Your Travel Insurance Coverage Explained
Let this guide quickly show you the level of cover available to you with our two coverage options: Comprehensive and Basic. Plus we offer a range of Optional Covers to help customise your policy to your unique needs.
Travel insurance made easy with two great choices
To keep your travel insurance simple and cheap, select the cover that best suits your travel needs.
By choosing the level of benefits you need, you save on your premium. No matter which option you choose, our team is ready to provide you with world class claims and support service.
Here's what's in your plan
Personal Accident and Medical Expenses
- Accidental Death
If you have an accident and suffer a fatal injury whilst on your trip, we will pay out a cash sum.
- Permanent Total Disablement
If you have an accident during your trip and your injury causes you to be permanently disabled, then rest assured you're covered.
- Overseas Medical Expenses
If you're injured or become sick whilst overseas, then we will help pay for your medical treatment while you are overseas.
- Baggage, Personal Belongings, Cash and Travel Documents
If your baggage, personal belongings and cash are lost, damaged or stolen whilst you're overseas, you are covered.
If your passport and travel documents are lost or stolen whilst you're overseas, we'll cover your extra transport and accommodation expenses to enable you to obtain their replacement overseas.
- Baggage Delay in Singapore and Overseas
If your checked-in baggage has been delayed or misplaced, we'll pay a cash benefit for every 6 consecutive hours of delay, be it in Singapore or overseas.
Emergency Medical Evacuation and Repatriation
- Emergency Medical Evacuation
If you fall sick or get seriously injured during your trip, we'll help pay for your evacuation if it is necessary to move you to the nearest medical facility either in Singapore or overseas. This also applies if you need to return to Singapore to continue treatment.
If you suffer a fatal injury or sickness during your trip, then we will help pay the expenses to bring your body back to Singapore or your home country.
- Emergency Telephone Charges
When you make a claim for a medical emergency whilst overseas, we'll also reimburse you the cost of your phone call to our emergency hotline.
- Personal Liability
If you accidentally injure someone whilst overseas or cause loss or damage to a person's property, we'll help pay your approved legal costs and expenses incurred.
- Passive War
If any losses covered under your policy is related to an act of war which you did not participate in, you are still covered.
- Terrorism Cover
If any losses covered under your policy is related to an act of terrorism not involving nuclear, chemical or biological devices, you are still covered.
Comprehensive cover gives you all the benefits in the Basic cover shown above with higher payouts. Plus you get these additional benefits:
Personal Accident and Medical Expenses
- Medical Expenses in Singapore
If you're injured or become sick whilst overseas, we will help pay for your medical treatment on your return to Singapore.
- Overseas Hospital Confinement
If you are injured or become sick during your trip and it is necessary for you to stay in hospital, we will pay you a per day allowance.
- Compassionate Visit
If you become hospitalised for 72 hours or more, we will pay reasonable expenses for a family member to travel to be with you.
- Return of Minor Children
If you are hospitalised while on your trip, we will pay reasonable expenses for another adult to travel to your location and accompany your children back to Singapore.
- Quarantine Allowance in Singapore and Overseas
If a government or health authority places you into quarantine during your trip or upon your return to Singapore, we will pay you a per day allowance.
- Treatment by a Chinese Medicine Practitioner or a Chiropractor
If you suffer an injury or become sick whilst overseas, we will help pay for your treatment by a Chinese Medicine Practitioner or Chiropractor.
- Trip Disruptions
If you're forced to cancel, postpone, shorten or disrupt your trip due to certain reasons, we will cover the transport and accommodation expenses that you have to pay for that trip.
- Travel Agency Insolvency
If your travel plans are affected due to the insolvency of your travel agency, provider or tour operator, we will pay for non-recoverable transport and accommodation expenses.
- Travel Delays
If you're delayed leaving Singapore or any destination overseas for more than 6 consecutive hours, we'll pay you a cash benefit.
- Missed Connections, Diversions and Overbooking
If your travel plans are altered due to a missed connection, diversion or overbooking, we will pay an allowance for every six hours you are inconvenienced.
- Legal Expenses
In the event that you're falsely arrested or wrongfully detained by any government or public authority, we'll help reimburse your approved legal expenses incurred.
- Hijack or Public Conveyance
If your public transport is hijacked or detained during your trip, we will pay you a cash benefit for each 24-hour period that you are held.
- Kidnap and Hostage
If you are kidnapped and held hostage whilst overseas, we will pay you a cash benefit for each 24-hour period that you are detained.
- Rental Vehicle Excess Cover
If your rental car is damaged or stolen during your trip, we'll pay the excess or deductible of the insurance for that rental car that you're liable for.
- Home Contents
If there is loss or damage to your home contents due to a fire in your home that was left vacant whilst you are overseas, we can repair, replace or pay you a cash equivalent for the damaged home contents.
Check out our Benefits table for full details.
Want to add more? Check out our Optional Covers.
Overseas Emergency Allowance
We’ll get you back to Singapore or your nearest destination if your car, coach or train breaks down or is involved in an accident.
We’ll also arrange to transport your car back to Singapore or the nearest workshop overseas. You’ll never be left stranded with our Overseas Emergency Allowance.
Baggage, Personal Belongings, Cash and Travel Documents
If your baggage, personal belongings and cash are lost or damaged due to theft, robbery or break-in whilst you're overseas, you are covered. If your passport and travel documents are lost or stolen due to theft, robbery or break-in whilst you're overseas, we'll cover your extra transport and accommodation expenses to enable you to obtain their replacement overseas.
Travel Insurance Product Disclosure Document
To find out exactly what’s covered and what your options are, check out the Travel Insurance Product Disclosure Document.
In times of uncertainty, we're here to help. Enjoy 12 months of interest-free instalment premium payments*
for your car, motorcycle or annual travel insurance when you pay with your DBS/POSB Mastercard or Visa Credit Card. Read more.
*For insurance premiums of $200 and above per policy.