Name: Travel Insurance
Brand: Income Insurance Singapore

		Maximum benefit (S$) for each trip
		Enhanced PreX^® Basic		Enhanced PreX^® Superior		Enhanced PreX^® Prestige
		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	10,000	30,000	10,000	30,000	15,000	45,000
	Limit for other unused prepaid expenses	1,000		1,000		2,000
	Co-payment for claims due to pre-existing medical conditions	NA²		25%		25%
Section 2	Postponing your trip Overall section limit	2,000	6,000	2,000	6,000	2,000	6,000
	Limit for other unused prepaid expenses	1,000		1,000		2,000
	Co-payment for claims due to pre-existing medical conditions	NA²		25%		25%
Section 3	Shortening your trip
	Overall section limit	10,000	30,000	10,000	30,000	15,000	45,000
	Limit for extra expenses to return to Singapore	2,000		2,000		3,000
	Limit for other unused prepaid expenses	1,000		1,000		2,000
	Co-payment for claims due to pre-existing medical conditions	NA²		25%		25%
Section 4	Trip disruption
	Overall section limit	2,000	6,000	2,000	6,000	3,000	9,000
	Limit for accommodation expenses per room per night	400		400		400
	Limit for other unused prepaid expenses	1,000		1,000		2,000
	Co-payment for claims due to pre-existing medical conditions	NA²		25%		25%
Section 5	Travel delay
	Overall section limit	1,500	3,000	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	200	2,000	200	2,000	500	5,000
Section 7	Overbooked public transport	200	2,000	200	2,000	500	5,000
Section 8	If the travel agency becomes insolvent	3,000	15,000	3,000	15,000	5,000	25,000
Section 9	Baggage delay
	Overall section limit	1,200	2,400	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	5,000	12,500	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	500		500		750
	Limit for other items (for each item, set or pair)	500		500		500
Section 11	Losing money
	1. Adult	350	600	350	600	500	800
	2. Child	125	600	125	600	150	800
Section 12	Losing travel documents
	Overall section limit	5,000	12,500	5,000	12,500	8,000	20,000
	Limit for accommodation expenses per room per night	400	12,500	400	12,500	400	20,000
Personal Accident and Medical Expenses Benefits
Section 13	Personal accident
	1. Adult 70 years old or over	125,000	800,000	125,000	800,000	200,000	1,600,000
	2. Adult under 70 years old	200,000		200,000		500,000
	3. Child	100,000		100,000		150,000
	Or Public transport double cover for accidental death
	1. Adult 70 years old or over	250,000	1,600,000	250,000	1,600,000	400,000	3,200,000
	2. Adult under 70 years old	400,000		400,000		1,000,000
	3. Child	200,000		200,000		300,000
	Scale of compensation	Percentage of benefit limit
	a. Accidental death	100%
	b. Permanent total disability	100%
	c. Losing two or more limibs	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	1,500,000	300,000	1,500,000	350,000	3,000,000
	2. Adult under 70 years old	500,000		500,000		1,000,000
	3. Child	200,000		200,000		300,000
	Limit for medical aids and equipment	1,000		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	100,000	1,500,000	100,000	1,500,000	200,000	3,000,000
	2. Adult under 70 years old	150,000		150,000		300,000
	3. Child	100,000		100,000		200,000
Section 15	Medical expenses in Singapore Overall section limit
	1. Adult 70 years old or over	2,000	100,000	2,000	100,000	5,000	200,000
	2. Adult under 70 years old	25,000		25,000		50,000
	3. Child	15,000		15,000		25,000
	Limit for medical aids and equipment	1,000		1,000		1,500
Section 16	Treatment by a Chinese medicine practitioner or a chiropractor
	Overall section limit	500	1,500	500	1,500	1,000	3,000
	Limit per visit	75		75		100
	Limit for claims due to pre-existing medical conditions	500		500		1,000
	Limit per visit for claims due to pre-existing medical conditions	75		75		100
Section 17	Overseas hospital allowance
	Overall section limit	20,000	60,000	20,000	60,000	50,000	150,000
	Benefit per day	200		200		200
	Limit for claims due to pre-existing medical conditions	NA²		3,000		4,500
	Benefit per day if due to pre-existing medical conditions	NA²		100		100
Section 18	Emergency medical evacuation
	Overall section limit 1. Adult 70 years old or over	See limit under section 14	1,500,000	See limit under section 14	1,500,000	See limit under section 14	2,000,000
	2. Adult under 70 years old	Unlimited		Unlimited		Unlimited
	3. Child	Unlimited		Unlimited		Unlimited
	Limit for claims due to pre-existing medical conditions 1. Adult 70 years old or over 2. Adult under 70 years old 3. Child	See limits under section 14		See limits under section 14		See limits under section 14
Section 19	Sending you home
	Overall section limit 1. Adult 70 years old or over	See limit under section 14	1,500,000	See limit under section 14	1,500,000	See limit under section 14	2,000,000
	2. Adult under 70 years old	Unlimited		Unlimited		Unlimited
	3. Child	Unlimited		Unlimited		Unlimited
	Limit for claims due to pre-existing medical conditions 1. Adult 70 years old or over 2. Adult under 70 years old 3. Child	See limits under section 14		See limits under section 14		See limits under section 14
Section 20	Compassionate visit
	Overall section limit	10,000	30,000	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		10,000		15,000
Other Benefits
Section 21	Kidnap and hostage
	Overall section limit	5,000	15,000	5,000	15,000	10,000	30,000
	Every 24 hours	200	15,000	200	15,000	500	30,000
Section 22	Emergency phone charges
	Overall section limit	150	450	150	450	300	900
	Limit for claims due to pre-existing medical conditions	150	450	150	450	300	900
Section 23	Home cover
	Overall section limit	5,000	5,000	5,000	5,000	15,000	15,000
	Limit per item (for each item, set or pair)	500	5,000	500	5,000	500	15,000
Section 24	Personal liability	1,000,000	1,000,000	1,000,000	1,000,000	1,000,000	1,000,000
Section 25	Rental vehicle excess cover	2,000	2,000	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	125,000	800,000	125,000	800,000	200,000	1,600,000
	2. Adult under 70 years old	200,000		200,000		500,000
	3. Child	100,000		100,000		150,000
Section 27	COVID-19 cover extension (for sections 1 to 25 except section 15)	See limits of respective sections that apply
Section 28	Post-departure purchase extension (for sections 3 to 27 except section 8)	See limits of respective sections that apply

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.

Please refer to the policy conditions for the full Terms and Conditions.

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