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Here's what you need to know.
Your claims must be made within 30 days of the insured incident.
All relevant documents and information must be submitted together with your claims.
It usually takes 14 working days to process your claims after all required documents are received. The processing time may be longer during travel peak period
Documents required for your claims submission.
- Flight itinerary which shows the date of departure and return to Singapore
- Tour itinerary and tour booking invoice or receipt
- Travel agency/airline written confirmation on the cost of non-refundable prepaid travelling expenses (including cancellation fees)
- Doctor memo or medical report stating onset date, cause, extent of and nature of injury or illness
- Written advice/medical certificate from a qualified attending medical practitioner confirming unfit to travel (for cases of serious injury or illness)
- Death certificate (where someone's death caused this cancellation)
- Proof of relationship between the person who is sick or who died
- Written confirmation from airline on the cause of flight cancellation (If your flight is cancelled by the airline)
- Scheduled and revised flight itinerary
- Tour itinerary and tour booking invoice or receipt
- Travel agency/airline written confirmation on the cost of non-refundable prepaid travelling expenses (including cancellation fees)
- Doctor memo or medical report stating onset date, cause, extent of and nature of injury or illness
- Written advice/medical certificate from a qualified attending medical practitioner confirming unfit to travel (for cases of serious injury or illness)
- Death certificate (where someone's death caused this cancellation)
- Proof of relationship between the person who is sick or who died
- Written confirmation from airline on the cause of flight cancellation (If your flight is cancelled by the airline)
- Scheduled and revised flight itinerary
- Tour itinerary and tour booking invoice or receipt
- Travel agency/airline written confirmation on the cost of non-refundable prepaid travelling expenses (including cancellation fees)
- Doctor memo or medical report stating onset date, cause, extent of and nature of injury or illness
- Written advice/medical certificate from a qualified attending medical practitioner confirming unfit to continue the trip (for cases of serious injury or illness)
- Death certificate (where someone's death caused this shortening)
- Proof of relationship between the person who is sick or who died
- Written confirmation from airline on the cause of flight cancellation (If your flight is cancelled by the airline)
- Flight itinerary, boarding pass or passport stamp which shows the date of departure and return to Singapore
- Tour itinerary and tour booking invoice or receipt
- Travel agency/airline written confirmation on the cost of non-refundable prepaid travelling expenses (including cancellation fees)
- Written advice/medical certificate from a qualified attending medical practitioner confirming unfit to travel (for cases of serious injury or illness)
- Medical report or doctor memo stating onset date, cause, extent of and nature of injury or illness
- Proof of relationship between the person who is sick
- Written confirmation from airline on the cause of flight cancellation (If your flight is cancelled by the airline)
Travel delay
- Scheduled and revised flight itinerary, boarding pass or passport stamp which shows the date of departure and return to Singapore
- Written confirmation from the transport operator of the public transport on the cause and length of the travel delay
Baggage delay
- Scheduled and revised flight itinerary, boarding pass or passport stamp which shows the date of departure and return to Singapore
- Property Irregularity Report (PIR) Baggage delay report issued by the transport operator
- Acknowledgement slip of baggage received
Missed connection
- Scheduled and revised flight itinerary, boarding pass or passport stamp which shows the date of departure and return to Singapore
- Written confirmation from the transport operator of the public transport on the cause and length of the delay
Overbooked public transport
- Scheduled and revised flight itinerary, boarding pass or passport stamp which shows the date of departure and return to Singapore
- Written confirmation from the transport operator of the public transport on the cause and length of the delay
- Flight itinerary, boarding pass or passport stamp which shows the date of departure and return to Singapore
- Police report of the lost item (or items)
- Baggage loss or damage report filed with authorities or service providers
- Confirmation letter from airlines or travel agent or operator of amount paid as compensation for the loss
- Photographs of damaged item (or items)
- Copy of diagnostic report from repairer stating the cause and extent of damage
- Repair bill or quotation of repair for damaged item (or items) or purchase receipt or credit card statement of the lost or damaged item (or items)
- Invoice for the economy-class transport and accommodation expenses incurred to replace the lost passport or travel documents
- Receipt for passport replacement/passport photograph/travel documents
Rental vehicle excess
- Flight itinerary, boarding pass or passport stamp which shows the date of departure and return to Singapore
- Police/Accident report
- Rental vehicle agreement
- Receipt of rental vehicle excess paid
Insolvency of travel agency
- Flight itinerary, boarding pass or passport stamp which shows the date of departure and return to Singapore
- Tour itinerary and tour booking invoice or receipt
- Proof of insolvency of travel agency, transport provider or tour operator
Accidental death or permanent disablement
- Flight itinerary, boarding pass or passport stamp which shows the date of departure and return to Singapore
- Medical report or inpatient discharge summary stating onset date, cause, extent of permanent disability (if applicable) and nature of injury
- Police report (accident only)
- Death certificate or autopsy report or toxicological report or coroner’s findings (death claim only)
- Proof of policyholder's or person claiming's relationship with the person who has died (death claim only)
Personal liability
- Flight itinerary, boarding pass or passport stamp which shows the date of departure and return to Singapore
- Police/Accident report
- Correspondence from third party
Kidnap or hostage
- Flight itinerary, boarding pass or passport stamp which shows the date of departure and return to Singapore
- Police report
Home cover
- Flight itinerary, boarding pass or passport stamp which shows the date of departure and return to Singapore
- Police report, investigation results and incident report
- Photographs of damaged item (or items)
- Repair bill or quotation of repair for damaged item (or items) or purchase receipt or credit card statement of the lost or damaged item (or items)
Submit your claim.
Submit your claims online
Online submission with complete supporting documents ensures a faster processing time for your claim.
Ministry of Education Travel Claim form
Your queries answered.
No, the Travel Insurance policy only pays for death claims caused by accident.
You can only claim for dental expenses if an accident happened while you are overseas and the treatment is necessary to restore your sound and natural teeth. It is subject to the limit of the policy contract.
No, medical expenses related to pregnancy are not claimable as the Travel Insurance policy excludes pregnancy and childbirth.
Yes, follow-up medical treatment incurred within 30 days upon returning to Singapore is claimable.
Yes, you can if it is not a pre-existing condition and the injury or illness occurred during your overseas travel.
The Travel Insurance policy allows you to claim for medical expenses incurred for:
- Initial treatment within three days from the date you return to Singapore
- Follow-up treatments up to 30 days from the date of your first treatment in Singapore
Yes, you can as long as the practitioners are registered with the Traditional Chinese Medicine (TCM) Practitioners Board and possess valid practicing certificates. You will need to do so within three days upon returning to Singapore and you have up to a maximum of 30 days to continue treatment.
The emergency medical and travel assistance services available are:
- Medical advice
- Referral to doctors, specialists, hospitals, lawyers and interpreters
- Arrangement for bail bonds, travel assistance for loss of passport, embassy referral, medical evacuation / repatriation of patients, repatriation of mortal remains, despatch of doctors / medicines, compassionate visits, accompanied return of dependent children and hospital deposit guarantees.
You will need to pay for the expenses incurred for the services that are not covered under your travel insurance.
Yes, you can if you decide not to proceed with the trip. You will be able to claim for the non-refundable and irrecoverable travelling / accommodation expenses paid in advance (including cancellation fee) to recover from your travel agency, airline or hotel.
No, you will not be able to make a claim for trip cancellation due to busy work schedule as this is not one of the reasons covered under the policy.
Yes, you can if your medical condition is not pre-existing. You will be able to claim for the transport expenses and accommodation costs that you have paid or have agreed to pay under a contract and which you cannot get back (including the travel agent’s cancellation fee). You will also be able to claim for additional economy class transport expenses and accommodation expenses for a standard room for your return to Singapore. You must ask for a refund of prepaid expenses from the transport or accommodation provider first. We will reduce the claim by the amount that the transport or accommodation provider has refunded you.
Yes, the policy covers travel delays if the public transport you are scheduled to travel in during your trip is delayed for more than six hours in a row and you are not the cause of delay.
No, you will not be able to make a claim for losses arising from unattended belongings.
You will need to report the loss to the local police or a relevant local authority (e.g. hotel or airline) within 24 hours of the incident. You will also need to obtain a copy of the report for any subsequent claim.
No, the Travel Insurance excludes loss or damaged item covered under any other insurance policy or which had been reimbursed by the carrier, hotel, tour operator, travel agency or others.
No, you are not able to make a claim for this case.
The Travel Insurance policy only covers baggage delay under the following conditions:
- Delay is a result of mishandling by an airline or cruise operator
- More than six consecutive hours of delay in receiving your baggage
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.
No, you are not able to make a claim for items confiscated or retained by customs or authorities.
No, the Travel Insurance policy only reimburses you for any excess or deductible* which you are liable for due to an accident while you are overseas. This includes loss or damage to a rental vehicle during the rental period.
*Excess or deductible: The amount the insured will be required to contribute before they can make a claim.
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