General Insurance

Travel Insurance — Benefits

Table of Cover
Anything can happen even on the most well-planned trips, that is why we have given careful thought on how we can give you a comprehensive travel insurance coverage for your travel needs.

Travel inconvenience benefits Maximum benefit (S$) per insured person per trip
Deluxe Classic
Section 1 Cancelling your trip 10,000 5,000
Section 2 Postponing your trip 1,000 500
Section 3 Shortening your trip Overall section limit: 10,000

Limit for additional expenses to return to Singapore: 2,000
Overall section limit: 5,000

Limit for additional expenses to return to Singapore: 1,000
Section 4 Trip disruption Overall section limit:
2,000

Limit for accomodation expenses 400 per room night
Overall section limit:
1,000

Limit for accomodation expenses 400 per room night
Section 5 Travel delay Overall section limit: 1,000
1. While overseas 100 for every six hours of delay
2. While in Singapore 150 (after six hours of delay)
Section 6 Missed connections 200 100
Section 7 Overbooked public transport 200 100
Section 8 If the travel agency becomes insolvent 3,000 2,000
Section 9 Baggage delay Overall section limit: 1,000
1  Adult 200 for every six hours of delay
2  Child 50 for every six hours of delay
Baggage delay when arriving in Singapore
1  Adult 200 (after six hours of delay)
2  Child 50 (after six hours of delay)
Section 10 Loss or damage of baggage and personal belongings  Overall section limit: 5,000

Limit for watches, jewellery or valuables: 500 in total

Limit for laptop: 1,000

Limit for other items: 500 for each item, set or pair
Overall section limit: 3,000

Limit for watches, jewellery or valuables: 200 in total

Limit for laptop: 1,000

Limit for other items: 500 for each item, set or pair
Section 11 Losing money
1  Adult 250
2  Child 100
Section 12 Losing travel documents Overall section limit: 5,000

Limit for accommodation expenses:
400 per room night
Overall section limit: 3,000

Limit for accommodation expenses:
400 per room night
Personal accident and medical expenses benefits
Section 13 Personal accident
1  Adult 70 years old or over Does not apply 50,000
2  Adult under 70 years old 200,000 150,000
3  Child 75,000 50,000
Or
Public transport double cover for accidental death
1  Adult 70 years old or over Does not apply Does not apply
2  Adult under 70 years old 400,000 Does not apply
3  Child 150,000 Does not apply
Scale of compensation Percentage of benefit limit
a  Accidental death 100%
b  Permanent total disability 100%
c  Losing two or more limbs 100%
d  Losing sight in both eyes 100%
e  Losing one limb 50%
f  Losing sight in one eye 50%
g  Losing speech 50%
h  Losing hearing 50%
The total compensation from a to h will not be more than the maximum benefit limit.
Section 14 Medical expenses overseas Overall section limit: Overall section limit:
1  Adult 70 years old or over Does not apply 250,000 (Combined limit for sections 14, 18 and 19)
2  Adult under 70 years old 500,000 250,000
3  Child 200,000 150,000
Refund for medical aids and equipment Limit: 1,000 Limit: 500
Section 15 Medical expenses in Singapore Overall section limit: Overall section limit:
1  Adult 70 years old or over Does not apply 1,000
2  Adult under 70 years old 25,000 12,500
3  Child 10,000 10,000
Refund for medical aids and equipment Limit: 1,000 Limit: 500
Section 16 Treatment by a Chinese medicine practitioner or a chiropractor 300
Section 17 Overseas hospital allowance 20,000
(200 a day)
10,000
(100 a day)
Section 18 Emergency medical evacuation
1  Adult 70 years old or over Does not apply See section 14
2  Adult under 70 years old Unlimited 500,000
3  Child Unlimited 500,000
Section 19 Sending you home
1  Adult 70 years old or over Does not apply See section 14
2  Adult under 70 years old Unlimited 50,000
3  Child Unlimited 50,000
Section 20 Compassionate visit Overall section limit: 10,000

Limit for accommodation expenses:
400 per room night
Overall section limit: 5,000

Limit for accommodation expenses:
400 per room night
Other Benefits
Section 21 Kidnap and hostage 5,000
(200 for every 24 hours)
3,000
(100 for every 24 hours)
Section 22 Emergency phone charges 150 100
Section 23 Home cover 5,000

Limit per item: 500 for each item, set or pair
3,000

Limit per item: 500 for each item, set or pair
Section 24 Personal liability 1,000,000 500,000
Section 25 Rental vehicle excess cover 1,500
Section 26 Full terrorism cover
(for sections 1 to 25)
1  Adult 70 years old or over Does not apply 50,000
2  Adult under 70 years old 200,000 150,000
3  Child 75,000 50,000

IMPORTANT NOTES

This is for general information only. You can find the usual terms and conditions of this plan at www.income.com.sg/forms/insDocument/Travel.pdf.

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 NTUC Income or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

Information is correct as of 10 January 2014

Call 96INCOME / 6788 1222 Email product@income.com.sg
Visit Branch/ Client Advisory Centre Contact Insurance Adviser

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