Comprehensive Coverage
| PERSONAL ACCIDENT |
COMPREHENSIVE |
ESSENTIAL |
Section 1
Accidental Death Enhanced |
Adult up to 70 yrs |
S$400,000 |
S$200,000 |
| Adult above 70 yrs |
S$200,000 |
S$100,000 |
| Child |
S$100,000 |
S$50,000 |
Section 2
Total & Permanent Disablement Enhanced |
Adult up to 70 yrs |
S$500,000 |
S$250,000 |
| Adult above 70 yrs |
S$250,000 |
S$125,000 |
| Child |
S$100,000 |
S$50,000 |
Section 3
Double Public Transport Coverage New
Personal Accident coverage doubles if the accident occurs while travelling on a regularly scheduled public transport |
Adult up to 70 yrs |
S$800,000 |
S$400,000 |
| Adult above 70 yrs |
S$400,000 |
S$200,000 |
| Child |
S$200,000 |
S$100,000 |
Section 4
Tuition Grant for each Dependent Child Enhanced
Lump sum payable as a result of Accidental Death of Main Insured (up to 4 children)
|
S$8,000 |
S$4,000 |
| MEDICAL & DENTAL EXPENSES |
COMPREHENSIVE |
ESSENTIAL |
| OUTSIDE SINGAPORE (within 365 days from date of incident) |
Section 5
Medical Expenses
Reimburses expense incurred as a result of accident or sickness whilst overseas. Also pays for treatment by Chinese physician |
Adult up to 70 yrs |
S$500,000 |
S$250,000 |
| Adult above 70 yrs |
S$250,000 |
S$125,000 |
| Child |
S$500,000 |
S$250,000 |
Section 6
Pregnancy Related Expenses New
Reimburses medical expenses incurred as a result of pregnancy related sickness whilst overseas |
S$8,000 |
S$4,000 |
Section 7
Overseas Hospital Allowance Enhanced
Pays $200 for each complete day you are hospitalized overseas |
S$15,000 |
S$7,500 |
Section 8
Hospital Visit Benefit Enhanced
Pays for the necessary incurred expenses for one relative or friend to visit you following your hospitalization whilst overseas |
Return Economy Ticket & Accommodation |
Section 9
Compassionate Visit Enhanced
Pays for the necessary incurred expenses for one relative or friend to assist in the final arrangements in the event of your death |
Return Economy Ticket & Accommodation |
Section 10
Child Care Benefit
Pays for one relative or friend to accompany your children back to Singapore following your hospitalization whilst overseas |
Return Economy Ticket & Accommodation |
Section 11
Special Grant Enhanced
Pays when an Insured Person dies from an injury or illness whilst overseas |
S$8,000 |
S$4,000 |
| IN SINGAPORE |
Section 12
Medical Expenses
a) Reimburses for follow-up medical treatment within 90 days from return date
b) Reimburses for necessary medical treatment sought within 5 days upon return to Singapore, if treatment not sought overseas, and up to 90 days following your return from overseas |
S$10,000 |
S$5,000 |
| EMERGENCY MEDICAL ASSISTANCE AND EVACUATION |
COMPREHENSIVE |
ESSENTIAL |
Section 13
Emergency Medical Evacuation |
Unlimited |
Section 14
Emergency Medical Repatriation |
Unlimited |
Section 15
Local Burial / Repatriation of Mortal Remains Back to Singapore
Pays for the cost of burial or cremation overseas in the locality where death occurs or the expenses of transporting the mortal remains back to Singapore
|
Unlimited |
| TRAVEL INCONVENIENCE |
COMPREHENSIVE |
ESSENTIAL |
Section 16
Baggage & Personal Effects including Valuables Enhanced
Maximum $800 for any one article or pair or set of articles and $500 for any one article or pair or set of valuables |
S$5,000 |
S$2,500 |
Section 16A
Laptop, Wireless Handheld Device and Mobile Phone New
Maximum $1,000 for any one article or pair or set of articles |
S$1,500 |
S$750 |
Section 17
Purchase of Essential Items New
Reimburses you for emergency purchase of essential personal items if baggage is stolen or lost, up to $50 for any
one article or pair or set of articles |
S$500 |
S$250 |
Section 18
Baggage Delay Enhanced
Pays $200 for each 6 consecutive hours that your baggage is delayed |
S$1,000 |
S$500 |
Section 19
Personal Money & Travel Documents
Pays for travel & accommodation expenses including cost of obtaining replacement passports, travel tickets and other relevant travel documents. Cover loss of money due to theft, robbery or burglary up to $500 |
S$5,000 |
S$2,500 |
Section 20
Loss of Credit Card New
Pays you for unauthorized usage on your credit card |
S$200 |
S$100 |
Section 21
Personal Liability
Indemnifies you for legal liability towards third parties or damage to property due to your negligence |
S$1,000,000 |
S$500,000 |
Section 22
Loss of Deposit or Cancellation
Reimburses you for unredeemable travel & accommodation expenses paid in advance and occurring within 30 days before the trip. This cover extends to include unrest in planned destination |
S$10,000 |
S$5,000 |
Section 23
Replacement Traveller
Reimburses you for administrative costs incurred to replace a travel companion |
S$500 |
S$250 |
Section 24
Financial Collapse of Travel Agency New
Reimburses you for travel deposit paid in advance to any NATAS travel agency in the event of the financial collapse of the agency |
S$2,500 |
S$1,250 |
Section 25
Travel Delay Enhanced
Pays $100 for each full 6 consecutive hours of delay |
S$1,000 |
S$500 |
Section 26
Flight Diversion New
Pays $100 for each full 6 consecutive hours if your flight is diverted to another location due to bad weather |
S$1,000 |
S$500 |
Section 27
Trip Curtailment
Reimburses you for additional travel & accommodation expenses incurred or forfeited, if it is necessary and unavoidable
for you to curtail your trip |
S$10,000 |
S$5,000 |
Section 28
Overbooked Flight
Reimburses you for expenses incurred for additional accommodation, meals or refreshment |
S$200 |
S$100 |
Section 29
Flight Misconnection
Reimburses you for expenses incurred for additional accommodation, meals or refreshment |
S$200 |
S$100 |
Section 30
Rental Car Excess
Reimburses you for any excess or deductible which you become legally liable to pay in respect of loss or damage to
rental vehicle during the rental period |
S$1,000 |
S$500 |
Section 31
Emergency Personal Mobile Phone Charges
Reimburses you up to $50 per day for a maximum of 5 days |
S$250 |
S$125 |
Section 32
Lost of Sports Equipment New
Pays for loss of any one article or pair or set of sports equipment |
S$750 |
S$375 |
| TRAVEL SECURITY |
COMPREHENSIVE |
ESSENTIAL |
Section 33
Hijacking Enhanced
Pays $500 for each full 6 consecutive hours of hijack |
S$5,000 |
S$2,500 |
Section 34
Kidnap & Hostage New
Pays $500 for each full 24 consecutive hours of kidnap & hostage |
S$10,000 |
S$5,000 |
Section 35
Home Care Benefit Enhanced
Pays for damages to your home's contents as a result of fire while you are overseas |
S$5,000 |
S$2,500 |
Section 36
Pet Care New
Pays up to $50 for each full 8 consecutive hours of delay in collecting your pet in a kennel or pet hotel |
S$500 |
S$250 |
Section 37
Full Terrorism Cover
Extension to cover Terrorism including losses caused by terrorist attacks using nuclear, chemical and / or biological substances |
Yes |
Yes |
| GOLF BENEFIT |
COMPREHENSIVE |
ESSENTIAL |
Section 38
Golf Equipment Enhanced
Maximum $1,000 for any one article or pair or set of articles |
S$1,500 |
S$750 |
Section 39
Hired Golf Equipment New
Reimburses you up to $50 per day for the rental of golf equipment |
S$500 |
S$250 |
Section 40
Hole-in-One New
Reimburses you for entertainment expenses incurred for hole-in-one |
S$300 |
S$150 |
PREMIUMS
INDIVIDUAL PLAN |
|
Trip Duration (days)
|
ASEAN
|
ASIA
|
GLOBAL
|
|
Comprehensive
|
Essential
|
Comprehensive
|
Essential
|
Comprehensive
|
Essential
|
|
1
|
30
|
22
|
40
|
28
|
54
|
38
|
|
2
|
30
|
22
|
40
|
28
|
54
|
38
|
|
3
|
30
|
22
|
40
|
28
|
54
|
38
|
|
4
|
36
|
25
|
48
|
34
|
68
|
55
|
|
5
|
36
|
25
|
48
|
34
|
68
|
55
|
|
6
|
36
|
25
|
48
|
34
|
68
|
55
|
|
7
|
49
|
32
|
65
|
45
|
80
|
70
|
|
8
|
49
|
32
|
65
|
45
|
80
|
70
|
|
9
|
50
|
33
|
65
|
45
|
80
|
70
|
|
10
|
50
|
33
|
65
|
45
|
80
|
70
|
|
11 to 14
|
66
|
45
|
82
|
56
|
105
|
90
|
|
15 to 18
|
80
|
58
|
95
|
68
|
126
|
106
|
|
19 to 22
|
90
|
68
|
105
|
80
|
143
|
123
|
|
23 to 27
|
100
|
80
|
122
|
88
|
156
|
143
|
|
28 to 31
|
110
|
90
|
132
|
100
|
168
|
153
|
|
Add Per week
|
18
|
14
|
18
|
18
|
18
|
18
|
|
FAMILY PLAN
|
|
Trip Duration (days)
|
ASEAN
|
ASIA
|
GLOBAL
|
|
Comprehensive
|
Essential
|
Comprehensive
|
Essential
|
Comprehensive
|
Essential
|
|
1
|
71
|
48
|
90
|
69
|
136
|
92
|
|
2
|
71
|
48
|
90
|
69
|
136
|
92
|
|
3
|
71
|
48
|
90
|
69
|
136
|
92
|
|
4
|
90
|
63
|
118
|
91
|
161
|
127
|
|
5
|
90
|
63
|
118
|
91
|
161
|
127
|
|
6
|
90
|
63
|
118
|
91
|
161
|
127
|
|
7
|
118
|
79
|
157
|
115
|
191
|
163
|
|
8
|
118
|
79
|
157
|
115
|
191
|
163
|
|
9
|
119
|
80
|
157
|
115
|
191
|
163
|
|
10
|
119
|
80
|
157
|
115
|
191
|
163
|
|
11 to 14
|
158
|
103
|
192
|
141
|
250
|
210
|
|
15 to 18
|
190
|
128
|
230
|
164
|
288
|
243
|
|
19 to 22
|
225
|
142
|
255
|
183
|
333
|
288
|
|
23 to 27
|
236
|
170
|
287
|
198
|
368
|
328
|
|
28 to 31
|
280
|
190
|
302
|
218
|
398
|
363
|
|
Add Per week
|
45
|
34
|
50
|
40
|
68
|
52
|
|
|
| Geographical Coverage |
Asean
Insured for travel within Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand & Vietnam
Asia
Insured for travel within Australia, China, Hong Kong, India, Japan, Korea, Macau, Mongolia, New Zealand, Sri Lanka, Taiwan, Timor-Leste & countries under ASEAN plan
Global
Insured for travel for rest of the world including Nepal, Tibet & countries under ASEAN & ASIA plans |
|
| Eligibility for Cover |
- Singapore Citizens, Permanent Residents of Singapore, Employment Pass/Work Permit/Dependent Pass/Student Pass Holders
- Family refers to you and/or your spouse with any number of your children
- Child/Children refers to your child who is unmarried and unemployed under the age of 18 years or up to 25 years who is studying full-time in a recognized institution of higher learning.
|
|
Commencement of Coverage
All trips must start and end in SingaporeCover must be effected before departure from Singapore
|
|
Calculation of Premium
If the same trip involves travel to a few countries and hence crossing area of travel, premium will be calculated based on the area of travel with the higher premium. |
|
Maximum Duration of Trip(s)
The maximum duration allowed under SmartTraveller is 182 days per trip |
|
| What’s not Covered |
1. War and kindred risks, government acts, nuclear hazards and direct participation in terrorist acts.
2. Professional sports, racing, motor sports, mountaineering, underwater activities except leisure scuba diving, flying as a pilot or crewmember or other hazardous pursuits.
3. Unreasonable care and attention; self-inflicted injury or illness, alcoholism or drug abuse; AIDS or AIDS Related Complex
4. Pre-existing conditions within 6 months before the commencement of the trip. |
Apply now!
|
