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Comprehensive Coverage
Summary Of Benefits (S$)

PERSONAL ACCIDENT
COMPREHENSIVE ESSENTIAL
Section 1
Accidental Death
  Enhanced
Total & Permanent Disablement Enhanced

Adult up to 70 yrs

S$500,000

S$250,000
Adult above 70 yrs S$200,000 S$100,000
Child S$100,000 S$100,000
Section 2
Double Public Transport Coverage
New
Personal Accident coverage doubles if the accident occurs while travelling on a regularly scheduled public transport

Adult up to 70 yrs

S$1,000,000

S$500,000
Adult above 70 yrs S$400,000 S$200,000
Child S$200,000 S$200,000
Section 3
Tuition Grant for each Dependent Child
Enhanced
Lump sum payable as a result of Accidental Death of Main Insured (up to 4 children)


S$8,000

S$4,000

MEDICAL & DENTAL EXPENSES

COMPREHENSIVE ESSENTIAL
Section 4
Medical Expenses

Reimburses expense incurred as a result of accident or sickness whilst overseas. Also pays for treatment by Chinese physician or Chiropractor up to $500

Adult up to 70 yrs

S$600,000

S$300,000
Adult above 70 yrs S$80,000 S$80,000
Child S$500,000 S$250,000
Section 5
Pregnancy Related Expenses
 
Reimburses medical expenses incurred as a result of pregnancy related sickness whilst overseas

S$8,000

S$4,000
Section 6
Overseas Hospital Allowance
 
Pays $200 for each complete day you are hospitalized overseas

S$40,000

S$20,000
Section 7
Hospital Visit Benefit
 
Pays for the necessary incurred expenses for one relative or friend to visit you following your hospitalization whilst overseas

S$10,000

S$5,000
Section 8
Compassionate Visit
 
Pays for the necessary incurred expenses for one relative or friend to assist in the final arrangements in the event of your death

S$10,000

S$5,000
Section 9
Child Care Benefit

Pays for one relative or friend to accompany your children back to Singapore following your hospitalization whilst overseas

S$10,000

S$5,000
Section 10
Special Grant
 
Pays when an Insured Person dies from an injury or illness whilst overseas

S$8,000

S$4,000
Section 11
Medical Expenses

a) Reimburses for follow-up medical treatment within 90 days from return date
b) Reimburses for necessary medical treatment sought within 5 days upon return to Singapore, if treatment not sought overseas, and up to 90 days following your return from overseas

Adult up to 70 yrs

S$600,000

S$30,000
Adult above 70 yrs S$6,000 S$3,000
Child S$10,000 S$10,000
Section 12
Hospital Allowance in Singapore

Pays $100 for each complete day you are hospitalised in Singapore
S$1,000 S$500
EMERGENCY MEDICAL ASSISTANCE AND EVACUATION COMPREHENSIVE ESSENTIAL
Section 13
Emergency Medical Evacuation

Unlimited
Section 14
Emergency Medical Repatriation

Unlimited
Section 15
Local Burial / Repatriation of Mortal Remains Back to Singapore

Pays for the cost of burial or cremation overseas in the locality where death occurs or the expenses of transporting the mortal remains back to Singapore


Unlimited
TRAVEL INCONVENIENCE COMPREHENSIVE ESSENTIAL
Section 16
Baggage & Personal Effects including Valuables
 
Maximum $800 for any one article or pair or set of articles and $500 for any one article or pair or set of valuables

S$5,000

S$3,000
Section 16A
Laptop, Wireless Handheld Device and Mobile Phone

Maximum $1,000 for any one article or pair or set of articles

S$1,500

S$750
Section 17
Purchase of Essential Items
 
Reimburses you for emergency purchase of essential personal items if baggage is stolen or lost, up to $50 for any one article or pair or set of articles

S$500

S$250
Section 18
Baggage Delay
 
Pays $200 for each 6 consecutive hours that your baggage is delayed and a maximum of $200 if delay is in Singapore

S$1,000

S$1,000
Section 19
Personal Money & Travel Documents

Pays for travel & accommodation expenses including cost of obtaining replacement passports, travel tickets and other relevant travel documents. Cover loss of money due to theft, robbery or burglary up to $500

S$5,000

S$2,500
Section 20
Loss of Credit Card
 
Pays you for unauthorized usage on your credit card

S$1,000

S$1,000
Section 21
Personal Liability

Indemnifies you for legal liability towards third parties or damage to property due to your negligence

S$1,000,000

S$500,000
Section 22
Loss of Deposit or Cancellation

Reimburses you for unredeemable travel & accommodation expenses paid in advance and occurring within 30 days before the trip. This cover extends to include unrest in planned destination

S$10,000

S$5,000
Section 23
Replacement Traveller

Reimburses you for administrative costs incurred to replace a travel companion

S$500

S$250
Section 24
Financial Collapse of Travel Agency
 
Reimburses you for travel deposit paid in advance to any NATAS travel agency in the event of the financial collapse of the agency

S$6,000

S$3,000
Section 25
Travel Delay
 
Pays $100 for each full 6 consecutive hours of delay whilst overseas and Maximum of $100 if delay is in Singapore

S$1,000

S$1,000
Section 26
Flight Diversion
 
Pays $100 for each full 6 consecutive hours if your flight is diverted to another location due to bad weather

S$1,000

S$1,000
Section 27
Trip Curtailment

Reimburses you for additional travel & accommodation expenses incurred or forfeited, if it is necessary and unavoidable for you to curtail your trip

S$10,000

S$5,000
Section 28
Overbooked Flight

Reimburses you for expenses incurred for additional accommodation, meals or refreshment

S$200

S$100
Section 29
Flight Misconnection

Reimburses you for expenses incurred for additional accommodation, meals or refreshment

S$200

S$100
Section 30
Rental Car Excess

Reimburses you for any excess or deductible which you become legally liable to pay in respect of loss or damage to rental vehicle during the rental period

S$2,000

S$1,000
Section 31
Emergency Personal Mobile Phone Charges

Reimburses you up to $50 per day for a maximum of 5 days

S$300

S$150
Section 32
Lost of Sports Equipment
 
Pays for loss of any one article or pair or set of sports equipment

S$1,000

S$500
Section 33
Pet Care
 
Pays up to$50 for every 8 consecutive hours of delay in collecting your pey in a kennel or pet hotel

S$1,000

S$500
Section 34
Influenza A H1N1 Quarantine Allowance
(Outside Singapore)  
Pays $50 for each full day you are quarantined

S$700

S$350
Section 35
Influenza A H1N1 Quarantine Allowance
(In Singapore)  
Pays $50 for each full day you are quarantined

S$700

S$350
TRAVEL SECURITY COMPREHENSIVE ESSENTIAL
Section 36
Hijacking
 
Pays $500 for each full 6 consecutive hours of hijack

S$5,000

S$2,500
Section 37
Kidnap & Hostage
 
Pays $500 for each full 24 consecutive hours of kidnap & hostage

S$10,000

S$5,000
Section 38
Home Care Benefit
 
Pays for damages to your home's contents as a result of fire while you are overseas

S$5,000

S$2,500
Section 39
Full Terrorism Cover

Extension to cover Terrorism including losses caused by terrorist attacks using nuclear, chemical and / or biological substances

Yes

Yes
GOLF BENEFIT COMPREHENSIVE ESSENTIAL
Section 40
Golf Equipment
 
Maximum $1,000 for any one article or pair or set of articles

S$1,500

S$750
Section 41
Hired Golf Equipment
 
Reimburses you up to $50 per day for the rental of golf equipment

S$500

S$250
Section 42
Hole-in-One
 
Reimburses you for entertainment expenses incurred for hole-in-one

S$300

S$150


Automatic Extension of Policy New
* Allows automatic extension of the policy up to 30 days if you are hospitalized and / or quarantined overseas as advised by a Physician.
* Allows automatic extension of the policy up to 72 Hrs if any Scheduled Public Transport in which you are travelling is being unavoidably delayed

Premium (S$)

Premium quoted may be subjected to change without prior notice.
INDIVIDUAL PLAN
Trip Duration (days)
ASEAN
ASIA
GLOBAL
Comprehensive
Essential
Comprehensive
Essential
Comprehensive
Essential
1
36
27
49
34
71
48
2
36
27
49
34
71
48
3
36
27
49
34
71
48
4
45
31
55
40
83
63
5
45
31
55
40
83
63
6
45
31
55
40
83
63
7
54
40
68
51
95
80
8
54
40
68
51
95
80
9
54
40
68
51
95
80
10
54
40
68
51
95
80
11 to 14
72
52
90
62
115
102
15 to 18
88
66
100
78
141
118
19 to 22
98
78
120
90
158
135
23 to 27
105
85
130
98
166
151
28 to 31
115
95
138
110
178
161
Add Per week
24
20
34
28
41
141


FAMILY PLAN
Trip Duration (days)
ASEAN
ASIA
GLOBAL
Comprehensive
Essential
Comprehensive
Essential
Comprehensive
Essential
1
73
58
105
84
156
116
2
73
58
105
84
156
116
3
73
58
105
84
156
116
4
100
78
125
104
176
145
5
100
78
125
104
176
145
6
100
78
125
104
176
145
7
127
96
164
125
201
186
8
127
96
164
125
201
186
9
128
96
164
125
201
186
10
128
96
164
125
201
186
11 to 14
162
119
198
152
250
245
15 to 18
197
145
241
173
298
277
19 to 22
232
160
268
192
343
323
23 to 27
247
189
300
209
378
350
28 to 31
292
209
315
230
413
386
Add Per week
57
47
62
52
83
67

 


Geographical Coverage


Asean
Insured for travel within Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand & Vietnam

Asia
Insured for travel within Australia, China, Hong Kong, India, Japan, Korea, Macau, Mongolia, New Zealand, Sri Lanka, Taiwan, Timor-Leste & countries under ASEAN plan

Global
Insured for travel for rest of the world including Nepal, Tibet & countries under ASEAN & ASIA plans

Eligibility for Cover

  • Singapore Citizens, Permanent Residents of Singapore, Employment Pass/Work Permit/Dependent Pass/Student Pass Holders
  • Family refers to you and/or your spouse with any number of your children
  • Child/Children refers to your child who is unmarried and unemployed under the age of 18 years or up to 25 years who is studying full-time in a recognized institution of higher learning.

Commencement of Coverage

  • All trips must start and end in Singapore
  • Cover must be effected before departure from Singapore

Calculation of Premium
If the same trip involves travel to a few countries and hence crossing area of travel, premium will be calculated based on the area of travel with the higher premium.

Maximum Duration of Trip(s)
The maximum duration allowed under SmartTraveller is 182 days per trip

What’s not Covered
  1. War and kindred risks, government acts, nuclear hazards and direct participation in terrorist acts.
  2. Professional sports, racing, motor sports, mountaineering, underwater activities except leisure scuba diving, flying as a pilot or crewmember or other hazardous pursuits.
  3. Unreasonable care and attention; self-inflicted injury or illness, alcoholism or drug abuse; AIDS or AIDS Related Complex
  4. Pre-existing conditions within 6 months before the commencement of the trip.