What is covered by my insurance?

You are heading off for the weekend or embarking on a round-the-world adventure, you can choose the cover that matches your trip.

You are heading off for the weekend or embarking on a round-the-world adventure, you can choose the cover that matches your trip. There is no need to pay for cover you simply do not need. We provide clear facts about the benefits and options so you can decide. Here are highlights of the included Benefits.

What is covered by:

Select your plan coverage:
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Personal Accident

· For Adult (below 65 years old)
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· For Adult (above 65 years old) & Child (up to 23 years old)
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Child Education Grant
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Medical Expenses (Overseas and In Singapore)

Covers Medical Expenses incurred Overseas as a direct result of Accidental Injury or Sickness, including Accidental Dental Expenses

· For Adult (below 65 years old)
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· For Adult (above 65 years old) & Child (up to 23 years old)
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Covers Traditional Chinese Medical Expenses incurred Overseas as a direct result of Accidental Injury or Sickness
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Covers Medical Expenses in Singapore up to 31 consecutive days, provided medical treatment has been sought Overseas

· For Adult (below 65 years old)
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· For Adult (above 65 years old) & Child (up to 23 years old)
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Reimbursement of travel expenses (economy return air travel) for one (1) of Your relatives or friends in Singapore to travel to the destination:

- If You are Confined in a Hospital Overseas and there is no one to accompany Your Child(ren) home or

- If You sustain Accidental Injury which result in death and no adult Family Member is with You to assist in the final arrangement.

 

Reimbursement of hotel accommodation and travel expenses (economy return air travel) for one (1) of Your relatives or friends to visit You if You are Confined in a Hospital Overseas for more than five (5) consecutive days and cannot be evacuated and there is no adult with You.

 

Reimbursement of additional accommodation expenses, meals and transportation expenses up to sub-limit of $75 per day for one (1) of Your travelling companions to stay with You till discharge if You are Confined in a Hospital Overseas for more than five (5) consecutive days and cannot be evacuated.
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Hospital confinement Overseas (Pays $200 a day for Hospital Confinement in Overseas)
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Hospital confinement in Singapore (Pays $200 a day for Hospital Confinement in Singapore)
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Covers Chubb Assistance expenses for Emergency Medical Evacuation

· For Adult (below 65 years old)
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· For Adult (above 65 years old) & Child (up to 23 years old)
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Covers Chubb Assistance expenses for the return of your mortal remains to Singapore or Home Country
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Covers the charges for personal mobile phone used for engaging the service of Chubb Assistance due to medical reason
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Liability

Covers You against legal liability to 3rd party for death or Accidental Injury or Accidental Property Damage due to negligence
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Covers the legal expenses due to false arrest or wrongful detention by any government
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Travel Inconveniences

Covers travel and accommodation expenses that have been paid in advance but which become forfeited due to Specified Causes that occur within 60 days prior to the departure date.
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Covers administrative charges incurred to postpone the Journey due to Specified Causes that occur within 60 days prior to departure date.
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Covers loss of deposits, advance payments for travel or accommodation expenses that were forfeited or additional administrative expenses to amend original travel ticket or additional travel expenses (limited to economy class fare) and reasonable accommodation expenses.
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Covers administrative charges incurred to replace a traveller due to Specified Causes that occur within 60 days prior to departure date.
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Covers deposit of loss of advance payment for travel and/or accommodation expenses due to financial default of a Registered Travel Agent in Singapore.
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Pays $100 for first 4 consecutive hours for delay when Overseas and $200 every 12 hours thereafter due to:
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(i) strike or industrial action;
(ii) adverse weather conditions;
(iii) due to grounding of the Public Conveyance as a result of mechanical breakdown, derangement or structural defect; or
(iv) any event leading to airspace restriction or airport closure
*Delay in Singapore is capped at $100 for first 4 hours of delay
**For Family Plan, regardless of number of Insured Persons, the max payout will be the max sum insured in accordance to the plan type purchased.

Covers loss or damage to baggage, personal effects, laptops and hand held computers (max $500 per article, max $1,000 for laptop and max $300 for Money)
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Pays $200 per 6 consecutive hours of delay in Overseas
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*Delay in Singapore is capped at $200 for 6 hours of delay
**For Family Plan, regardless of number of Insured Persons, the max payout will be the max sum insured in accordance to the plan type purchased.

Covers replacement cost of Travel Documents, including additional transport and accommodation expenses incurred for sole purpose of replacing the Travel Documents.
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Pays $100 per 6 consecutive hours
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Covers accommodation expenses that are forfeited due to Specified Causes under Travel Delay or due to a lockdown as publicly reported in general media.
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Others

Covers all sections of benefits directly due to any Act of Terrorism whilst on a Journey (except Journey Cancellation)
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24-Hour Worldwide Medical Emergency Assistance Hotline
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24-Hour Travel Advice Hotline
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Automatic Extension of cover*
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*Policy extension up to 30 days if You have been certified unfit to travel or You are Confined in a Hospital at policy expiry / Policy extension up to 7 days if the Public Conveyance is delayed due to Specified Causes, at no additional premium.

Life Event

Covers expenses that were paid in advance for Your wedding photo shoot in Overseas which becomes forfeited or administrative expenses incurred to postpone the wedding photo shoot due to Specified Causes
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Lifestyle

Covers up to 5 days of accommodation expenses as a result of Your usual place of residence becomes uninhabitable due to specified perils such as fire, explosions, burst water tanks.
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Covers non-refundable frequent flyer points due to Specified Causes
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Covers a rental vehicle excess due to an Accidental collision
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Covers cost of returning the rental vehice to nearest depot if You are Confined in a Hospital
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Covers forfeited or un-used portion of Entertainment Ticket(s) due to Specified Causes
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Golf

Covers for cost of food and beverages for purpose of celebrating Hole-In-One
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Covers for theft or damage to Golf Equipment
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Covers unused green fees that have been paid in advance due to Accidental Injury or Sickness
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Skiing

Loss or damage to Ski Equipment due to robbery, theft, burglary or any attempt thereof (max $1,000 per equipment)
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Pays $100 per day for closure of ski track/piste at the pre-booked resort due to bad weather or any unforeseen circumstances.
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Covers any non-refundable, pre-paid Ski Equipment hire, lift passes and unused ski school expenses due to Accidental Injury or Sickness
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Covers lost ski pass or ski lift pass due to robbery, theft, burglary or any attempt thereof
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Adventurous Sports

Covers death as a direct result of Accidental Injury or Accidental Injury sustained whilst engaging in the following adventurous activities:

Winter Sports
Snowboarding, Snow tubing, snow rafting, snow mobiling, glacier walking with qualified guide

Water Sports
Diving up to 40M (subject to PADI Certification), White water rafting of Grade 4 and above with a qualified guide

Biking Sports
Mountain Biking, Quad biking, Expedition Bicycle Touring, Motor biking

Outdoor Sports
Trekking/Mountain Trekking up to 4000Meters, 4 Wheel Driving Adventure.

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Post Journey Medical Expenses

Covers Medical Expenses incurred within 2 days after returning to Singapore, up to 31 consecutive days. Excess: S$50 for each and every claim.
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Personal Accident due to Terrorism

· For Adult (below 65 years old)
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· For Adult (above 65 years old) & Child (up to 23 years old)
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Personal Effects

Jewellery
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Sporting Equipment
(max per article, per set or pair of articles)
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Important Notes

  • *Saver plan is only applicable for Journeys to and from Malaysia, Batam Island and Bintan Island.
  • Please refer to the Policy Wording for the full terms, conditions and exclusions.

Policy Owners' Protection Scheme

This Policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for Your Policy is automatic and no further action is required from You. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Us or visit the GIA / LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg) 

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