Your policy limits explained. Travel Insurance Benefits

Here are details of Budget Direct Insurance’s Comprehensive and Basic travel plans. These tables will help you decide which is the right level of cover for your trip. If you’ve got any questions, our team is here to guide you through this. Please feel free to call us at 6221 2111, Mondays to Fridays from 8am to 8pm, or Saturdays from 9am to 3pm (excluding public holidays).

Personal Accident and Medical Expenses		Comprehensive	Basic
Accidental Death Per Adult aged 70 or below S$250,000 S$50,000 Per Child or per Adult aged above 70 S$125,000 S$25,000 - Accident bereavement Per insured person S$5,000 -
Permanent Total Disablement Per Adult aged 70 or below S$250,000 S$50,000 Per Child or per Adult aged above 70 S$125,000 S$25,000
Overseas Medical Expenses Per Adult aged 70 or below S$250,000 S$50,000 Per Child or per Adult aged above 70 S$125,000 S$25,000 - Overseas accidental dental expenses (cover sub-limit) Per insured person S$25,000 S$2,500 - Reimbursement for medical aids and equipment (cover sub-limit) Per insured person S$1,000 S$500
Medical Expenses in Singapore Per Adult aged 70 or below S$25,000 - Per Child or per Adult aged above 70 S$12,500 - - Reimbursement for medical aids and equipment (cover sub-limit) Per insured person S$1,000 -
Overseas Hospital Confinement (S$200 per 24 hours)	Per insured person	S$5,000	-
Compassionate Visit	Per insured person	S$5,000	-
Return of Minor Children	Per insured person	S$5,000	-
Overseas Quarantine Allowance (S$50 per 24 hours)	Per insured person	S$500	-
Quarantine Allowance in Singapore (S$50 per 24 hours)	Per insured person	S$500	-
Treatment by a Chinese Medicine Practitioner or a Chiropractor (Overseas or in Singapore)	Per insured person	S$500	-

 

Travel Inconveniences		Comprehensive	Basic
Trip Cancellation	Per insured person	S$10,000	-
Trip Shortened	Per insured person	S$10,000	-
Trip Disruption	Per insured person	S$2,500	-
Trip Postponement	Per insured person	S$1,000	-
Travel Agency Insolvency	Per insured person	S$2,500	-
Travel Delay (S$200 per 6 consecutive hours when overseas and S$100 per 6 consecutive hours when in Singapore)	Per insured person	S$1,000	-
Travel Misconnection (S$100 per 6 consecutive hours when overseas)	Per insured person	S$500	-
Trip Diversion (S$100 per 6 consecutive hours when overseas)	Per insured person	S$500	-
Overbooked Public Transport	Per insured person	S$500	-

 

Personal Belongings		Comprehensive	Basic
Loss or Damage of Baggage and Personal Belongings Per insured person S$5,000 S$500 - Losing money (cover sub-limit) Per insured person S$250 S$200 - Losing travel documents (cover sub-limit) Per insured person S$2,000 S$200
Overseas Baggage Delay (S$50 per child/ S$200 per adult per 6 consecutive hours of delay)	Per insured person	S$1,000	S$400
Baggage Delay in Singapore (S$25 per child/ S$100 per adult per 6 consecutive hours of delay)	Per insured person	S$1,000	S$200

 

Emergency Medical Evacuation and Repatriation		Comprehensive	Basic
Emergency Medical Evacuation Per Adult aged 70 or below S$500,000 S$50,000 Per Child or per Adult aged above 70 S$250,000 S$25,000
Repatriation of Mortal Remains Per Adult aged 70 or below S$50,000 S$5,000 Per Child or per Adult aged above 70 S$25,000 S$2,500

 

Other Benefits		Comprehensive	Basic
Emergency Telephone Charges	Per insured person	S$200	S$50
Personal Liability	Per occurrence	S$1,000,000	S$100,000
Legal Expenses	Per insured person	S$5,000	-
Hijack of Public Conveyance (S$200 per 24 hours)	Per insured person	S$5,000	-
Kidnap and Hostage (S$200 per 24 hours)	Per insured person	S$5,000	-
Rental Vehicle Excess Cover	Per insured person	S$2,000	-
Terrorism Cover	Per insured person
Home Contents	Per insured person	S$5,000	-
Passive War	Per insured person

 

Car/ Coach/ Train Benefit (Option for Plane)		Comprehensive	Basic
Overseas Emergency Allowance (if car/ coach is immobilised 6 hours or more following an accident or breakdown and after the car/ coach primary insurance cover payout)     - Towing Per occurrence S$2,000 - - Reasonable overseas emergency phone calls Per insured person S$100 - - Returning home cost per passenger Per insured person S$200 -

 

Ferry/ Cruise/ Car/ Coach/ Train/ Plane Options		Comprehensive	Basic
Loss or Damage of Baggage and Personal Belongings due to Theft, Robbery or Break-In Per insured person S$2,000 - - Losing money Per insured person S$1,000 - - Losing travel documents Per insured person S$1,000 -