 yrs |
S$1,000,000 |
S$400,000 |
NA |
| Adult above 70 yrs | S$400,000 | S$200,000 | NA | |
| Child | S$200,000 | S$200,000 | NA | |
| Section 17 Child Education Grant Pays for each legally dependent child (before attaining 23 years and below) studying as a full-time student in a recognised institution of learning as a result of Your accidental loss of life. |
S$5,000 |
S$5,000 |
NA |
|
| TRAVEL INCONVENIENCE BENEFITS |
PREMIER | SUPERIOR | CLASSIC | |
| 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 due to death or serious injury/sickness of Insured or immediate family member; unexpected outbreak of strike, riot, serious damage to Insured’s residence as a result of fire, natural disaster and witness summons or jury service. |
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 due to death or serious injury/sickness of Insured or immediate family member; unexpected outbreak of strike, riot, serious damage to Insured’s residence as a result of fire, natural disaster, and witness summons or jury service. |
S$2,000 |
S$1,000 |
S$500 |
|
| Section 20 Travel Cancellation due to insolvency Covers the loss of irrecoverable charges or deposit paid in advance in the event of insolvency of airline; cruise-line; tour operator; or travel agent from which you purchased the trip. |
S$5,000 |
S$3,000 |
S$1000 |
|
| Section 21 Travel Curtailment including Aircraft Hijacking Covers additional travel or accommodation expenses incurred or forfeited after the commencement of the Trip in the event of serious injury/sickness of Insured; aircraft hijack whilst onboard; unexpected death or injury/sickness of immediate family member or travel companion; unexpected strike, riot, natural disaster; and quarantine. |
S$15,000 |
S$10,000 |
S$5,000 |
|
| Section 22 Travel Interruption Covers the unused portion of the trip due to Your hospitalisation whilst overseas. |
S$1,000 |
S$1,000 |
S$1,000 |
|
| Section 23 ravel Cancellation due to insolvency Covers loss or damage to baggage, clothing, personal effects, laptop computer (maximum $500 for any one article or pair or set of articles. Maximum for laptop computer is $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 |
S$100 |
|
| Section 25 Baggage Delay Pays $200 for each full 6 consecutive hours that Your baggage is delayed whilst overseas and in Singapore. |
S$1,000 |
S$1,000 |
S$1,000 |
|
| Section 26 Travel Documents Pays Your 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 (maximum $300). |
S$5,000 |
S$5,000 |
S$3,000 |
|
| Section 27 Travel Delay Pays $100 for each full 6 consecutive hours of delay whilst overseas and in Singapore. |
S$1,000 |
S$1,000 |
S$1,000 |
|
| Section 28 Flight Diversion Pays $100 for each 6 full consecutive hours if Your flight has been diverted to another destination whilst overseas due to adverse weather conditions. |
S$1,000 |
S$1,000 |
S$1,000 |
|
| Section 29 Flight Overbooking Pays $100 in the event You failed to board the scheduled flight due to an overbooking although You have a confirmed reservation from the airline for at least 6 consecutive hours. |
S$100 |
S$100 |
NA |
|
| Section 30 Travel Misconnection Covers expenses incurred as a result of misconnection of conveyance for at least 6 consecutive hours. |
S$500 |
S$200 |
S$200 |
|
| Section 31 Kidnap & Hostage Pays $250 for loss of income for every 24 hours You are kidnapped whilst on the Trip. |
S$10,000 |
S$5,000 |
S$3,000 |
|
| Section 32 Personal Liability Covers You against liability to third parties or damage to their property caused by Your negligence. |
S$1,000,000 |
S$1,000,000 |
S$100,000 |
|
| SUPPLEMENTARY BENEFITS |
PREMIER | SUPERIOR | CLASSIC | |
Section 33 |
S$750 |
S$500 |
S$500 |
|
| S$250 | S$250 | NA | ||
| S$250 | S$250 | NA | ||
| Section 34 Home Guard Pays for damage (due to fire) to Household Contents per residence which was left vacant for the full duration of the Trip. |
S$5,000 |
S$5,000 |
NA |
|
| Section 35 Rental Vehicle Excess Pays for the cost of the insurance excess of a car rented by You if it is involved in an accident. |
S$750 |
S$500 |
NA |
|
| Section 36 Pet Care Pays $50 for each full 8 consecutive hours’ delay of the returning flight to Singapore; to cover additional cost incurred by You placing Your cat or dog in a kennel/cattery or pet hotel. |
S$500 |
S$250 |
NA |
|
| Section 37 Disruption Benefits |
S$300 | S$200 | S$100 | |
| Section 38 Terrorism Cover Sections 1 through 38 of this Policy are applicable if they occur as the result of an Act of Terrorism whilst You are on a Trip. |
YES | YES | YES |
Automatic Extension of Policy New
* Allows automatic extension of the policy up to 30 days if you are hospitalized and / or quarantined overseas as advised by a Physician.
* Allows automatic extension of the policy up to 72 hours if any Scheduled Public Transport in which you are travelling is being unavoidably delayed.
| Premium quoted may be subjected to change without prior notice. | |||||||||
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47 |
34 |
26 |
64 |
45 |
33 |
89 |
64 |
43 |
|
60 |
42 |
2831 |
78 |
55 |
40 |
110 |
80 |
61 |
|
80 |
56 |
38 |
106 |
75 |
51 |
128 |
93 |
75 |
|
107 |
73 |
64 |
130 |
91 |
64 |
165 |
120 |
100 |
|
129 |
88 |
60 |
152 |
106 |
74 |
195 |
139 |
113 |
|
144 |
98 |
74 |
173 |
116 |
87 |
223 |
158 |
131 |
|
161 |
110 |
87 |
193 |
132 |
95 |
240 |
172 |
151 |
|
173 |
118 |
97 |
208 |
142 |
107 |
258 |
186 |
161 |
|
35 |
24 |
19 |
45 |
32 |
26 |
48 |
38 |
27 |
|
NA |
NA |
NA |
450 |
320 |
NA |
630 |
420 |
NA |
|
| Premium quoted may be subjected to change without prior notice. | |||||||||
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|
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|
|
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104 |
77 |
52 |
138 |
98 |
74 |
198 |
150 |
98 |
|
140 |
99 |
69 |
173 |
128 |
98 |
242 |
178 |
135 |
|
179 |
128 |
86 |
239 |
170 |
122 |
283 |
209 |
170 |
|
235 |
167 |
109 |
288 |
203 |
150 |
373 |
273 |
221 |
|
281 |
198 |
135 |
339 |
244 |
171 |
428 |
310 |
252 |
|
330 |
234 |
147 |
388 |
270 |
191 |
489 |
358 |
298 |
|
362 |
249 |
175 |
419 |
301 |
206 |
536 |
395 |
339 |
|
397 |
290 |
198 |
438 |
316 |
226 |
578 |
428 |
374 |
|
64 |
51 |
37 |
82 |
69 |
47 |
110 |
89 |
60 |
|
NA |
NA |
NA |
830 |
530 |
NA |
999 |
780 |
NA |
|
Geographical Coverage |
Asean |
|---|---|
Your Travel Guard Advantages |
• Flight diversion to another destination due to adverse weather conditions • Flight Overbooking • red24 - online Security Information and Advice • Takes care of your non-recoverable payment in the event of a Travel Agency insolvency • Baggage and Travel Delay claim whilst you are in Singapore and overseas for each full 6 consecutive hours • Unlimited Medical & Accident Dental Expenses For Premier Plan • Covers medical expenses incurred overseas due to Pregnancy related sickness • War Inclusion • Kidnap & Hostage • Looks after you when you are hospitalised in Singapore • Reimburses you for your mobile telephone call charges incurred overseas • Compensates you for loss of jewellery if you are robbed while travelling • Automatic Extension of Policy due to Hospitalisation / 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 travelling on public transport overseas. • Supplementary Benefits such as Golf Advantage and PetCare. • 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 for up to $750. • Provides cover for your household contents whilst you are away. • Protects 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. |
| What’s not Covered | Main Exclusions • AIDS; mental or nervous disorders; suicide or self-inflicted injuries. • Childbirth & Pregnancy (except Section 3). • Gemstones. • Flight duty (except as a passenger) or manual work. • Any pre-existing condition for which the Insured Person (a) received medical treatment, diagnosed consultation or prescribed drugs, or (b) had a condition (for which medical advice or treatment was recommended by a qualified medical practitioner) which was not covered within a 12-month period preceding the effective date of the Policy. Country Exclusion • American Home Assurance Company, Singapore Branch (AHA) will not cover any loss, injury, damage or legal liability arising directly or indirectly from travel in, to, or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan or Syria. |
| Details To Know | Family Plan • Single Trip Coverage: For 1 or 2 adults travelling with any number of children. The 2 adults need not 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 18) 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 15) 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 & Refund Coverage • If the Insured Person is covered 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. |