|
|
|
| Introduction
|
| |
| Stop
worrying about unwelcome surprises like medical and hospital
expenses incurred as a result of accident or sickness
whilst overseas and even emergency medical evacuation
& repatriation. |
| |
| Your
travel insurance protects you financially in case your
trip is cancelled or interrupted due to trip curtailment.
Your baggage & personal effects are also covered against
loss or damages. In case of Baggage Delay, you are reimbursed
for any emergency purchases of essential items |
|
| Accidents
can happen anywhere, even on a trip. Guard yourself against
any loss of personal money or documents. Give yourself
the assurance of 24-hour assistance in case you need to
replace a passport, locate medical facilities or find
a lawyer. |
| |
|
|
| Coverage |
| |
| As
part of the coverage, almost all the insurance companies
provide some hotline assistance as in the following:- |
- Visa
Information Service
-
Inoculation Information Service
- Embassy
Referral
- Legal
Referral
- Interpreter
Referral
- Emergency
Message Transmission Service
- Telephone
Medical Advice
- Medical
Service Provider Referral
- Arrangement
of Appointments with Doctors
-
Arrangement for Hospital Admission
- Monitoring
of Medical Condition during Hospitalisation
- Emergency
Medical Evacuation/Repatriation
- Repatriation
of Mortal Remains
|
|
Most insurance companies does not cover the following:
|
- Any
person above 65 years of age at the date of effecting
the policy
-
Acts of War
-
Nuclear and Radioactive Contamination
-
Participation in hazardous sports
-
Pregnancy or childbirth
-
Suicide or self-inflicted injury
- AIDS
or AIDS Related Complex
-
Pre-existing illness for which the Insured Person
had received medical treatment, diagnosis, consultation
or prescribed drugs during the 90 days preceding
the trip
- Loss
not reported to the police within 24 hours
- Medical
treatment being specific purpose of the trip
-
Death and injury in consequence of insanity, alcoholism
or the use of drugs
|
|
|
|
Example
of Travel Insurance Coverage
| Section |
Product
Features |
Individual
|
Family |
| 1. |
Personal
Accident |
S$100,000 |
S$100,000
(adult) S$25,000
(each child)
S$300,000 aggregate |
| 2. |
Medical
& Hospital Expenses incurred as a result of
injury or sickness whilst overseas
Medical
expenses incurred in Singapore for injury or sickness
sustained whilst overseas
Compassionate
Visit by a Close Relative if the Insured Person
cannot be evacuated following hospitalisation
for more than 1 week
Child
Assistance - pays for a Close Relative to accompany
the children home following hospitalisation of
the Insured Person
|
S$100,000
Up
to S$2,500 each Insured Person
Up
to S$5,000
Up
to S$5,000
|
Up
to S$200,000
Up
to S$7,500 per Family
Up
to S$5,000
Up
to S$5,000
|
| 3. |
Emergency
Medical Assistance |
S$1,000,000 |
S$1,000,000 |
| 4. |
Hospital
Daily Allowance |
S$150
per day Up to S$1,000 |
S$150
per day up to S$1,000
per Person and S$3,000
in the aggregate |
| 5. |
Baggage
& Personal Effects |
Up
to S$1,500 |
Up
to S$5,000 |
| 6. |
Delayed
Baggage |
Up
to S$500 |
Up
to S$1000 |
| 7. |
Personal
Money & Documents |
Money:
up to S$500 Travel Docs: up to S$1,000 |
Money:
up to S$1,000 Travel Docs: up to S$3,000 |
| 8. |
Personal
Liability |
Up
to S$1,000,000 |
Up
to
S$1,000,000 |
| 9. |
Loss
of Deposit |
Up
to S$5,000 |
Up
to S$10,000 |
| 10. |
Trip
Curtailment |
Up
to S$5,000 |
Up
to S$10,000 |
| 11. |
Aircraft
Hijacking |
S$1,000
per day per Insured Person
Up to S$5,000
in the aggregate |
S$1,000
per day per Insured Person
up to S$5,000
in the aggregate per Family |
|
|
|
|
|
