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38 Great Travel Benefits

Mon, 05 Sep 2011 16:15:39 +0000

38 Great Travel Benefits

These include:
• Trip Cancellation benefit starts 60 days prior to departure date.
• Baggage and Travel Delay claim whilst you are in Singapore and overseas.
• Provides cover for your household contents against fire while you are traveling.
• Automatic Extension of Policy due to Hospitalisation/Quarantine.
• Protects your children’s needs with Child Education Grant.
• 24 hours Multilingual interpreter service.
• Reimburses you for your emergency telephone call charges incurred overseas.
• Takes care of your rental vehicles excess charges and return.
• Protects you while you enjoy leisure amateur sports sch as scuba diving, water sports, winter sports, skydiving, mountaineering, rock-climbing and trekking.

Here is the Travel Guard eBrochure

Here is the Summary of Benefits

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.

Individual Plan

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Travel Guard lets you travel the world in complete freedom, knowing you have the most comprehensive protection. Be it for a short business trip or extended family holiday, Per Trip or Annual Multi-Trip, you can choose your plan from the widest range of benefits and services. To purchase simply submit Online Quotation / Proposal forms.

Per-Trip: If you are travelling alone and wish to be insured only for the trip, opt for the Travel Guard™ Individual Per-Trip Plan. You will have a choice of either the Premier, Superior or Classic Plan to suit your needs.

Annual Multi-Trip: Consider an Annual Plan if you are a frequent traveller. You can avoid the hassle of insurance application every time you travel during the policy year. And best of all, you will enjoy savings on total premiums too. The Insured Policyholder(s) will be covered for an unlimited number of trips made during the Policy Period.

Child or Children shall mean an unmarried person or persons not older than 18 years of age or below 23 years of age if such person(s) is studying full-time or enrolled to study full-time in a recognized institution of learning or higher learning during the Policy period.

Trip Duration

Per Trip means one trip which does not exceed 182 consecutive days.

Annual Multi-Trip means multi trips over the annual period specified in the policy schedule where each trip shall not exceed 90 consecutive days from the date of departure to the date of return to Singapore.

Commencement of Coverage

Travel Cancellation (Section 18) is effective either: (a) 60 days before the date of departure, or (b) from the date of purchase of the policy which must be purchased at least 3 days before the departure date (excluding the date of departure) for this benefit to respond, whichever is later.

Personal Accident Protection (Section 15) commences 3 hours before the Insured Person(s) leave(s) Singapore and cease(s) whenever any of the following occurs first: (a) when the period specified in the policy has expired, (b) when the Insured Person(s) return(s) to his/her/their permanent place of residence, or (c) within 3 hours upon arrival back in Singapore.

For more details please refer to travel insurance policy terms, conditions & exclusions.

Here are the PREMIUMS based on the COUNTRY of destination and DURATION of stay.

Family Plan

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Per Trip: For 1 or 2 adults travelling with any number of children. The 2 adults need not be related but each child must be related to either of the insured adults. The family must travel and return together.

Annual Multi-Trip: For a legally married couple and any number of children. Each child must be accompanied by either of the insured adults under this plan for any trips made during the Policy Period. Couple can travel separately.

Child or Children shall mean an unmarried person or persons under 18 years of age or below 23 years of age if such person(s) is enrolled to study full-time in a recognized institution of learning or higher learning during the policy period.

Trip Duration

Per Trip means one trip which does not exceed 182 consecutive days.

Annual Multi-Trip means multi trips over the annual period specified in the policy schedule where each trip shall not exceed 90 consecutive days from the date of departure to the date of return to Singapore.

Commencement of Coverage

Travel Cancellation (Section 18) is effective either: (a) 60 days before the date of departure, or (b) from the date of purchase of the policy which must be purchased at least 3 days before the departure date (excluding the date of departure) for this benefit to respond, whichever is later.

Personal Accident Protection (Section 15) commences 3 hours before the Insured Person(s) leave(s) Singapore and cease(s) whenever any of the following occurs first: (a) when the period specified in the policy has expired, (b) when the Insured Person(s) return(s) to his/her/their permanent place of residence, or (c) within 3 hours upon arrival back in Singapore.

Here are the Premiums based on the COUNTRY of destination and DURATION of stay.

Exclusions

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Travel Guard Policy Exclusions

Main Exclusions

AIDS; mental or nervous disorders; suicide or self-inflicted injuries.
Childbirth & Pregnancy (except Section 3 and Section 7).
Gemstones.
Flight duty (except as a passenger) or manual work.
Pre-Existing Medical Condition means any condition for which:

(i) You received medical treatment, diagnosis, consultation or prescribed drugs within a twelve (12) month period preceding the commencement of a Trip; or

(ii) Medical advice or treatment was recommended by a Medical Practitioner within a twelve (12) month period preceding the commencement of a Trip; or

(iii) A reasonable person in the circumstances would be expected to be aware of within a twelve (12) month period preceding the commencement of a Trip.

Country Exclusion

Chartis Insurance Singapore Pte. Ltd. will not cover any loss, injury, damage or legal liability arising directly or indirectly from travel in, to, or through

Afghanistan
Cuba
Democratic Republic of Congo
Iran
Iraq
Liberia
Sudan
Syria
Libya

For more details please refer to travel insurance policy terms, conditions & exclusions.

FAQ

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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.

Claims

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How to Claim

To ensure prompt processing of your claim, please submit the following to Chartis:

a copy of your policy/certificate of insurance
a completed Claim Form
applicable documents

Address of Chartis

Chartis Singapore Insurance Pte. Ltd.
CHARTIS Building
78 Shenton Way
#07-16
Singapore 079120

Documents Needed For Travel Insurance Claims:

Travel Claims Contact

Telephone: (65) 6419 3000 Fax: (65) 6835-7417
Claims Services Email: Click here

For more help
Please contact us at (65) 6419 3000 so that we may appoint an adjuster to look into the matter if warranted.

Others
For assistance on Claims Service not listed above, please contact us at (65) 6419 3000 or send an email to Claims.