Frequently Asked Questions
Personal accident, medical expenses & emergency medical evacuation
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Q:Who is entitled to receive the insurance benefit under my policy in the event of a death claim?
A:We will pay the benefit sum to the estate of the deceased provided that the claim is admissible.
If a Will or a Letter of Administration is available, we will pay out the claim to the nominated person(s) accordingly. Otherwise, we will pay out the claim according to Intestate Succession Act.
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Q:Can I claim for medical expenses due to sickness?
A:Yes you can if you have purchased the optional sickness coverage under the policy.
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Q:I have more than one personal accident policy with a few insurance companies. If I were to meet with an accident, am I entitled to claim medical expenses from all the insurance companies?
A:In the event that the medical bill has been fully reimbursed to you, you will not be able to claim under Overseas Study Protection Plan. However, if the medical bill is partially settled, you can claim for the remaining amount or up to the policy limit as specified under your policy, whichever is lower.
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Q:Who decides when emergency evacuation is necessary?
A:This decision is made in consultation with the treating doctor, our medical advisor and medical emergency assistance provider.
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Q:When is emergency medical evacuation activated?
A:It is activated when the facilities of the overseas treatment centre are unable to treat you for your injuries / sickness / disease and your medical condition is deemed severe and requires to be evacuated to the nearest centre of excellence for treatment. In such case, we will pay the reasonable cost of transportation and en-route medical case and supplies necessarily incurred whilst overseas.
Compassionate visit study interruptions
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Q:If I am sick and have to be hospitalised whilst overseas, will the policy reimburse the transportation or accommodation expenses incurred by my family member who visits me?
A:Yes, we will reimburse you the reasonable cost of a round trip economy class air ticket and necessary accommodation expenses incurred by one family member *. This is provided that you are hospitalised for at least five consecutive days and on the written advice of a qualified medical practitioner.
* “Family member” in this policy means the insured’s parents, brothers or sisters, husband or wife, child or parents-in-law.
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Q:If my family member is hospitalised or there is a death in my family, can I claim for my trip back to Singapore? What about my travelling expenses back to my school after the event?
A:Yes, you can claim for the reasonable cost of a round trip economy-class transport incurred for returning home or to the location of the family member 1 concerned. This is provided that the family member* concerned is either hospitalised for five or more consecutive days or in the event of his / her death.
* “Family member” in this policy means the insured’s parents, brothers or sisters, husband or wife, child or parents-in-law.
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Q:If I am hospitalised due to injury / sickness or there is a death of a family member that prevents me from continuing my studies overseas, will I be compensated for the school fees already paid to the institution?
A:Yes, you will be compensated provided that you are hospitalised for more than a month or the death occurs to one of your family member *. You will be compensated based on the non-refundable tuition fees which you have paid in advance to the institution only.
* “Family member” in this policy means the insured’s parents, brothers or sisters, husband or wife, child or parents-in-law.
Baggage personal effects
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Q:Can I claim for my damaged baggage that has been repaired by the airlines?
A:No, the Overseas Study Protection Plan excludes loss or damaged item covered under any other insurance policies or which had be reimbursed by the carrier, hotel, tour operator, travel agency or others.
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Q:If I have misplaced my purchase receipts, can I still claim for loss of personal items?
A:Yes, you can still submit the claim for our review.
You should take note that in the absence of the original purchase receipts, it is more difficult for us to accurately assess their value. This may result in a further revision of the claim payout after adjusting for depreciation or wear and tear.