TRAVEL INSURANCE

Covers you, your family and your belongings on your overseas holiday.

Our travel insurance plans offer comprehensive benefits even before you set off, with protection that lasts until after you return home.

What if you’re travelling with pre-existing conditions?  Here’s what you need to know:

  • A pre-existing medical condition is one that you already had in the 12 months or more before the start of your trip.  An example would be an asthma condition you’ve had since young.
  • Eczema, gout, epilepsy, asthma, and high blood pressure are all considered pre-existing conditions.  Most travel insurance policies don’t provide a payout for this.  So yes, you could have an attack but not be covered by your travel insurance to see a doctor.  That’s probably not the vacation you have in mind.

Focus on picking a travel insurance plan that can cover your medical needs first, the other details are secondary.  You can have an option to cover your pre-existing conditions, which covers hospitalisation charges, medical evacuation, and emergency phone charges.

What Does It Cover

Travel delays

Travel delays are covered as long as the delays are not caused by you (natural disasters included).

Medical expenses

Medical expenses including treatment by a Chinese Medicine Practitioner or a chiropractor are covered if you unexpectedly suffer an injury or sickness during your trip.

Trip modifications

If you cancel, postpone or shorten your trip due to causes specified in the policy, you are covered.

Loss of Personal effects

Coverage is provided for the loss, theft and damage of your belongings.

EXCLUSIONS

There are certain conditions whereby the benefits under this plan will not be payable.  You can refer to your policy contract for the precise terms, conditions and exclusions of the plan.  The policy contract will be issued when your application is accepted.

IMPORTANT INFORMATION

Policies are yearly renewable, subject to the agreement of the Insurer.  Premiums payable for these insurance policies are not guaranteed and may change at Policy Renewal Date at the Insurer’s full discretion.

All benefits and features mentioned herein are subject to terms and conditions of the policy.  You must refer to the Policy Contract for the precise terms and conditions of this insurance plan.

Policy Owners' Protection Scheme

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

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