Travel Insurance Standard Plan Coverage

The standard plans, Classic, Deluxe and Preferred plans do not cover pre-existing medical conditions.

		Maximum benefit (S$) for each trip
		Classic		Deluxe		Preferred
		Per insured person	Family total¹	Per insured person	Family total¹	Per insured person	Family total¹
Travel Inconvenience Benefits
Section 1	Cancelling your trip Overall section limit	5,000	15,000	10,000	30,000	15,000	45,000
Section 1	Co-payment for claims due to pre-existing medical conditions	NA²	15,000	NA²	30,000	NA²	45,000
Section 2	Postponing your trip Overall section limit	2,000	6,000	2,000	6,000	2,000	6,000
Section 2	Co-payment for claims due to pre-existing medical conditions	NA²	6,000	NA²	6,000	NA²	6,000
Section 3	Shortening your trip
	Overall section limit	5,000	15,000	10,000	30,000	15,000	45,000
	Limit for extra expenses to return to Singapore	1,000		2,000		3,000
	Co-payment for claims due to pre-existing medical conditions	NA²		NA²		NA²
Section 4	Trip disruption
	Overall section limit	1,000	3,000	2,000	6,000	3,000	9,000
	Limit for accommodation expenses per room per night	400		400		400
	Co-payment for claims due to pre-existing medical conditions	NA²		NA²		NA²
Section 5	Travel delay
	Overall section limit	1,000	2,000	1,500	3,000	2,000	4,000
	For every six hours of delay while overseas 1. Adult	100		100		100
	2. Child	50		50		50
	After six hours of delay while in Singapore 1. Adult	150		150		150
	2. Child	50		50		50
Section 6	Missed connections	100	1,000	200	2,000	500	5,000
Section 7	Overbooked public transport	100	1,000	200	2,000	500	5,000
Section 8	If the travel agency becomes insolvent	2,000	10,000	3,000	15,000	5,000	25,000
Section 9	Baggage delay
	Overall section limit	1,000	2,000	1,200	2,400	2,000	4,000
	For every six hours of delay while overseas 1. Adult	200		200		200
	2. Child	50		50		50
	Baggage delay after six hours when arriving in Singapore 1. Adult	200		200		200
	2. Child	50		50		50
Section 10	Loss or damage of baggage and personal belongings
	Overall section limit	3,000	7,500	5,000	12,500	8,000	20,000
	Limit for laptop	1,000		1,000		1,000
	Limit for watches, jewellery or valuables in total	200		500		750
	Limit for other items (for each item, set or pair)	500		500		500
Section 11	Losing money
	1. Adult	250	450	350	600	500	800
	2. Child	100	450	125	600	150	800
Section 12	Losing travel documents
	Overall section limit	3,000	7,500	5,000	12,500	8,000	20,000
	Limit for accommodation expenses per room per night	400	7,500	400	12,500	400	20,000
Personal Accident and Medical Expenses Benefits
Section 13	Personal accident
	1. Adult 70 years old or over	100,000	600,000	125,000	800,000	200,000	1,500,000
	2. Adult under 70 years old	150,000		200,000		500,000
	3. Child	75,000		100,000		125,000
	Or Public transport double cover for accidental death
	1. Adult 70 years old or over	NA	NA	250,000	1,600,000	400,000	3,000,000
	2. Adult under 70 years old	NA		400,000		1,000,000
	3. Child	NA		200,000		250,000
	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 1. Adult 70 years old or over(combined for sections 14, 18 and 19)	300,000	1,000,000	300,000	1,500,000	350,000	3,000,000
	2. Adult under 70 years old	250,000		500,000		1000,000
	3. Child	150,000		200,000		300,000
	Limit for medical aids and equipment	500		1,000		1,500
	Limit for claims due to pre-existing medical conditions (combined for sections 14, 18 and 19) 1. Adult 70 years old or over	NA²		NA²		NA²
	2. Adult under 70 years old	NA²		NA²		NA²
	3. Child	NA²		NA²		NA²
Section 15	Medical expenses in Singapore
	Overall section limit 1. Adult 70 years old or over	1,000	60,000	2,000	100,000	5,000	200,000
	2. Adult under 70 years old	12,500		25,000		50,000
	3. Child	10,000		15,000		25,000
	Limit for medical aids and equipment	500		1,000		1,500
Section 16	Treatment by a Chinese medicine practitioner or a chiropractor
	Overall section limit	300	1,000	500	1,500	1,000	3,000
	Limit per Visit	50		75		100
	Limit for claims due to pre-existing medical conditions	NA²		NA²		NA²
	Limit per visit for claims due to pre-existing medical conditions	NA²		NA²		NA²
Section 17	Overseas hospital allowance
	Overall section limit	10,000	30,000	20,000	60,000	50,000	150,000
	Benefit per day	100		200		200
	Limit for claims due to pre-existing medical conditions	NA²		NA²		NA²
	Benefit per day if due to pre-existing medical conditions	NA²		NA²		NA²
Section 18	Emergency medical evacuation
	Overall section limit 1. Adult 70 years old or over	See limit under section 14	1,250,000	See limit under section 14	1,500,000	See limit under section 14	2,000,000
	2. Adult under 70 years old	500,000		Unlimited		Unlimited
	3. Child	500,000		Unlimited		Unlimited
	Limit for claims due to pre-existing medical conditions 1. Adult 70 years old or over	NA²		NA²		NA²
	2. Adult under 70 years old
	3. Child
Section 19	Sending you home
	Overall section limit 1. Adult 70 years old or over	See limit under section 14	1,250,000	See limit under section 14	1,500,000	See limit under section 14	2,000,000
	2. Adult under 70 years old	150,000		Unlimited		Unlimited
	3. Child	150,000		Unlimited		Unlimited
	Limit for claims due to pre-existing medical conditions 1. Adult 70 years old or over	NA²		NA²		NA²
	2. Adult under 70 years old
	3. Child
Section 20	Compassionate visit
	Overall section limit	5,000	15,000	10,000	30,000	15,000	45,000
	Limit for accommodation expenses per room per night	400		400		400
	Limit for claims due to pre-existing medical conditions	NA²		NA²		NA²
Other Benefits
Section 21	Kidnap and hostage
	Overall section limit	3,000	9,000	5,000	15,000	10,000	30,000
	Every 24 hours	100	9,000	200	15,000	500	30,000
Section 22	Emergency phone charges
	Overall section limit	100	300	150	450	300	900
	Limit for claims due to pre-existing medical conditions	NA²	300	NA²	450	NA²	900
Section 23	Home cover
	Overall section limit	3,000	3,000	5,000	5,000	15,000	15,000
	Limit per item (for each item, set or pair)	500	3,000	500	5,000	500	15,000
Section 24	Personal liability	500,000	500,000	1,000,000	1,000,000	1,000,000	1,000,000
Section 25	Rental vehicle excess cover	1,500	1,500	2,000	2,000	2,500	2,500
Section 26	Full terrorism cover (for sections 1 to 25)
	1. Adult 70 years old or over	100,000	600,000	125,000	800,000	200,000	1,500,000
	2. Adult under 70 years old	150,000		200,000		500,000
	3. Child	75,000		100,000		125,000
Section 27a	COVID-19 cover extension (for sections 1 to 25 except section 15)	See limits of respective sections that apply
Section 27b	Overseas quarantine allowance due to COVID-19
	Overall section limit per event	1,400	4,200	1,400	4,200	1,400	4,200
	Benefit per day per insured person	100	100	100	100	100	100

¹ Family total means the maximum amount we will pay for each benefit section under the family cover during any one trip. Each insured person is only allowed the maximum benefit per insured person in the table of cover.

² No coverage for pre-existing medical conditions.

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