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FAQ

Travel Insurance | Comments Off
FAQ
 

AIG Assist travel insurance is now known as


Q1 :What is special about the Premier Plan?

Q2 :How soon can I activate Travel Guard?

Q3: How can I activate Travel Guard if I am departing over the weekends / after office hours?

Q4: Can an authorised representative apply for Travel Guard on my behalf after my departure from Singapore?

Q5: When is the coverage for the Travel Guard policy effective?

Q6: I’m holding a one-way ticket, can I purchase Travel Guard?

Q7: Can I buy more than one Travel Guard policy for the same trip?

Q8: I suffer from medical and physical conditions. Can I claim for medical/hospital and other related expense if I need treatment while on my trip?

Q9: Can I continue my medical treatment for injury sustained overseas, after my return to Singapore?

Q10: If I was ill overseas but did not seek medical treatment, can I do so upon my return to Singapore?

Q11: Can I seek treatment from a herbalist, acupuncturist or bonesetter?

Q12: Are dental expenses covered?

Q13: I am pregnant, am I covered overseas for any pregnancy-related matters?

Q14: What is covered under “Hospital Visitation” ?

Q15: How can I claim for Emergency Telephone Charges?

Q16: What is Emergency Medical Evacuation?

Q17: Can Travel Guard arrange to repatriate the Insured Person’s mortal remains back to the country of origin other than Singapore?


Q1 : What is special about the Premier Plan?
For a small investment, Premier Plan offers comprehensive benefits with higher limits. You will receive unlimited protection for medical expenses whilst overseas, double indemnity of as much as $1,000,000 for accidental death due to Public Transport accident, unlimited evacuation benefits as well as many benefits as listed.


Q2 : How soon can I activate Travel Guard?

Travel Guard can be activated up to 90 days prior to departure from Singapore.


Q3: How can I activate Travel Guard if I am departing over the weekends / after office hours?

You can activate Travel Guard through our online portal Activation is immediate once your credit card is approved.


Q4: Can an authorised representative apply for Travel Guard on my behalf after my departure from Singapore?

No. Travel Guard must be activated before departure from Singapore.


Q5: When is the coverage for the Travel Guard policy effective?

The “Travel Cancellation” benefit is effective 60 days before your departure or on your date of application, whichever is later.

“Accidental Death & Permanent Disablement” benefit will be effective 3 hours before you depart Singapore. The coverage of these 2 benefits ends on whichever of the following events occurs first:

a) the expiry of the period specified in the Policy

b) your return to your place of permanent residence or

c) within 3 hours upon your arrival in Singapore

All other benefits will be provided only when you are abroad.


Q6: I’m holding a one-way ticket, can I purchase Travel Guard?

Yes. However, please take note that :

* you must leave Singapore directly to your country of residence

* you are covered only within airport transit area during stopovers/ transfers


Q7: Can I buy more than one Travel Guard policy for the same trip?

You can only be covered by ONE Travel Guard policy for the same trip.


Q8: I suffer from medical and physical conditions. Can I claim for medical/hospital and other related expense if I need treatment while on my trip?

No, the policy excludes pre-existing conditions i.e. any condition for which an Insured Person(s) received medical treatment, diagnosis, consultation or prescribed drugs within a 12 month period prior to the commencement of a trip or for which condition medical advice or treatment was recommended by a medical practitioner within such 12 month period or the condition is one which a reasonable person would be expected to be aware of within such period.


Q9: Can I continue my medical treatment for injury sustained overseas, after my return to Singapore?

Yes. You have a maximum of thirty (30) days to continue treatment in Singapore or up to a maximum sum of S$50,000 for Premier Plan, S$25,000 for Superior Plan or S$10,000 for Classic Plan, whichever occurs first. The maximum amount payable for Insured Persons above 70 years of age is up to S$5,000 for Premier Plan, S$2,500 for Superior Plan or S$1,000 for Classic Plan.


Q10: If I was ill overseas but did not seek medical treatment, can I do so upon my return to Singapore?

Yes. You may seek treatment in Singapore within one week of return to Singapore. You have a maximum of thirty (30) days to continue treatment in Singapore or up to a maximum sum of S$50,000 for Premier Plan, S$25,000 for Superior Plan or S$10,000 for Classic Plan, whichever occurs first. The maximum amount payable for Insured Persons over 70 years of age is up to S$5,000 for Premier Plan, S$2,500 for Superior Plan or S$1,000 for Classic Plan.


Q11: Can I seek treatment from a herbalist, acupuncturist or bonesetter?

Yes. Such medical expense is payable up to a maximum of $500 per Accident.


Q12: Are dental expenses covered?

Accidental dental expenses are covered, i.e. dental treatment that is necessarily incurred to restore sound and natural teeth following an Accident.


Q13: I am pregnant, am I covered overseas for any pregnancy-related matters?

Yes, the policy will cover pregnancy-related issues, please refer to policy terms and conditions for exclusions.


Q14: What is covered under “Hospital Visitation” ?

If You are hospitalised overseas for more than 5 days and medical condition forbids evacuation, and no adult family member is with You, We will pay the reasonable travel and hotel accommodation expenses incurred by one relative or friend of yours to stay with you until you return to Singapore.


Q15: How can I claim for Emergency Telephone Charges?

We will reimburse You for telephone charges for medically related services incurred in contacting Travel Guard together with your medical receipts


Q16: What is Emergency Medical Evacuation?

It is applicable when the facilities of the treatment centre overseas are unable to treat the insured for his/her injuries or sickness and the medical condition of the insured is deemed as severe and which requires the insured to be evacuated to the nearest centre of excellence for treatment. We will pay Travel Guard directly the covered expenses for such evacuation specified in the Selected Plan.


Q17: Can Travel Guard arrange to repatriate the Insured Person’s mortal remains back to the country of origin other than Singapore?

YES, expenses incurred are reimbursable subject to limits specified in the Selected Plan.

Travel with peace of mind through Travel Guard

This travel insurance is underwritten by Chartis Singapore Insurance Pte. Ltd. The exact terms, conditions and exclusions for this travel insurance are specified in the policy contract. Activation is IMMEDIATE upon successful completion of online proposal form & payment process. Travel insurance policy document shall be sent to Insured via email.