Standard Plans

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 total^ Per insured person Family total^ Per insured person Family total^
Travel Inconvenience Benefits
Section 1 Cancelling your trip
Overall section limit
5,000 15,000 10,000 30,000 15,000 45,000
Section 2 Postponing your trip
Overall section limit
500 1,500 1,000 3,000 2,000 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
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
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 100 125 150
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 400 400 400
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) 250,000 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
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
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
Section 18 Emergency medical evacuation
Overall section limit See limit under

section 14
1,250,000 See limit under

section 14
1,500,000 See limit under

section 14
2,000,000
1. Adult 70 years old or over
2. Adult under 70 years old 500,000 Unlimited Unlimited
3. Child 500,000 Unlimited Unlimited
Section 19 Sending you home
Overall section limit See limit under

section 14
1,250,000 See limit under

section 14
1,500,000 See limit under

section 14
2,000,000
1. Adult 70 years old or over
2. Adult under 70 years old 50,000 Ulimited Unlimited
3. Child 50,000 Unlimited Unlimited
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
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 100 200 500
Section 22 Emergency phone charges
Overall section limit 100 300 150 450 300 900
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) 500 500 500
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

^ 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.

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