MSIG Insurance (Singapore) Pte. Ltd. (Co. Reg. No.

200412212G)
4 Shenton Way, #21-01, SGX Centre 2, Singapore 068807
Tel +65 6827 7888
msig.com.sg

COVID-19 COVER (TravelEasy®)

Non-applicable to TravelEasy® Pre-Ex

This COVID-19 Cover endorsement extends the following sections of your policy to cover the insured person(s) for claims
relating to COVID-19, subject to the conditions and exclusions under this endorsement and the policy.

IMPORTANT CONDITIONS

These additional conditions must be met for this COVID-19 Cover endorsement to operate.

1. The insured person is not travelling against the travel advisory issued by the Singapore government.

2. The insured person must comply with all requirements and advice put in place by the Singapore and relevant overseas
government, transport and accommodation provider relating to measures for minimising the risk and spread of
COVID-19, including but not limited to COVID-19 vaccination requirement, pre-departure, post-arrival COVID-19 test,
quarantine, isolation, and controlled itinerary.

3. During the trip, the insured person does not knowingly stay with any person who is having or suspected to be having a
COVID-19 infection, and/or is undergoing isolation or quarantine.

4. The insured person or the personal representative must contact MSIG Assist immediately for any medical claims
relating to COVID-19.

5. Conditions applicable for section 21 (Travel cancellation), 22 (Travel postponement) and 23 (Replacement of traveller):
If a policy is purchased within 30 days before the scheduled departure date of the trip:

a) This policy must be purchased at least 3 days before the trip or earlier.

b) Both the insured person and travel companion meet these conditions on and during the 7 days before the policy
purchase date:

i) both the insured person and travel companion do not have any COVID-19 symptoms such as fever, cough,
shortness of breath, blocked or runny nose, sore throat or loss sense of smell;

ii) both the insured person and travel companion have not tested positive for COVID-19;

iii) both the insured person and travel companion have not been in close contact with suspected or confirmed
COVID-19 person or received notification/health risk warning issued by the Singapore government.

If any of the conditions above are not met, we will not pay claims under sections 21, 22 and 23. The other sections of the
policy will still cover the insured person for the trip.

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SECTIONS UNDER COVID-19 COVER

The following sections provide cover for COVID-19 subject to the conditions and exclusions specified in this endorsement
and your policy. For the avoidance of doubt, the limits specified in this endorsement are sub-limits of the limits specified in
your policy for the same sections.

Pre-trip benefits

The following sections will provide cover before the commencement of the trip.

Section 21 – Travel cancellation

Section 22 – Travel postponement
Section 23 – Replacement of traveller
We will pay under sections 21, 22 and 23 up to the sum insured specified under the COVID-19 Cover benefit summary if
the insured person is unexpectedly and unavoidably prevented from commencing the journey, due to any of these
covered reasons below which take place within 30 days before the start of the journey, but after the date of arranging
this insurance and the journey.

1. The insured person or travel companion is tested positive for COVID-19 by a doctor or government approved
personnel.

2. The insured person or travel companion is identified and ordered by the Singapore government to undergo
quarantine or isolation due to suspected or confirmed COVID-19 infection.

3. The insured person’s family member is hospitalised or passed away due to COVID-19 infection.

4. The insured person or travel companion is denied boarding of the public transport by the local authority or transport
provider on scheduled departure date due to COVID-19 symptoms and thereafter tested positive for COVID-19 by a
doctor or government approved personnel within 5 days from the scheduled departure date.

If a claim under section 21 (Travel cancellation), section 22 (Travel postponement) or section 23 (Replacement of
traveller) results from the same event, we will pay for the claim under one of the sections only.

During trip Benefits

The following sections provide cover during the trip overseas.

Section 15 – Medical and travel assistance services

We will extend section 15 to provide medical and travel assistance for the sections listed under “During trip benefits” due
to COVID-19.

The insured person or the personal representative must contact MSIG Assist immediately for any medical claims relating
to COVID-19.

The hotline’s priority is to provide essential service for customers during their trip. If you have policy matters before or after
your trip, please contact Customer Service Centre at 6827 7602.

MSIG Assist 24-hour hotline

+65 6323 8288

When contacting MSIG Assist for emergency or advice, please have the following information ready for us to help you
efficiently.

1. Insured person details: Full-name, NRIC/FIN number, policy number, contact number

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2. Caller details (if not the insured person): Name, relationship, contact number

3. Nature of help required: Location, brief description of emergency and help required

Please refer to section 15 for the full terms and conditions.

Section 6 – Overseas medical expenses

Section 16 – Emergency medical evacuation and repatriation
We will pay benefits under Section 6 and 16 up to the sum insured specified under the COVID-19 Cover benefit summary if
the insured person is tested positive for COVID-19 by a doctor or a government approved personnel outside Singapore
within the first 90 days of the trip.

We will pay benefits under Section 6 and 16 up to 60 days from the date the insured person was first tested positive for
COVID-19 by a doctor or a government approved personnel. To avoid any doubt, we will assess the claim based on the date
which the COVID-19 test was done and not the date which the test results are released. Claims due to COVID-19 infection
diagnosed from test done after the 90th day from the start of the trip are not covered.

What is not covered

Section 6 will not pay any COVID-19 treatment expenses which are covered by any government or national healthcare
programme.

Section 24 – Replacement of employee (applies to corporate policyholders only)

We will pay under section 24 up to the sum insured specified under the COVID-19 Cover benefit summary if the insured
person is unexpectedly prevented from continuing the journey, and the trip is unavoidably disrupted due to any of these
covered reasons below which take place within the first 90 days of the trip.

1. The insured person is tested positive for COVID-19 by a doctor or government approved personnel.

2. The insured person is specifically identified and ordered by the local government at the overseas destination to undergo
quarantine or isolation due to suspected or confirmed COVID-19 infection.

3. The insured person’s family member is hospitalised or passed away due to COVID-19 infection.

4. The insured person is denied boarding of the public transport by the local authority or transport provider on the
scheduled departure date due to COVID-19 symptoms and thereafter tested positive for COVID-19 by a doctor or
government approved personnel within 5 days from scheduled departure date.

To avoid any doubt, we will assess the claim based on the date which the COVID-19 test was done and not the date which
the test results are released. Claims due to COVID-19 infection diagnosed from test done after the 90th day from the start
of the trip are not covered.

Section 29 – Shortening the trip

We will pay (a) and/or (b) under section 29 for the covered reasons below which take place within the first 90 days of the
trip outside Singapore resulting in the insured person having to make a direct trip home.

For covered reasons 1 to 4, we will pay up to the sum insured as specified under COVID-19 Cover benefit summary.

1. The insured person is tested positive for COVID-19 by a doctor or government approved personnel.

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2. The insured person is specifically identified and ordered by the local government at the overseas destination to undergo
quarantine or isolation due to suspected or confirmed COVID-19 infection.

3. The insured person’s family member is hospitalised or passed away due to COVID-19 infection.

4. The insured person is denied boarding of the public transport by the local authority or transport provider on the
scheduled departure date due to COVID-19 symptoms and thereafter tested positive for COVID-19 by a doctor or
government approved personnel within 5 days from scheduled departure date.

For covered reasons 5 to 7, we will pay 50% of the eligible expenses up to the sum insured as specified under COVID-19
Cover benefit summary.

5. The travel companion is tested positive for COVID-19 by a doctor or government approved personnel.

6. The travel companion is specifically identified and ordered by the local government at the overseas destination to
undergo quarantine or isolation due to suspected or confirmed COVID-19 infection.

7. The travel companion is denied boarding of the public transport by the local authority or transport provider on the
scheduled departure date due to COVID-19 symptoms and thereafter tested positive for COVID-19 by a doctor or
government approved personnel within 5 days from scheduled departure date.

To avoid any doubt,

1. we will assess the claim based on the date which the COVID-19 test was done and not the date which the test results
are released. Claims due to COVID-19 infection diagnosed from test done after the 90th day from the start of the trip
are not covered.
2. section 29 covers for lost and/or additional travel expenses related to making changes to the original scheduled
journey. For claims relating to unexpected quarantine or isolation during the trip, refer to “Overseas quarantine daily
benefit” benefit under COVID-19 Cover.

If a claim under section 29 (Shortening the trip) or section 30 (Travel disruption) results from the same event, we will pay for
the claim under one of the sections only.

Section 30 – Travel disruption

We will pay under section 30 for insured person to continue with the original scheduled journey due to any of these covered
reasons below which take place within the first 90 days of the trip outside Singapore.

For covered reasons 1 to 3, we will pay up to the sum insured as specified under COVID-19 Cover benefit summary.

1. The insured person is tested positive for COVID-19 by a doctor or government approved personnel.

2. The insured person is specifically identified and ordered by the local government at the overseas destination to undergo
quarantine or isolation due to suspected or confirmed COVID-19 infection.

3. The insured person is denied boarding of the public transport by the local authority or transport provider on the
scheduled departure date due to COVID-19 symptoms and thereafter tested positive for COVID-19 by a doctor or
government approved personnel within 5 days from scheduled departure date.

For covered reasons 4 to 6 we will pay 50% of the additional travel expenses up to the sum insured as specified under
COVID-19 Cover benefit summary.

4. The travel companion is tested positive for COVID-19 by a doctor or government approved personnel.

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5. The travel companion is specifically identified and ordered by the local government at the overseas destination to
undergo quarantine or isolation due to suspected or confirmed COVID-19 infection.

6. The travel companion is denied boarding of the public transport by the local authority or transport provider on the
scheduled departure date due to COVID-19 symptoms and thereafter tested positive for COVID-19 by a doctor or
government approved personnel within 5 days from scheduled departure date.

To avoid any doubt,

1. we will assess the claim based on the date which the COVID-19 test was done and not the date which the test results
are released. Claims due to COVID-19 infection diagnosed from test done after the 90th day from the start of the trip
are not covered.

2. section 30 covers for any additional travel expenses incurred by the insured person related to making changes to the
original scheduled journey. For claims relating to unexpected quarantine or isolation during the trip, refer to “Overseas
quarantine daily benefit” benefit under COVID-19 Cover.

If a claim under section 29 (Shortening the trip) or section 30 (Travel disruption) results from the same event, we will pay for
the claim under one of the sections only.

Section 31 – Automatic extension of cover

If insured person’s homeward journey cannot be completed before the end date shown in the policy, cover will stay in force
due to any of these covered reasons below without additional premium for an insured person for up to:

1. 30 days if the insured person is hospitalised due to COVID-19 infection.

2. 14 days if the insured person is

a) tested positive for COVID-19 by a doctor or government approved personnel; or

b) specifically identified and ordered by the local government at the overseas destination to undergo quarantine or
isolation due to suspected or confirmed COVID-19 infection.
This section will operate only if any of the covered reasons above occurs within 90 days from the start of the trip.

If 48 hours after discharge from hospital, quarantine or isolation, the insured person is unable to return to Singapore,
further extension of the period of insurance will require top-up of premium, unless MSIG Assist has assessed the insured
person to be unfit for travel back to Singapore. Please refer to section 15 for contact details of MSIG Assist.

Overseas quarantine daily benefit

We will pay the daily benefit for each complete 24-hour period of quarantine or isolation up to the sum insured specified
under the COVID-19 Cover benefit summary if the insured person is tested positive for COVID-19 by a doctor or
government approved personnel within the first 90 days of the trip and ordered to undergo quarantine or isolation at a
government approved hotel or COVID-19 medical facility outside Singapore.

This benefit is payable provided the insured person is liable to pay for the charges incurred at the government approved
hotel or COVID-19 medical facility. Government approved hotel refers to hotel approved by the government for the
purpose of COVID-19 quarantine or any hotel which you are residing in if permitted by the local government.

To avoid any doubt, we will assess the claim based on the date which the COVID-19 test was done and not the date which
the test results are released. Claims due to COVID-19 infection diagnosed from test done after the 90th day from the start
of the trip are not covered.

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 This benefit will not pay if section 12 (Overseas hospitalisation daily benefit) or section 13 (Overseas ICU hospitalisation
daily benefit) pays claim for the same event.

What is not covered

In addition to the exclusions, we will not pay claims for quarantine or isolation served at other location other than at
government approved hotel or COVID-19 medical facility.

Conditions

1. When submitting claims relating to COVID-19 Cover, it must be accompanied with all applicable document(s) for the
approved travel arrangement issued by the Singapore and/or foreign government, including the vaccination records,
negative test result for the mandatory pre-departure COVID-19 diagnostic test done to meet regulatory requirement for
travel, if required.

2. We reserve the right to terminate the COVID-19 Cover by giving you 14 days’ notice in writing.

3. For during trip benefits, we will only pay claims incurred within the period of insurance.

4. The benefits under COVID-19 Cover shall operate in accordance with the terms and conditions under this endorsement
and the policy. If there are terms and conditions that are inconsistent, the terms and conditions under the COVID-19
Cover shall prevail.

Exclusions

COVID-19 Cover will not pay for claims directly or indirectly related to:

1. claims due to circumstances which you, the insured person or the travel companion knew before the purchase of this
policy or trip that may lead to a claim under this policy;

2. changes to travel advisory or restrictions, travel arrangement, COVID-19 prevention measures issued by any government
or authority relating to epidemic or pandemic at your planned destination or Singapore;

3. any medical test, vaccination, quarantine, or isolation required by the Singapore or overseas government, transport or
accommodation provider that applies broadly to general travellers based on departing or arriving country, taken for the
purpose of obtaining approval to travel for the journey;

4. medical expenses incurred in Singapore, or after 60 days from the date the insured person first tested positive for
COVID-19 by a doctor or government approved personnel during the trip outside Singapore. To avoid any doubt, we will
assess the claim based on the date which the COVID-19 test was done and not the date which the test results are
released;

5. vaccination, including the side effects and complications resulting from vaccination; or

6. pre-existing medical condition and its complications, regardless of whether it is resulting from or complicated by
COVID-19 infection.

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Applicable to TravelEasy® Single return trip or Annual plan cover (individual policyholder )

COVID-19 Cover Benefits Summary

The COVID-19 Cover Benefit Summary below sets out the maximum amounts we will pay each insured person for each trip
under the applicable plan. Sub-limits and restrictions may apply. The limits specified in this endorsement are sub-limits of
the limits specified in your policy for the same sections. All sums are in Singapore dollars.

Sum insured per trip

COVID-19 Cover Benefits
Standard Plan Elite Plan Premier Plan
Pre-trip benefits
These sections will provide cover before the commencement of the trip
Section 21 – Travel cancellation
Insured person $3,000 $4,000 $5,000
Total for adult and children cover $4,500 $6,000 $7,500
Total for family cover $7,500 $10,000 $12,500
Section 22 – Travel postponement
Insured person $500 $1,000 $1,500
Total for adult and children cover $750 $1,500 $2,250
Total for family cover $1,250 $2,500 $3,750
Section 23 – Replacement of traveller
Insured person $500 $750 $1,000
Total for adult and children cover $750 $1,125 $1,500
Total for family cover $1,250 $1,875 $2,500
During trip benefits
These sections provide cover during the trip overseas
Section 6 – Overseas medical expenses
Adult below 70 years $75,000 $150,000 $250,000
Adult aged 70 and above $37,500 $75,000 $125,000
Child $37,500 $75,000 $125,000
Total for adult and children cover $150,000 $300,000 $500,000
Total for family cover $225,000 $450,000 $750,000
Section 15 – Medical & travel assistance services
Adult/child Included
Section 16 – Emergency medical evacuation and repatriation
Adult/child $1,000,000 $1,000,000 $1,000,000
Total for adult and children cover $1,500,000 $1,500,000 $1,500,000
Total for family cover $3,000,000 $3,000,000 $3,000,000
Section 24 – Replacement of employee (for corporate policyholders only)
Insured person $1,000 $1,500 $2,000
Section 29 – Shortening your trip
Adult/child $3,000 $4,000 $5,000
Total for adult and children cover $4,500 $6,000 $7,500
Total for family cover $7,500 $10,000 $12,500

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 Sum insured per trip
COVID-19 Cover Benefits
Standard Plan Elite Plan Premier Plan
Section 30 – Travel disruption
Adult/child $1,000 $2,000 $3,000
Total for adult and children cover $1,500 $3,000 $4,500
Total for family cover $2,500 $5,000 $7,500
Section 31 – Automatic extension of cover
Adult/child Included
Overseas quarantine daily benefit
$50 per day $100 per day $100 per day
Adult
Max. $700 Max. $1,400 Max. $1,400
$25 per day $50 per day $50 per day
Child
Max. $350 Max. $700 Max. $700
Total for adult and children cover $1,050 $2,100 $2,100
Total for family cover $1,750 $3,500 $3,500

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Applicable to TravelEasy® Single return trip or Annual plan cover (corporate policyholder)

COVID-19 Cover Benefits Summary

The COVID-19 Cover Benefit Summary below sets out the maximum amounts we will pay each insured person for each trip
under the applicable plan. Sub-limits and restrictions may apply. The limits specified in this endorsement are sub-limits of
the limits specified in your policy for the same sections. All sums are in Singapore dollars.

Sum insured per trip

COVID-19 Cover Benefits
Standard Plan Elite Plan Premier Plan
Pre-trip benefits
These sections will provide cover before the commencement of the trip
Section 21 – Travel cancellation
Insured person $5,000
Section 22 – Travel postponement
Insured person $1,500
Section 23 – Replacement of traveller
Insured person $1,000
During trip benefits
These sections provide cover during the trip overseas
Section 6 – Overseas medical expenses
Insured person below 70 years $250,000
Insured person 70 years and above $125,000
Section 15 – Medical & travel assistance services
Insured person Included
Section 16 – Emergency medical evacuation and repatriation
Insured person $1,000,000
Section 24 – Replacement of employee (for corporate policyholders only)
Insured person $2,000
Section 29 – Shortening your trip
Insured person $5,000
Section 30 – Travel disruption
Insured person $3,000
Section 31 – Automatic extension of cover
Insured person Included
Overseas quarantine daily benefit
$100 per day
Insured person
Max. $1,400

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 TRAVELEASY®/TRAVELEASY® PRE-EX
INSURANCE POLICY
This is your TravelEasy® or TravelEasy® Pre-Ex insurance policy document. It is important that you read this policy document
together with the schedule and any amendment or endorsement issued to make sure that you have the protection you
need and to avoid any misunderstanding.

If there are any changes that may affect the insurance provided, please let us know immediately.

We suggest that you let your family members know about this insurance cover as it would be helpful if you or they need to
make a claim.

IMPORTANT NOTICE

The insurance cover provided to you under this policy is based on the information you have given us. You must tell us all
facts that you know or ought to know, or you may not be covered under the policy.

HOW YOUR INSURANCE OPERATES

Your policy is a contract between us and you, the insured person named in the schedule. The application form, declaration
and any information you gave to us when applying for the policy are the basis of this contract.

In return for you paying the premium, we will provide you with insurance cover as described in the policy during the period
of insurance or any subsequent period for which you pay and we accept the premium.

OUR PROMISE OF SERVICE

We want to provide you with a high standard of service and to meet any claims covered by this policy honestly, fairly and
promptly. If you have any reason to believe that we have not done so, please contact your agent or broker. If you do not use
the services of a professional intermediary, please contact us directly. We are ready to help you with your concerns.

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A GUIDE TO THE POLICY

Page
Important conditions Your responsibilities under the policy 12
Definition of words An explanation of words used in this policy which have special meanings 13
The benefits What you are covered for 17
Personal accident
Section 1 Accidental death and permanent total disability 17
Section 2 Public transport double cover 17
Section 3 Funeral expenses due to an accident 18
Section 4 Child education grant 18
Section 5 Family assistance benefit 19
Medical
Section 6 Overseas medical expenses 19
Section 7 Emergency dental expenses 19
Section 8 Medical expenses in Singapore 20
Section 9 Mobility aid reimbursement 20
Section 10 Traditional Chinese medicine expenses 21
Section 11 Maternity medical expenses overseas 22
Section 12 Overseas hospitalisation daily benefit 22
Section 13 Overseas ICU hospitalisation daily benefit 23
Section 14 Hospitalisation daily benefit in Singapore 23
Section 15 Medical and travel assistance services 25
Section 16 Emergency medical evacuation and repatriation 25
Section 17 Compassionate and hospital visit 26
Section 18 Child guard 26
Section 19 Emergency telephone charges 27
Travel inconvenience
Section 20 Insolvency of licensed travel operator 27
Section 21 Travel cancellation 28
Section 22 Travel postponement 29
Section 23 Replacement of traveller 30
Section 24 Replacement of employee 30
Section 25 Delayed departure 31
Section 26 Flight diversion 32
Section 27 Overbooked flight 33
Section 28 Missed travel connection 33
Section 29 Shortening the trip 34
Section 30 Travel disruption 35
Section 31 Automatic extension of cover 36
Section 32 Delayed baggage 36
Section 33 Baggage 37
Section 34 Wedding clothing and accessories 38
Section 35 Loss of travel documents 38
Section 36 Personal money 39
Section 37 Fraudulent use of credit card 39
Section 38 Credit card outstanding balance 40

QTD032212 | Page 11 of 68
 A GUIDE TO THE POLICY

Personal liability
Section 39 Personal liability 40
Section 40 Legal expenses for wrongful arrest or detention 40
Lifestyle
Section 41 Adventurous activities cover 41
Section 42 Golfer’s cover 41
Section 43 Unused entertainment ticket 42
Section 44 Rental vehicle excess 43
Section 45 Returning a rental vehicle 44
Section 46 Home contents 44
Section 47 Domestic pets care 45
Safety
Section 48 Terrorism cover 45
Section 49 Passive war 46
Section 50 Hijack of public transport 46
Section 51 Kidnap and hostage 46
Section 52 Pre-Ex Critical Care 47
Exclusions Those events we do not insure under the policy 48
General conditions Your rights and our rights under the policy 55
Claim conditions Your rights and our rights in the event of a claim 56
Premium warranty Your responsibilities to pay the premium 58
Useful procedures Making a claim and your feedback channels 59
Schedule of benefits TravelEasy® benefits summary 61
TravelEasy® Pre-Ex benefits summary 65

IMPORTANT CONDITIONS

(Conditions you must meet for this insurance to operate.)

The insurance operates only if you meet all of the following conditions.

1. The round trip must begin and end in Singapore.

2. At the time of arranging the trip or taking out this insurance, neither you nor any other insured person is aware of any
circumstances which are likely to lead to a claim under the policy.

3. At the time you send us your application for this insurance, none of the intended insured persons have already left
Singapore on any trip meant to be covered by this insurance. An insured person is not covered for the entire trip if they
leave Singapore before the start of the period of insurance.

4. Any insured child under the age of 12 years must be accompanied by a parent or adult guardian during the trip.

5. If an insured person has ever been refused cover or had special terms placed on them by any insurer for travel
insurance, they must declare this at the point of application and we must accept them, or there will be no cover for
them.

6. The country of residence for all insured persons is Singapore.

7. The insured persons are not travelling against the advice of a doctor or for the purpose of getting medical treatment.
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8. For TravelEasy®, the insured persons must be in good health or free from physical defects.

9. To be eligible for cover under TravelEasy® Pre-Ex plans, the insured person must meet all the conditions stated under
section 52 - Pre-Ex Critical Care.

DEFINITION OF WORDS

(Applicable to the whole policy)

Certain words have been defined below. These have the same meaning wherever they are used in the policy. They appear in
bold print (for example, insured person).

TERM DEFINITION
Accident A sudden and unexpected event which results in bodily injury, disability or death of
the insured person.
Act of terrorism An act, including using force or violence, of any person or group of people, whether
acting alone or on behalf of or in connection with any organisation, committed for
political, religious or ideological purposes including the intention to influence any
government or to put the civilian population in fear for those purposes.
Acute onset of a pre-existing Refers to a sudden, unexpected and rapid deterioration of the insured person’s pre-
medical condition existing medical condition resulting in a serious medical condition.
Additional travel expenses The necessary administrative costs and other expenses due to change of traveller (for
section 23) or travel itinerary including the cost of economy class public transport or
standard room, provided the original air ticket or accommodation booking cannot be
amended at a lower cost, less any refund recovered. The transport or accommodation
of the altered travel itinerary must not be of higher class or category that which was
purchased in the original itinerary.
Adult A person aged 18 years or above at the start of any trip.
Child, children A person who is aged over one month and below 18 years, or below 23 years if
studying full-time in a recognised institution of higher learning, at the start of any
trip. Recognised institute of higher learning refers to Singapore or overseas
education institutions which are licensed by the government of the country to
provide post-secondary or higher education.
COVID-19 refers to:
1. Coronavirus disease (COVID-19);

2. Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2); or

3. any mutation or variation of SARS-CoV-2; or COVID-19.

Dentist A legally registered dental practitioner qualified to practise in line with the laws of
the country in which the practice is granted. The dentist must not be an insured
person, an insured person’s family member, travel companion, a business partner,
an employee or employer of an insured person, or a person related to an insured
person in any way.
Doctor A legally registered medical practitioner qualified to practise western medicine and
surgery in line with the laws of the country in which the practice is granted. The
doctor must not be an insured person, an insured person’s family member, travel
companion, a business partner, an employee or employer of an insured person, or a
person related to an insured person in any way.
Entertainment ticket A ticket granting admission to theme parks, musicals, plays, theatre or drama
performances, concerts and sports events but excludes movie tickets.

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TERM DEFINITION
Family member The insured person’s husband or wife, child, parent, stepparent, parent-in-law,
grandparent, grandparent-in-law, great-grandparent, great-grandparent-in-law,
grandchild, great- grandchild, brother, brother-in-law, sister, sister-in-law.
Home Your residential address and the address of any insured person in Singapore.
Hospital A lawful establishment set up to care for and treat sick and injured people, and which
has 24-hour nursing services provided by registered graduate nurses, one or more
doctors available at all times and organised facilities for diagnosis and major surgery.
This must not be mainly a clinic, a place for alcoholics or drug addicts, a nursing, rest
or convalescent home, community hospital, home for the aged, or a similar
establishment.
Illness Any sudden and unexpected deterioration of health of an insured person due to a
medical condition contracted, which began or developed during the journey outside
Singapore, which needs treatment by a doctor or TCM practitioner.
Immediate family member The legal husband or wife, parent, biological child, legally adopted child or brother or
sister of an insured person.
Injury Bodily injury which happens during the journey, caused only and directly by an
accident and not by physical impairment, sickness, disease or anything which happens
gradually and affects physical or mental health.
Insured, policyholder, you, your The person named as Insured or Policyholder in the schedule.
Insured person, insured persons The person or people described in the schedule, who live in Singapore for whom the
insurance is arranged. Children are not named in the schedule unless travelling on
their own.
Inpatient means an in-patient stay in the hospital by the insured person where the treatment
is being received for which room and board charges were made by the hospital, and
this excludes in-patient stay by the insured person under observation in a ward.
Journey, trip 1. Under TravelEasy® cover:
a) For a single return trip:
A full return trip lasting no more than 182 days in a row during the period of
insurance, beginning at the time the insured person leaves their home or
workplace within Singapore for the purpose of travelling abroad and ending up
to three hours after the insured person returns to Singapore or on the end
date of the period of insurance shown in the schedule, whichever is sooner.

b) For an annual plan:

A trip lasting no more than 90 days in a row during the period of insurance,
beginning at the time the insured person leaves their home or workplace
within Singapore for the purpose of travelling abroad and ending up to three
hours after the insured person returns to Singapore or on the end date of the
period of insurance shown in the schedule, whichever is sooner.

2. Under TravelEasy® Pre-Ex cover:

A single full return trip lasting no more than 30 days in a row during the period of
insurance, beginning at the time the insured person leaves their home or
workplace within Singapore for the purpose of travelling abroad and ending up to
three hours after the insured person returns to Singapore or on the end date of
the period of insurance shown in the schedule, whichever is sooner.
Known event means riot, strike, civil commotion, natural disaster or situations which threaten the
insured person’s health or disrupt their trip that were publicised or reported by the
media or through travel advice issued by an authority (local or foreign) before the
policy was taken up or before the trip was booked (in the case of an annual plan).
Laptop computer means laptop or notebook, which is a mobile computer that comes with a non-
detachable full-sized keyboard and a flip-up screen of at least 12 inches.

QTD032212 | Page 14 of 68
TERM DEFINITION
Mobile device refers to handheld devices like mobile phones, tablets, phablets, netbooks, personal
digital assistants and similar equipment, excluding laptop computer.
Natural disaster An event or force of nature that has catastrophic consequences, such as avalanche,
earthquake, flood, typhoon, hurricane, tornado, tsunami or volcanic eruption.
Period of insurance The period of insurance shown in the schedule.
Pre-existing medical condition 1. Under TravelEasy® cover, it means:
Any pre-existing medical or physical conditions of any insured person which have
needed consultation or treatment including any recurring, chronic or continuing
illness or condition during the 12-month period before the start of the journey.
For the purpose of an annual policy, we will treat medical or physical conditions
for which a claim has been made on a previous journey as a pre-existing medical
condition in terms of any future journey.

2. Under TravelEasy® Pre-Ex cover, it means:

Any pre-existing medical or physical conditions of any insured person which have
needed consultation or treatment including any recurring, chronic or continuing
illness or condition before the start of the journey.
Public transport Any licensed and scheduled land, sea or air transport which has fixed and established
routes and which any member of the public can join at a recognised stop and pay a
fare. This excludes taxis, private hire vehicles such as buses or coaches that are
chartered or arranged as part of a tour even if the services are regularly scheduled.
Region of travel Area A
Brunei, Cambodia, Indonesia, Laos, East and West Malaysia, Myanmar, Philippines,
Thailand and Vietnam.

Area B
Australia, China (not including Inner Mongolia and Tibet), Hong Kong, India, Japan,
Korea, Macau, New Zealand, Sri Lanka, Taiwan and including countries in Area A.

Area C
Worldwide, including countries in Areas A and B.
Schedule The schedule containing details of you, any insured person, the type of cover you
have chosen and the period of insurance. The schedule forms part of the policy.
Serious injury, serious illness Means a critical or dangerous condition which, in the opinion of a doctor, needs
urgent treatment to avoid death or serious impairment to a person’s immediate or
long-term health.
Serious medical condition Means a condition which, in the opinion of the company or of MSIG Assist doctor, is a
critically ill state of health that requires emergency medical treatment in order to
avoid death or serious impairment to the insured person’s immediate or long-term
health.
TCM practitioner A traditional Chinese medicine practitioner who is legally licensed medical
practitioner, including acupuncturists and bonesetters, who is qualified to practise
traditional Chinese medicine in line with the laws which apply in the country in which
the practice is granted. The TCM practitioner must not be an insured person, an
insured person’s family member, travel companion, a business partner, an
employee or employer of an insured person, or a person related to an insured
person in any way.
Terminal illness Means the conclusive diagnosis by a doctor of an illness that is expected to result in
death within 12 months.
A person who has made travel bookings to accompany the insured person for the
Travel companion
trip.

QTD032212 | Page 15 of 68
TERM DEFINITION
Type of cover The type of cover you chose when you applied for the insurance.
1. TravelEasy® plans: Standard, Elite, Premier

2. TravelEasy® Pre-Ex plans: Pre-Ex Standard, Pre-Ex Elite, Pre-Ex Premier

3. Individual cover, adult and children cover or family cover

4. Group cover

This will be shown in the schedule. Anyone aged 70 or over is eligible for single return
trip only. They can buy a yearly plan for the Standard plan only as long as the
insurance is taken out before age 70 and can be renewed up to age 80.
Individual cover A policy issued to you for the insured person named in the schedule.
Adult and children cover A policy issued to you for you and your biological or legally adopted children.

For single return trip travel, the insured persons must travel together on the same
trip.

For an annual plan, the insured persons do not have to travel together on any trip.
However, any insured child under the age of 12 years must be accompanied by a
parent or adult guardian for any trip made during the period of insurance. Only
adult insured person is named in the schedule.
Family cover A policy issued to you for the people named in the schedule as insured person who
are travelling as a family. Only adult insured persons are named in the schedule.
Family 1. Under single return trip, means:
a) you and your husband or wife travelling together on the same journey; or

b) you and your husband or wife and your biological or legally adopted children
travelling together on the same journey.

2. Under annual plan, means:

a) you and your husband or wife; or

b) you and your husband or wife and your and biological or legally adopted
children.

For an annual plan for family cover, the insured persons do not have to travel
together on any trip. However, any insured child under the age of 12 years must be
accompanied by a parent or adult guardian for any trip made during the period of
insurance.

There must be no more than seven insured persons under the family or adult and
children cover.
Group cover 1. A policy issued to you taking out cover on behalf of two or more insured persons
named in the schedule who are travelling as a group.

2. For single return trip, the insured persons under a group cover must travel
together on the same journey.
We, us, our, the company MSIG Insurance (Singapore) Pte. Ltd.

QTD032212 | Page 16 of 68
 THE BENEFITS

We will cover the insured person based on the benefits described in the following sections for the type of cover and
region of travel stated in the schedule. All limits stated in each section are on per trip basis.

SECTION 1 – ACCIDENTAL DEATH AND PERMANENT TOTAL DISABILITY

We will pay the compensation for death or disability as described in the Table of Compensation below if an insured person
suffers an injury during the journey which, within 12 calendar months of its happening, is the only cause of death or
disability.

% of the limit
Table of Compensation
for this section
1. Death 100%
2. Permanent and total disability for which satisfactory proof has been given to the company 100%
that the total disability has continued for 12 months from the date of the injury and will in
all probability continue for the remainder of the insured person’s life and prevent the
insured person from attending to any kind of business, profession or occupation
3. Total and irrecoverable loss of sight in both eyes 100%
4. Loss of two or more Limbs 100%
5. Total and irrecoverable loss of sight in one eye and Loss of one Limb 100%
6. Loss of one Limb 50%
7. Total and irrecoverable loss of sight in one eye 50%

Note:
1. “Loss of Limb(s)” means permanent and total loss of use or loss by complete and permanent physical severance of a hand
at or above the wrist or of a foot at or above the ankle.

2. If the insured person suffers injury that results in more than one of the results described in item 1 to 7 above, the
maximum we will pay is 100% of the limit in this section.

The maximum we will pay under this section for:

Premier Plan Elite Plan Standard Plan

Adult insured person aged below 70 $500,000 $200,000 $150,000
Adult insured person aged 70 or above $100,000 $75,000 $50,000
Insured child $100,000 $75,000 $50,000
Total for adult and children cover or family cover $1,200,000 $550,000 $400,000

If a claim under section 1 – Accidental death and permanent total disability and section 2 – Public transport double cover,
results from the same cause or event, this policy will pay for the claim under either section, but not both.

What is not covered

Please see the section on exclusions.

SECTION 2 – PUBLIC TRANSPORT DOUBLE COVER

If the insured person suffers an injury while travelling as a fare-paying passenger on board any public transport outside
Singapore during the journey which, within 12 calendar months of its happening, is the only cause of death, the amount we
will pay will be double the limit for death provided under section 1 - Accidental death and permanent total disability.

QTD032212 | Page 17 of 68
The maximum we will pay under this section is:

Premier Plan Elite Plan Standard Plan

Adult insured person aged below 70 $1,000,000 $400,000 Not covered
Adult insured person aged 70 or above Not covered Not covered Not covered
Insured child $200,000 $150,000 Not covered
Total for adult and children cover or family cover $2,400,000 $1,100,000 Not covered

The public transport double cover does not apply to the Standard plan and to any insured person aged 70 or above.

If a claim under section 1 – Accidental death and permanent total disability and section 2 – Public transport double cover,
results from the same cause or event, this policy will pay for the claim under either section, but not both.

What is not covered

Please see the section on exclusions.

SECTION 3 – FUNERAL EXPENSES DUE TO ACCIDENTAL DEATH

If the insured person suffers an injury during the journey outside Singapore which, within 12 calendar months of its
happening, is the only cause of their death, we will reimburse the reasonable expenses paid for their funeral or burial.

The maximum we will pay under this section is:

Premier Plan $8,000 for each adult insured person

$2,000 for each insured child
$16,000 in total for adult and children cover or family cover
Elite Plan $5,000 for each adult insured person
$1,250 for each insured child
$10,000 in total for adult and children cover or family cover
Standard Plan $3,000 for each adult insured person
$750 for each insured child
$6,000 in total for adult and children cover or family cover

What is not covered

Please see the section on exclusions.

SECTION 4 – CHILD EDUCATION GRANT

If an adult insured person suffers an injury during the journey outside Singapore which, within 12 calendar months of its
happening, is the only cause of their death, we will pay each of their biological children or legally adopted children, an
amount as shown below.

The maximum we will pay under this section is:

Premier Plan $8,000 for each adult insured person’s child.

$32,000 in total for each adult insured person.
Elite Plan $5,000 for each adult insured person’s child.
$20,000 in total for each adult insured person.
Standard Plan Not covered

QTD032212 | Page 18 of 68
What is not covered

Please see the section on exclusions.

SECTION 5 – FAMILY ASSISTANCE BENEFIT

If an insured person suffers an injury during the journey outside Singapore which, within 12 calendar months of its
happening, is the only cause of their death, we will pay a lump-sum benefit shown below.

The maximum we will pay under this section is:

Premier Plan $5,000 for each insured person

$10,000 in total for adult and children cover or family cover
Elite Plan $3,000 for each insured person
$6,000 in total for adult and children cover or family cover
Standard Plan Not covered

What is not covered

Please see the section on exclusions.

SECTION 6 – OVERSEAS MEDICAL EXPENSES

We will pay the medical, surgical, nursing or hospital charges incurred by the insured person outside Singapore which a
doctor says are medically necessary as a result of injury or illness suffered by the insured person during the journey.

The maximum we will pay under this section for:

Premier Plan Elite Plan Standard Plan

Insured person aged below 70 $1,000,000 $500,000 $250,000
Insured person aged 70 or above $100,000 $75,000 $50,000
Insured child $300,000 $200,000 $150,000
Total for adult and children cover or family cover $2,600,000 $1,400,000 $800,000

The most we will pay under sections 6 (including extension under section 52 – Pre-Ex Critical Care) to section 11 in total, will
not be more than the maximum limit under the section 6 – Overseas medical expenses.

The limits for section 6 – Overseas medical expenses extended under section 52 – Pre-Ex Critical Care are sub-limits of this
section. For any claim under Pre-Ex Standard, Pre-Ex Elite or Pre-Ex Premier plan due to the insured person’s pre-existing
medical condition, we will pay based on the sub-limits stated under section 52 – Pre-Ex Critical Care.

What is not covered

In addition to the exclusions, we will not pay for the cost of dental treatment, mobility aids or prosthesis.

SECTION 7 – EMERGENCY DENTAL EXPENSES

We will pay for the emergency dental treatment expenses which were paid outside Singapore to restore healthy and
natural teeth or a fractured jaw if a dentist decides this is necessary as a result of an injury suffered by the insured person
during the journey outside Singapore.

We will also pay for dental treatment expenses upon return to Singapore to restore healthy and natural teeth or a
fractured jaw if a dentist decides this is necessary as a result of an injury suffered by the insured person during the

QTD032212 | Page 19 of 68
journey outside Singapore, limited to 30 days after the insured person returns to Singapore.

If dental treatment is not first received outside Singapore, the insured person must arrange for the first dental treatment
in Singapore within 72 hours of their return to Singapore.

The maximum we will pay under this section is:

Premier Plan $15,000 for each adult insured person

$3,750 for each insured child
$30,000 in total for adult and children cover or family cover
Elite Plan $10,000 for each adult insured person
$2,500 for each insured child
$20,000 in total for adult and children cover or family cover
Standard Plan $5,000 for each adult insured person
$1,250 for each insured child
$10,000 in total for adult and children cover or family cover

The most we will pay under sections 6 (including extension under section 52 – Pre-Ex Critical Care) to section 11 in total, will
not be more than the maximum limit under the section 6 – Overseas medical expenses.

What is not covered

In addition to the exclusion, we will not pay for the cost of treatment relating to gum diseases, tooth decay, dentures,
implants, crowns, bridges or use of precious metal.

SECTION 8 – MEDICAL EXPENSES IN SINGAPORE

If an insured person receives medical treatment during the journey outside Singapore for an injury or illness suffered
during the overseas journey, we will also pay for the medical expenses which are a continuation in Singapore of the
overseas medical treatment, limited to 30 days after the insured person returns to Singapore.

If medical treatment is not first received outside Singapore, the insured person must arrange for medical treatment in
Singapore within 72 hours of their return to Singapore, before we will pay for further medical expenses, limited to 30 days
after the insured person returns to Singapore.

The maximum we will pay under this section is:

Premier Plan Elite Plan Standard Plan

Insured person aged below 70 $75,000 $50,000 $25,000
Insured person aged 70 or above $10,000 $7,500 $5,000
Insured child $30,000 $20,000 $10,000
Total for adult and children cover or family cover $210,000 $140,000 $70,000

The most we will pay under sections 6 (including extension under section 52 – Pre-Ex Critical Care) to section 11 in total, will
not be more than the maximum limit under the section 6 – Overseas medical expenses.

What is not covered

In addition to the exclusions, we will not pay for the cost of dental treatment, mobility aids or prosthesis.

SECTION 9 – MOBILITY AID REIMBURSEMENT

We will pay the necessary expenses for buying mobility aids if a doctor says this is necessary as a result of an injury
suffered by the insured person while abroad during a journey. Mobility aids refer to items such as crutches, wheelchair or
QTD032212 | Page 20 of 68
walker and does not include prosthesis.

The maximum we will pay under this section is:

Premier Plan $5,000 for each adult insured person

$1,250 for each insured child
$10,000 in total for adult and children cover or family cover
Elite Plan $3,000 for each adult insured person
$750 for each insured child
$6,000 in total for adult and children cover or family cover
Standard Plan $1,000 for each adult insured person
$250 for each insured child
$2,000 in total for adult and children cover or family cover

The most we will pay under sections 6 (including extension under section 52 – Pre-Ex Critical Care) to section 11 in total, will
not be more than the maximum limit under the section 6 – Overseas medical expenses.

What is not covered

Please see the section on exclusions.

SECTION 10 – TRADITIONAL CHINESE MEDICINE EXPENSES

We will pay the insured person the cost of traditional Chinese medical treatment by a TCM practitioner which is needed
for injury and illness suffered by the insured person during the journey overseas.

We will further pay for medical treatment expenses by a TCM practitioner in Singapore which are a continuation of the
overseas medical treatment, limited to 30 days after the insured person returns to Singapore.

Where the traditional Chinese medical treatment is not first received outside Singapore, an insured person must receive
traditional Chinese medical treatment in Singapore within 72 hours of their return to Singapore, before we will pay for
these expenses, limited to 30 days after the insured person returns to Singapore.

The maximum we will pay under this section is:

Premier Plan $600 for each adult insured person

$300 for each insured child
$1,800 in total for adult and children cover or family cover
Elite Plan $400 for each adult insured person
$250 for each insured child
$1,300 in total for adult and children cover or family cover
Standard Plan $200 for each adult insured person
$100 for each insured child
$600 in total for adult and children cover or family cover

The most we will pay under sections 6 (including extension under section 52 – Pre-Ex Critical Care) to section 11 in total, will
not be more than the maximum limit under the section 6 – Overseas medical expenses.

What is not covered

Please see the section on exclusions.

QTD032212 | Page 21 of 68
SECTION 11 – MATERNITY MEDICAL EXPENSES OVERSEAS

We will pay the necessary medical expenses incurred outside Singapore which a doctor says are necessary as a result of
pregnancy-related illness suffered by the adult insured person during the overseas journey.

The maximum we will pay under this section is:

Premier Plan $3,000 for each adult insured person

Elite Plan $2,000 for each adult insured person
Standard Plan Not covered

The most we will pay under sections 6 (including extension under section 52 – Pre-Ex Critical Care) to section 11 in total, will
not be more than the maximum limit under the section 6 – Overseas medical expenses.

What is not covered

In addition to the exclusions, we will not pay for any claims relating to:

1. the first trimester of pregnancy, for example, zero to 12 weeks;

2. ectopic pregnancy, child birth or still birth;

3. care and treatment for the newborn;

4. abortion or miscarriage unless it is due to an injury;

5. test or treatment relating to fertility, contraception, sterilisation, birth defects or congenital disorders;

6. perinatal mental illness such as depression, anxiety disorders;

7. any treatment for pregnancy which is conceived through medical assistance; or

8. any medical expenses incurred in the country which the insured person is a citizen of or have been permanent residence
with the local government.

SECTION 12 – OVERSEAS HOSPITALISATION DAILY BENEFIT

We will pay the benefit for each complete 24-hour period of the insured person’s stay in hospital outside Singapore due to
an injury or illness suffered during the overseas journey.

For the purpose of this section, stay in hospital means the insured person stays in a registered hospital as a registered
inpatient because of a medical need and on the advice of a doctor. A one-day stay means a continuous 24-hour period for
which the hospital makes a charge for room and board.

The maximum we will pay under this section is:

Premier Plan $300 for each adult insured person and $150 for each insured child for each full day stay in hospital
and the most we will pay is:
$60,000 for each adult insured person
$15,000 for each insured child
$150,000 in total for adult and children cover or family cover

QTD032212 | Page 22 of 68
 Elite Plan $250 for each adult insured person and $125 for each insured child for each full day they stay in
hospital and the most we will pay is:
$37,500 for each adult insured person
$12,500 for each insured child
$100,000 in total for adult and children cover or family cover
Standard Plan $200 for each adult insured person and $100 for each insured child for each full day they stay in
hospital and the most we will pay is:
$20,000 for each adult insured person
$5,000 for each insured child
$50,000 in total for adult and children cover or family cover

The benefit under this section is only for insured person’s stay in hospital in a normal ward. During the period that insured
person is paid under this section, no benefit will be paid under section 13 - Overseas ICU hospitalisation daily benefit.

What is not covered

Please see the section on exclusions.

SECTION 13 – OVERSEAS ICU HOSPITALISATION DAILY BENEFIT

We will pay the benefit for each complete 24-hour period of the insured person’s stay in hospital in an Intensive Care Unit
(ICU) outside Singapore due to an injury or illness suffered during the overseas journey.

For the purpose of this section, stay in hospital means the insured person stays in a registered hospital as a registered
inpatient because of a medical need and on the advice of a doctor. A one-day stay means a continuous 24-hour period for
which the hospital makes a charge for room and board.

The maximum we will pay under this section is:

Premier Plan $400 for each adult insured person and $200 for each insured child for each full day stay in hospital
in the ICU and the most we will pay is:
$4,000 for each adult insured person
$2,000 for each insured child
$12,000 in total for adult and children cover or family cover
Elite Plan $350 for each adult insured person and $150 for each insured child for each full day stay in hospital
in the ICU and the most we will pay is:
$3,500 for each adult insured person
$1,500 for each insured child
$10,000 in total for adult and children cover or family cover
Standard Plan Not covered

The benefit under this section is only for insured person’s stay in hospital in an Intensive Care Unit (ICU). During the period
that insured person is paid under this section, no benefit will be paid under section 12 - Overseas hospitalisation daily
benefit.

What is not covered

Please see the section on exclusions.

SECTION 14 – HOSPITALISATION DAILY BENEFIT IN SINGAPORE

We will pay the benefit for each complete 24-hour period of the insured person’s stay in hospital if the insured person is
hospitalised within 24 hours after they return to Singapore due to an injury or illness suffered during the overseas journey.

QTD032212 | Page 23 of 68
For the purpose of this section, stay in hospital means the insured person stays in a registered hospital as a registered
inpatient because of a medical need and on the advice of a doctor. A one-day stay means a continuous 24-hour period for
which the hospital makes a charge for room and board.

The maximum we will pay under this section is:

Premier Plan $100 for each adult insured person and $50 for each insured child for each full day stay in hospital
and the most we will pay is:
$2,000 for each adult insured person
$500 for each insured child
$5,000 in total for adult and children cover or family cover
Elite Plan $100 for each adult insured person and $50 for each insured child for each full day they stay in
hospital and the most we will pay is:
$1,000 for each adult insured person
$250 for each insured child
$2,500 in total for adult and children cover or family cover
Standard Plan $100 for each adult insured person and $50 for each insured child for each full day they stay in
hospital and the most we will pay is:
$500 for each adult insured person
$150 for each insured child
$1,300 in total for adult and children cover or family cover

What is not covered

Please see the section on exclusions.

TERMS AND LIMITS WHICH APPLY TO SECTIONS 15 TO 19.

We arrange the worldwide medical and travel assistance services appearing in sections 15 to 19 through our appointed
assistance company to help the insured person in any emergency during their journey outside Singapore.

MSIG Assist 24-hour hotline

+65 6323 8288

The insured person and people acting on their behalf will always have to identify themselves by their full names and
policy number.

The maximum we will pay for all services and benefits under sections 16 (including extension under section 52– Pre-Ex Critical
Care), to section 19 will not be more than $1,000,000 per insured person for any one journey, no matter how many events
are involved.

The services are provided on a worldwide basis. However, we and our appointed assistance company will not have to provide
these services to insured persons in areas which make it impossible or not reasonably practical to provide them.

We and our appointed assistance company cannot be held responsible for failure to provide services or for delays caused
by conditions beyond our control. This includes, but is not limited to, strikes, or where local laws or regulatory agencies
prevent us and our appointed assistance company, the professionals or other people such as doctors, hospitals and clinics
to who the insured person is being referred, from providing help. These doctors, hospitals and clinics would be acting as
our independent contractors.

We may at any time commence legal proceedings in your name or the name of the insured person to recover compensation
from anyone else who are legally liable for any loss or injury or illness giving rise to providing services under sections 15
to 19. We will pay any costs involved in such proceedings and it will not affect the benefits under sections 15 to 19.

QTD032212 | Page 24 of 68
 What is not covered

In addition to the exclusions, we will not be legally responsible for any expenses for services we have not arranged or
approved.

SECTION 15 – MEDICAL AND TRAVEL ASSISTANCE SERVICES

The following medical and travel assistance services are available to you and provided by our appointed assistance
company.

You will have to pay all costs and expenses for the services listed below, including telecommunication charges.

1. Medical assistance services

a) Medical advice provided over the phone

b) Referral to a medical service provider

c) Arranging a hospital admission

d) Guarantee of medical expenses paid during a stay in hospital

2. Travel assistance services

a) Referral to an embassy or interpreter

b) Lost luggage assistance

c) Lost travel document assistance

d) Legal referral

e) Emergency message transmission

f) Children escort assistance

SECTION 16 – EMERGENCY MEDICAL EVACUATION AND REPATRIATION

1. Emergency medical evacuation

If an insured person suffers an injury or illness during the journey outside Singapore which results in a serious medical
condition, we will organise air, land or sea transport, medical care during transportation, communications and all other
usual services made available to us which are needed when moving the insured person to the nearest hospital where
appropriate medical care is available.

We will decide the place to which the insured person will be sent and the method by which the evacuation will be carried
out, taking account of all the assessed facts and circumstances which we are aware of at the relevant time.

2. Sending you home after a medical emergency evacuation

Following the emergency medical evacuation referred to in section 16(a) above and if we feel it is medically necessary,
we will arrange and pay for the insured person to be taken back to Singapore by scheduled airline flight (on economy
class) or any other appropriate method of transport, including any extra costs of transportation to and from the airport,
if their original ticket is not valid for the purpose. However, the insured person must give any unused portion of their

QTD032212 | Page 25 of 68
 ticket to us.

3. Sending home your mortal remains

If an insured person passes away outside Singapore resulting from an injury or illness suffered during the journey
overseas, we will make all the necessary arrangements (including any procedures or arrangements needed to meet local
formalities) for sending the insured person’s body or ashes to the insured person’s home in Singapore.

The maximum we will pay under this section is $1,000,000 for each insured person.

The maximum we will pay for all services and benefits under sections 16 (including extension under section 52– Pre-Ex
Critical Care) to section 19 will not be more than $1,000,000 per insured person for any one journey, no matter how
many events are involved.

The limits for section 16 – Emergency medical evacuation and repatriation extended under section 52 – Pre-Ex Critical
Care are sub-limits of this section. For any claim under Pre-Ex Standard, Pre-Ex Elite or Pre-Ex Premier plan due to the
insured person’s pre-existing medical condition, we will pay based on the sub-limits stated under section 52 – Pre-Ex
Critical Care.

What is not covered

In addition to the exclusions, we will not be legally responsible for any expenses for services we have not arranged or
approved.

SECTION 17 – COMPASSIONATE AND HOSPITAL VISIT

If an insured person has to stay in hospital outside Singapore as a result of an injury or illness for more than five days and
no adult member of the insured person’s family is with them, we will pay for the reasonable travel (economy air travel,
first-class rail travel) and accommodation expenses for one of the insured person’s immediate family member who, on the
written advice of a doctor, is needed to travel from Singapore to be with the insured person until they are able to resume
their journey or return to Singapore, whichever happens first. The benefit also applies if an insured person passes away as
a result of an injury or illness during the journey outside Singapore.

The maximum we will pay under this section is:

Premier Plan $15,000 for each insured person

$37,500 in total for adult and children cover or family cover
Elite Plan $10,000 for each insured person
$25,000 in total for adult and children cover or family cover
Standard Plan $5,000 for each insured person
$12,500 in total for adult and children cover or family cover

The maximum we will pay for all services and benefits under sections 16 (including extension under section 52– Pre-Ex
Critical Care) to section 19 will not be more than $1,000,000 per insured person for any one journey, no matter how many
events are involved.

What is not covered

In addition to the exclusions, we will not be legally responsible for any expenses for services we have not arranged or
approved.

SECTION 18 – CHILD GUARD

If an adult insured person has to stay in hospital during the journey outside Singapore as a result of an injury or illness
and there is no other adult to accompany the children who are on the same journey, we will pay for the reasonable travel
QTD032212 | Page 26 of 68
(economy air travel, first-class rail travel) and accommodation expenses for one family member or relative to travel
overseas to accompany the children back to Singapore.

The maximum we will pay under this section is:

Premier Plan $15,000 for each insured person

$37,500 in total for adult and children cover or family cover
Elite Plan $10,000 for each insured person
$25,000 in total for adult and children cover or family cover
Standard Plan $5,000 for each insured person
$12,500 in total for adult and children cover or family cover

The maximum we will pay for all services and benefits under sections 16 (including extension under section 52– Pre-Ex
Critical Care) to section 19 will not be more than $1,000,000 per insured person for any one journey, no matter how many
events are involved.

What is not covered

In addition to the exclusions, we will not be legally responsible for any expenses for services we have not arranged or
approved.

SECTION 19 – EMERGENCY TELEPHONE CHARGES

We will refund the insured person the actual telephone charges for using a personal mobile phone to contact our
appointed assistance company, during a medical emergency and for which a medical claim has been made under section 6 -
Overseas medical expenses, section 7 – Emergency dental expenses, section 10 – Traditional Chinese medicine expenses or
section 11 – Maternity medical expenses overseas. We will also refund the cost of overseas prepaid phone cards used for
this purpose, up to a limit of $50 in total.

The maximum we will pay under this section is:

Premier Plan $300 for each insured person

$750 in total for adult and children cover or family cover
Elite Plan $200 for each insured person
$500 in total for adult and children cover or family cover
Standard Plan $100 for each insured person
$250 in total for adult and children cover or family cover

The maximum we will pay for all services and benefits under sections 16 (including extension under section 52– Pre-Ex
Critical Care) to section 19 will not be more than $1,000,000 per insured person for any one journey, no matter how many
events are involved.

What is not covered

In addition to the exclusions, we will not pay for calls made using any fixed telephone line or LAN line or public telephone
using an international calling card (ICC).

SECTION 20 – INSOLVENCY OF LICENSED TRAVEL OPERATOR

We will pay for the loss of travel fares or travel deposits paid by the insured person which cannot be recovered from any
other source, for the journey being cancelled before the start of the journey due to bankruptcy or insolvency of a
Singapore Tourism Board (STB) registered travel agency licensed and operating in Singapore from which the insured
person bought the trip, provided all these conditions are met:

1. This insurance is bought more than three days before the start of the journey.

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2. Bankruptcy or insolvency takes place before the start of the journey but after the date of arranging this insurance.

3. Petition for bankruptcy or similar petition was not filed before this insurance was purchased.

The maximum we will pay under this section is:

Premier Plan $6,000 for each insured person

$12,000 in total for adult and children cover or family cover
Elite Plan $4,000 for each insured person
$8,000 in total for adult and children cover or family cover
Standard Plan $2,000 for each insured person
$4,000 in total for adult and children cover or family cover

In a single return trip policy, once the trip is cancelled and an insured person makes a claim under this section, the policy
will immediately end when the trip is cancelled.

If a claim under section 20 – Insolvency of licensed travel operator, section 21 – Travel cancellation, section 22 – Travel
postponement or section 23 – Replacement of traveller results from the same event, we will pay for the claim under one of
the sections only.

What is not covered

Please see the section on exclusions.

SECTION 21 – TRAVEL CANCELLATION

We will pay for the unused travel fare, accommodation charges and deposits the insured person has paid or payments
which the insured person legally has to pay and which cannot be recovered from any other source, if the journey is
unexpectedly and unavoidably cancelled due to any of the following covered reasons which take place within 30 days
before the start of the journey but after the date of arranging this insurance and the journey.

1. Death, serious injury or serious illness of the insured person or their family member or travel companion as long as
we receive written confirmation of the nature of the serious injury or serious illness from a doctor.

2. The insured person or their travel companion being called as a witness in the court of law in Singapore.

3. The insured person’s home or place of business in Singapore being unfit to live in or being seriously damaged following
a burglary, fire, flood, typhoon, earthquake or landslip which means the insured person has to stay in Singapore.

4. An unexpected strike, industrial action, riot, civil commotion at the planned overseas destination which prevent the
insured person from beginning the scheduled journey.

5. Natural disasters which happen at the planned overseas destination which prevent the insured person from beginning
the scheduled journey.

6. Closing of airport or airspace that prevents the insured person from beginning the scheduled journey.

7. The insured person is denied boarding of the public transport by the local authority or transport provider due to
infectious disease symptoms.

The insured person must notify the tour, public transport or accommodation provider immediately upon finding out that a
change or cancellation is required to the itinerary.

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The maximum we will pay under this section is:

Premier Plan $15,000 for each insured person

$37,500 in total for adult and children cover or family cover
Elite Plan $10,000 for each insured person
$25,000 in total for adult and children cover or family cover
Standard Plan $5,000 for each insured person
$12,500 in total for adult and children cover or family cover

In a single return trip policy, once an insured person cancels the trip and a claim is made for travel cancellation under
section 21 – Travel cancellation, the policy will immediately end when the trip is cancelled. To avoid any doubt, the policy
will continue to be in force for the other insured persons who continue with the trip.

If a claim under section 20 – Insolvency of licensed travel operator, section 21 – Travel cancellation, section 22 – Travel
postponement or section 23 – Replacement of traveller results from the same event, we will pay for the claim under one of
the sections only.

What is not covered

Please see the section on exclusions.

SECTION 22 – TRAVEL POSTPONEMENT

We will pay for the reasonable additional travel expenses to reschedule the insured person’s journey if it is unexpectedly
and unavoidably postponed due to any of the following covered reasons which happen within 30 days before the start of
the journey but after the date of arranging this insurance and the journey.

1. Death, serious injury or serious illness of the insured person or their family member or travel companion. We must
receive written confirmation of the nature of the serious injury or serious illness from a doctor.

2. The insured person or their travel companion being called as a witness in a court of law in Singapore.

3. The insured person’s home or place of business in Singapore becoming uninhabitable or being seriously damaged
following a burglary, fire, flood, typhoon, earthquake or landslip which means the insured person has to stay in
Singapore.

4. An unexpected strike, industrial action, riot, civil commotion at the planned overseas destination, which prevents the
insured person from beginning the scheduled journey.

5. Natural disasters which happen at the planned overseas destination, which prevent the insured person from beginning
the scheduled journey.

6. Closing of airport or airspace that prevents the insured person from beginning the scheduled journey.

7. The insured person is denied boarding of the public transport by the local authority or transport provider due to
infectious disease symptoms.

The insured person must notify the tour, public transport or accommodation provider immediately upon finding out that a
change or cancellation is required to the itinerary.

The maximum we will pay under this section is:

Premier Plan $2,000 for each insured person

$5,000 in total for adult and children cover or family cover

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 Elite Plan $1,500 for each insured person
$3,750 in total for adult and children cover or family cover
Standard Plan $750 each insured person
$1,875 in total for adult and children cover or family cover

In a single return trip policy, once an insured person postpones the trip and a claim is made for travel postponement under
section 22 – Travel postponement, the policy will immediately end when the trip is postponed. To avoid any doubt, the
policy will continue to be in force for the other insured persons who continue with the trip.

If a claim under section 20 – Insolvency of licensed travel operator, section 21 – Travel cancellation, section 22 – Travel
postponement or section 23 – Replacement of traveller results from the same event, we will pay for the claim under one of
the sections only.

What is not covered

Please see the section on exclusions.

SECTION 23 – REPLACEMENT OF TRAVELLER

We will pay for the reasonable additional travel expenses for the insured person to make a one-time change of traveller if
the insured person unexpectedly and unavoidably has to cancel their trip due to death, serious injury or serious illness of
the insured person, insured person’s family member or travel companion which happen within 30 days before the start
of the journey but after the date of arranging this insurance and the journey.

The insured person must notify the tour, public transport or accommodation provider immediately upon finding out that a
change or cancellation is required to the itinerary.

The maximum we will pay under this section is:

Premier Plan $1,000 for each insured person

$2,500 in total for adult and children cover or family cover
Elite Plan $750 for each insured person
$1,875 in total for adult and children cover or family cover
Standard Plan $500 for each insured person
$1,250 in total for adult and children cover or family cover

In a single return trip policy, cover for the insured person who is making a claim under section 23 – Replacement of
traveller will end immediately when the traveller of the trip is replaced. To avoid any doubt, the substitute traveller has to
purchase a new cover for the trip. However, the policy will continue to be in force for the other insured persons who
continue with the trip.

If a claim under section 20 – Insolvency of licensed travel operator, section 21 – Travel cancellation, section 22 – Travel
postponement or section 23 – Replacement of traveller results from the same event, we will pay for the claim under one of
the sections only.

What is not covered

Please see the section on exclusions.

SECTION 24 – REPLACEMENT OF EMPLOYEE (THIS APPLIES TO CORPORATE POLICYHOLDERS ONLY)

We will refund the insured person’s employer for replacement expenses to the send a substitute employee to complete
the insured person’s business trip if the insured person:

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1. passes away during the trip; or

2. suffers an injury or contracts an illness during the trip and is hospitalised for more than seven days or is confirmed in
writing by a doctor to be unable to perform their work duties for more than seven days.

Claims submitted under this section must include supporting documents such as proof of payments made by the
policyholder, letters of appointment and employment contract.

Replacement expenses means all reasonable and necessary expenses paid in sending a substitute employee to complete
the part of the original insured person’s journey which relates to their official business or that of their employer subject to:

1. These expenses will be limited to an economy return air tickets and accommodation expenses which the substitute
employee has to pay for travelling to the overseas location where the insured person was carrying out their work duties
before the injury or illness occurred.

2. The transportation and accommodation booked for the substitute employee must not be higher in class or category
than that of the insured person’s.

3. The itinerary of the substitute employee must be similar and no longer than the insured person’s duration.

The maximum we will pay under this section is:

Premier Plan $15,000 for each insured person

Elite Plan $10,000 for each insured person
Standard Plan $5,000 for each insured person

What is not covered

Please see the section on exclusions.

SECTION 25 – DELAYED DEPARTURE

If during a trip, the public transport in which the insured person is booked to travel is delayed from departing from the
time given by the carrier due to:

1. strike or other industrial action;

2. riot;

3. civil commotion;

4. poor weather conditions;

5. natural disasters;

6. the mechanical breakdown of the public transport or it not working properly; or

7. closure of airport or airspace.

We will pay one of the following benefits:

1. Delay benefit
We will pay $100 to each insured person for every full six hours in a row of delay. The period of delay is calculated from

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 the scheduled departure time given by the carrier in the original itinerary to the actual scheduled departure time of the
replacement flight. For connecting flights, the period of delay for each flight are calculated separately and are not
added together.

2. Alternative Travel Arrangement

If the insured person is able to book an alternative transportation to the same destination that departs earlier than the
next available scheduled departure time offered by the same provider of the public transport which was delayed, we
will pay for the additional administrative or/and travel expenses incurred. The maximum we will reimburse under (b)
Alternative travel arrangement shall not exceed the amount we would have paid if the insured person had claimed
under (a) Delay benefit, calculated from the original scheduled departure time to the next available scheduled
departure time offered by the same public transport provider, less any refund recovered.

To qualify for claim under this section, the insured person must have checked-in in line with the original itinerary and
received written confirmation from the carrier or their handling agents stating the reason and length of delay.

The maximum we will pay under this section is:

Premier Plan $1,500 for each insured person

$3,000 in total for adult and children cover or family cover
Elite Plan $1,000 for each insured person
$2,000 in total for adult and children cover or family cover
Standard Plan $500 for each insured person
$1,000 in total for adult and children cover or family cover

If a claim under section 25 – Delayed departure, section 26 – Flight diversion, section 27 – Overbooked flight, section 28 –
Missed travel connection, section 29 – Shortening the trip, section 30 – Travel disruption and section 50 – Hijack of public
transport, results from the same event, we will pay for the claim under one of the sections only.

What is not covered

Please see the section on exclusions.

SECTION 26 – FLIGHT DIVERSION

We will pay $100 for every full six hours in a row of delay if, while travelling on a scheduled flight, the insured person’s
flight is diverted due to:

1. poor weather conditions;

2. natural disasters;

3. emergency medical treatment for a fellow passenger; or

4. the mechanical breakdown of the aircraft;

and this prevents the insured person from continuing their journey and they are delayed from arriving at their planned
destination.

The insured person must get written confirmation from the carrier, operator or handling agent stating the reasons and
length of delay.
The period of delay is calculated from the scheduled arrival time at the planned destination given by the carrier in the
original itinerary to the actual arrival time of the insured person’s flight.

QTD032212 | Page 32 of 68
The maximum we will pay under this section is:

Premier Plan $1,500 for each insured person

$3,000 in total for adult and children cover or family cover
Elite Plan $1,000 for each insured person
$2,000 in total for adult and children cover or family cover
Standard Plan $500 for each insured person
$1,000 in total for adult and children cover or family cover

If a claim under section 25 – Delayed departure, section 26 – Flight diversion, section 27 – Overbooked flight, section 28 –
Missed travel connection, section 29 – Shortening the trip, section 30 – Travel disruption and section 50 – Hijack of public
transport, results from the same event, we will pay for the claim under one of the sections only.

What is not covered

Please see the section on exclusions.

SECTION 27 – OVERBOOKED FLIGHT

If the insured person is denied boarding a scheduled flight which they have a confirmed reservation from the travel agent
or airline due to overbooking, we will pay for every full six hours in a row of delay. The insured person must get written
confirmation from the carrier, operator or handling agent stating the reasons and length of delay.

The period of delay is calculated from the scheduled departure time given by the carrier in the original itinerary to the
actual scheduled departure time of the replacement flight.

The maximum we will pay under this section is:

Premier Plan $200 for each insured person for every full six hours in a row of delay and the most we pay is:
$400 for each insured person
$800 in total for adult and children cover or family cover
Elite Plan $150 for each insured person for every full six hours in a row of delay and the most we pay is:
$300 for each insured person
$600 in total for adult and children cover or family cover
Standard Plan $100 each insured person for every full six hours in a row of delay and the most we pay is:
$200 for each insured person
$400 in total for adult and children cover or family cover

If a claim under section 25 – Delayed departure, section 26 – Flight diversion, section 27 – Overbooked flight, section 28 –
Missed travel connection, section 29 – Shortening the trip, section 30 – Travel disruption and section 50 – Hijack of public
transport, results from the same event, we will pay for the claim under one of the sections only.

What is not covered

Please see the section on exclusions.

SECTION 28 – MISSED TRAVEL CONNECTION

If during a trip, the insured person’s incoming scheduled public transport arrives late at the transfer point outside
Singapore and they miss the onward scheduled public transport which they have a confirmed reservation, we will pay for
every full six hours in a row of delay. The insured person must get written confirmation from the carrier, operator or
handling agent stating the reasons and length of delay.

The period of delay is calculated from the actual arrival time of insured person’s incoming public transport at the transfer
point to the actual scheduled departure time of the replacement public transport.

QTD032212 | Page 33 of 68
The maximum we will pay under this section is:

Premier Plan $200 for each insured person for every full six hours in a row of delay and the most we pay is:
$400 for each insured person
$800 in total for adult and children cover or family cover
Elite Plan $150 for each insured person for every full six hours in a row of delay and the most we pay is:
$300 for each insured person
$600 in total for adult and children cover or family cover
Standard Plan $100 for each insured person for every full six hours in a row of delay and the most we pay is:
$200 for each insured person
$400 in total for adult and children cover or family cover

If a claim under section 25 – Delayed departure, section 26 – Flight diversion, section 27 – Overbooked flight, section 28 –
Missed travel connection, section 29 – Shortening the trip, section 30 – Travel disruption and section 50 – Hijack of public
transport, results from the same event, we will pay for the claim under one of the sections only.

What is not covered

Please see the section on exclusions.

SECTION 29 – SHORTENING THE TRIP

We will pay for the following:

1. the unused travel fare, accommodation charges and deposits the insured person has paid or payments for the original
scheduled journey which the insured person legally has to pay and which cannot be recovered from any other source;
and/or

2. the reasonable additional travel expenses which need to be paid for the insured person.

if the journey is unexpectedly and unavoidably cut short or abandoned after it begins resulting in the insured person
having to make a direct trip home due to any of the following covered reasons 1 to 8 which take place during the journey.

1. Death, serious injury or serious illness of the insured person or their family member or travel companion. We must
receive written confirmation of the nature of the serious injury or serious illness from a doctor.

2. The insured person or their travel companion being called as a witness in a court of law in Singapore.

3. The insured person’s home or place of business in Singapore becoming uninhabitable or being seriously damaged
following a burglary, fire, flood, typhoon, earthquake or landslip which means the insured person has to return to
Singapore.

4. An unexpected strike, industrial action, riot, civil commotion at the planned overseas destination, which prevents the
insured person from continuing the scheduled journey.

5. Natural disasters which happen at the planned overseas destination which prevent the insured person from continuing
the scheduled journey.

6. Closing of airport or airspace that prevents the insured person from continuing with the scheduled journey.

7. Hijacking of the aircraft in which the insured person is on board as a passenger.

8. The insured person is denied boarding of the public transport by the local authority or transport provider due to
infectious disease symptoms.
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The insured person must notify the tour, public transport or accommodation provider immediately upon finding out that a
change or cancellation is required to the itinerary.

Shortening the trip means returning home before the scheduled return date, in which case you have to pay the part of the
non-refundable, pre-paid charges. These expenses are recoverable only if the insured person cannot use the return ticket
and is not able to recover them under another section of this policy.

The maximum we will pay under this section is:

Premier Plan $15,000 for each insured person

$37,500 in total for adult and children cover or family cover
Elite Plan $10,000 for each insured person
$25,000 in total for adult and children cover or family cover
Standard Plan $5,000 for each insured person
$12,500 in total for adult and children cover or family cover

If a claim under section 25 – Delayed departure, section 26 – Flight diversion, section 27 – Overbooked flight, section 28 –
Missed travel connection, section 29 – Shortening the trip, section 30 – Travel disruption and section 50 – Hijack of public
transport, results from the same event, we will pay for the claim under one of the sections only.

What is not covered

Please see the section on exclusions.

SECTION 30 – TRAVEL DISRUPTION

We will pay for the reasonable additional travel expenses incurred by the insured person to make changes to continue
with the original scheduled journey, if their trip is unexpectedly and unavoidably disrupted due to any of the following
covered reasons.

1. Death, serious injury or serious illness of the insured person or their family member or travel companion. We must
receive written confirmation of the nature of the serious injury or serious illness from a doctor.

2. An unexpected strike, industrial action, riot, civil commotion at the planned overseas destination, which prevents the
insured person from continuing the scheduled journey.

3. Natural disasters which happen at the planned overseas destination, which prevent the insured person from
continuing the scheduled journey.

4. Closing of airport or airspace that prevents the insured person from continuing with the scheduled journey.

5. Hijacking of the aircraft in which the insured person is on board as a passenger.

6. Fire at the accommodation booked by the insured person and the accommodation provider is unable to provide the
stay.

7. The insured person is denied boarding of the public transport by the local authority or transport provider due to
infectious disease symptoms.

The insured person must notify the tour, public transport or accommodation provider immediately upon finding out that a
change or cancellation is required to the itinerary.

QTD032212 | Page 35 of 68
The maximum we will pay under this section is:

Premier Plan $3,000 for each insured person

$7,500 in total for adult and children cover or family cover
Elite Plan $2,000 for each insured person
$5,000 in total for adult and children cover or family cover
Standard Plan $1,000 for each insured person
$2,500 in total for adult and children cover or family cover

If a claim under section 25 – Delayed departure, section 26 – Flight diversion, section 27 – Overbooked flight, section 28 –
Missed travel connection, section 29 – Shortening the trip, section 30 – Travel disruption and section 50 – Hijack of public
transport, results from the same event, we will pay for the claim under one of the sections only.

What is not covered

Please see the section on exclusions.

SECTION 31 – AUTOMATIC EXTENSION OF COVER

If the homeward journey cannot be completed before the end date shown in your policy, cover will stay in force without an
extra premium for an insured person for up to:

1. 14 days if any public transport in which that insured person is travelling as a fare-paying passenger is delayed; or

2. 30 days if the intended return journey is prevented due to the insured person’s injury or illness arising from a cause
covered under this policy.

What is not covered

Please see the section on exclusions.

SECTION 32 – DELAYED BAGGAGE

If the insured person’s checked-in baggage is temporarily lost during the journey or misdirected by the carrier and not
given back to the insured person within six hours after their arrival at the baggage pick-up point of the scheduled overseas
destination, we will pay for every full six hours in a row of delay.

If the baggage is delayed on the arrival in Singapore, We will only pay a maximum sum of $200 provided a minimum period
of six hours in a row of delay has lapsed.

To avoid any doubt, we will pay only pay one baggage delay claim for baggage checked-in under one insured person
regardless of:

1. the number of pieces of baggage delayed for one insured person; or

2. the number of insured persons affected from sharing one piece of delayed baggage.

We will deduct payment from the amount we will pay under section 33 – Baggage if the baggage later proves to be
permanently lost.

To qualify for payment, the insured person must get written confirmation from the carrier, operator or their handling
agents stating the reason and length of delay.

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The maximum we will pay under this section is:

Premier Plan $250 for each insured person for every full six hours in a row of delay and the most we will pay is:
$1,500 for each insured person
$3,000 in total for adult and children cover or family cover
Elite Plan $200 for each insured person for every full six hours in a row of delay and the most we will pay is:
$1,000 for each insured person
$2,000 in total for adult and children cover or family cover
Standard Plan $150 for each insured person for every full six hours in a row of delay and the most we will pay is:
$600 for each insured person
$1,200 in total for adult and children cover or family cover

What is not covered

Please see the section on exclusions.

SECTION 33 – BAGGAGE

We will pay for accidental loss of or damage, occurring during the journey outside Singapore, to personal baggage,
including clothing and personal belongings worn or carried on the insured person, trunks, suitcases and similar bags and
one laptop computer and one mobile device, taken or owned by an insured person.

Jewellery (including watches, items made of precious metal or stones), laptop computer and mobile device must be
transported under the insured person’s care as carry-on baggage during travel on public transport as we do not cover
these items for loss or damage while transported as checked-in baggage.

We may choose to pay or repair any damaged item after taking into account wear and tear and market value. We may not
consider any loss in market value for electronic items bought within one year before the date of the accident if the insured
person can produce evidence (for example, original receipts).

If any item is proven to be beyond economical repair, we will deal with a claim under this section as if the item has been
lost.

For any loss or damage caused by public transport, accommodation or service provider, you must claim from the relevant
parties first. When submitting claim to us, you must provide proof or denial of any compensation from the relevant parties.

The most we will pay for any single item, or pair or set of items is $500 but up to $1,000 for a laptop computer. We will pay
a maximum of one laptop computer and one mobile device per trip.

The maximum we will pay under this section is:

Premier Plan $7,500 for each insured person

$15,000 in total for adult and children cover or family cover
Elite Plan $5,000 for each insured person
$10,000 in total for adult and children cover or family cover
Standard Plan $3,000 for each insured person
$6,000 in total for adult and children cover or family cover

The most we will pay under sections 33 to 35 in total, will not be more than the maximum limit under section 33 – Baggage.

What is not covered

In addition to the exclusions, this section does not pay for items covered under section 34 – Wedding clothing and
accessories, section 35 – Loss of Travel Documents or section 42 – Golfer’s cover.

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SECTION 34 – WEDDING CLOTHING AND ACCESSORIES

We will pay for accidental loss of or damage, which happens during the journey, to the bridal clothing and ceremonial
clothing, wedding rings, jewellery and wedding accessories owned by or hired or on loan to the adult insured person for
their wedding.

Wedding rings, jewellery and wedding accessories to be used by the bride or groom overseas for the wedding ceremony or
reception venue, or overseas wedding photoshoot must be transported under the insured person’s care as carry-on
baggage during travel on public transport as we do not cover these items for loss or damage while transported as checked-
in baggage.

The most we will pay for any single item, pair or set of items is $750 or up to 40% of the limit for this section for the
wedding rings and jewellery.

The benefits under this section do not apply to an insured child.

Definitions applying to section 34

Bridal clothing means clothing and accessories of a formal nature worn or to be worn by the bride at the overseas wedding
ceremony or reception venue, or overseas wedding photoshoot venue, whether hired, on loan or owned.

Ceremonial clothing means clothing and accessories of the groom at the overseas wedding ceremony or reception venue,
or overseas wedding photoshoot venue whether hired, on loan or owned.

Wedding rings means the rings exchanged or to be exchanged by the bride and groom at the overseas wedding ceremony
venue.

The maximum we will pay under this section is:

Premier Plan $3,500 for each adult insured person

Elite Plan $2,500 for each adult insured person
Standard Plan Not covered

The most we will pay under sections 33 to 35 in total, will not be more than the maximum limit under section 33 – Baggage.

If a claim under this section 34 – Wedding clothing and accessories and section 33 – Baggage results from the same event,
we will pay for the claim under section 34 – Wedding clothing and accessories.

What is not covered

Please see the section on exclusions.

SECTION 35 – LOSS OF TRAVEL DOCUMENTS

We will pay for the cost of getting replacement passports, travel tickets and other relevant travel documents as a result of
accidental loss or damage during the journey while overseas.

We will also pay the reasonable additional travel expenses which are needed to replace lost travel documents, if the loss
arises out of a robbery, burglary or theft while the insured person is outside Singapore during the journey.

The loss must be reported to the local police at the place where the loss happened, no more than 24 hours after the
incident. Any claim must be accompanied by written documents from the police.

QTD032212 | Page 38 of 68
The maximum we will pay under this section is:

Premier Plan $5,000 for each insured person

$10,000 in total for adult and children cover or family cover
Elite Plan $3,000 for each insured person
$6,000 in total for adult and children cover or family cover
Standard Plan $2,000 for each insured person
$4,000 in total for adult and children cover or family cover

The most we will pay under sections 33 to 35 in total, will not be more than the maximum limit under section 33 – Baggage.

What is not covered

Please see the section on exclusions.

SECTION 36 – PERSONAL MONEY

We will pay for loss of an insured person’s cash, banknotes or traveller’s cheques carried for social and domestic purposes
arising out of robbery, burglary or theft while the insured person is outside Singapore during the journey. The loss must be
reported to the local police at the place of the loss no more than 24 hours after the incident. Any claim must be
accompanied by written documents from the police.

The maximum we will pay under this section is:

Premier Plan $500 for each insured person

$500 in total for adult and children cover or family cover
Elite Plan $300 for each insured person
$300 in total for adult and children cover or family cover
Standard Plan $100 for each insured person
$100 in total for adult and children cover or family cover

What is not covered

In addition to the exclusions, we do not cover for loss or theft of money while transported as checked-in baggage.

SECTION 37 – FRAUDULENT USE OF CREDIT CARD

If the adult insured person suffers financial loss as a direct result of the fraudulent use of their personal credit card
through unauthorised charges made overseas following its loss arising out of robbery, burglary or theft while the adult
insured person is outside Singapore during the journey, we will pay for the unauthorised transactions.

The loss must be reported to the credit card issuer within six hours of the robbery, burglary or theft. If not, we will not pay
any benefit under this section. A claim must be accompanied by a report issued by the credit card issuer showing the
amount of loss and confirming the adult insured person’s liability for the loss.

The maximum we will pay under this section is:

Premier Plan $3,000 for each adult insured person

Elite Plan $2,000 for each adult insured person
Standard Plan Not covered

What is not covered

Please see the section on exclusions.

QTD032212 | Page 39 of 68
SECTION 38 – CREDIT CARD OUTSTANDING BALANCE

If the adult insured person suffers an injury during the journey outside Singapore which within 90 days of its happening is
the only cause of their death, we will pay the outstanding balance on their personal credit card account up to the date of
the accident.

The maximum we will pay under this section is:

Premier Plan $3,000 for each adult insured person

Elite Plan $2,000 for each adult insured person
Standard Plan Not covered

What is not covered

Please see the section on exclusions.

SECTION 39 – PERSONAL LIABILITY

We will cover each insured person against all amounts which the insured person becomes legally responsible for paying
compensation for accidents which happen during the journey outside Singapore and which result in:

1. death or injury of any other person; or

2. loss of or damage to property belonging to other people.

No matter how many insured persons are involved, the maximum we will pay under this section for any one event or series
of events resulting from one original cause and in total for all events in any one trip, including any legal costs and expenses
awarded against or paid by the insured person with our written permission is:

Premier Plan $1,000,000 for each adult insured person

$500,000 for each insured child
$1,000,000 in total for adult and children cover or family cover
Elite Plan $1,000,000 for each adult insured person
$500,000 for each insured child
$1,000,000 in total for adult and children cover or family cover
Standard Plan $500,000 for each adult insured person
$250,000 for each insured child
$500,000 in total for adult and children cover or family cover

What is not covered

Please see the section on exclusions.

SECTION 40 – LEGAL EXPENSES FOR WRONGFUL ARREST OR DETENTION

We will cover each insured person against the legal costs and expenses which the insured person legally has to pay due to
wrongful arrest or detention by any government or local authority which happens during the journey outside Singapore.

No matter how many insured persons are involved, the maximum we will pay under this section for any one event or series
of events resulting from one original cause and in total for all events in any one trip, including any legal costs and expenses
awarded against or paid by the insured person with our written permission is:

Premier Plan $10,000 for each insured person

$10,000 in total for adult and children cover or family cover

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 Elite Plan $5,000 for each insured person
$5,000 in total for adult and children cover or family cover
Standard Plan Not covered

What is not covered

Please see the section on exclusions.

SECTION 41 – ADVENTUROUS ACTIVITIES COVER

(This applies to Elite Plan and Premier Plan only)

We will pay benefits from the relevant sections of this policy if the insured person suffers accidental death or injury as a
result of taking part in or practising for the following activities for leisure and non-competitive purpose, with a licensed
operator and provided the insured person follows all safety and health instructions, guidelines or regulations:

1. zip-lining, zip-riding, bungee jumping, parasailing, tandem sky diving, tandem paragliding, tandem hang gliding;

2. sightseeing on hot-air balloon, helicopter, airplane;

3. canoeing or white-water rafting with a qualified guide and up to Grade 3 (of International Scale of River Difficulty);

4. jet skiing, helmet diving;

5. scuba diving, up to the qualified depth of the insured person’s diving certification, and at all times accompanied by a
qualified dive instructor or dive master and does not exceed depth of 30 metres;

6. ice skating, tobogganing, sledging; snow tube sliding, dog sledding, snow rafting; skiing or snowboarding, snowmobiling
provided these activities are not done in off piste, ungroomed, unpatrolled areas or places not recommended for
beginner to intermediate users;

7. up to 3,000m above sea level for hiking, trekking or mountaineering; or

8. marathon (up to 42.195km).

What is not covered

Please see the section on exclusions.

SECTION 42 – GOLFER’S COVER

Golfing equipment
We will pay the adult insured person for loss or damage to the golfing equipment (golf clubs and bags) belonging to or on
loan to the adult insured person due to accident or theft during the journey overseas but not for any loss or damage
suffered during the course of play or practice.

We may choose to pay the claim or repair any damaged item after taking into account wear and tear and market value. We
may not consider any loss in market value for golfing equipment bought within one year before the date of accident if the
adult insured person can produce evidence (for example, original receipts). If any item is proven to be beyond economical
repair, we will deal with the claim under this section as if the item had been lost.

Green fees
We will pay for overseas pre-booked green fees which are not refundable if the adult insured person cannot play on the
scheduled booked dates due to injury or illness suffered after booking and payment has been made.

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Hole-in-one
We will pay the adult insured person for the cost of one round of celebratory drinks when the adult insured person scores
a hole-in-one in an organised event at any 18-hole golf course during the journey outside Singapore.

The adult insured person must provide written evidence from the golf club official of the hole-in-one scored, and provide
original receipts for the cost of celebratory drinks.

The maximum we will pay each adult insured person under this section is:
Premier Plan $1,500 for golfing equipment
$750 for green fees
$750 for hole-in-one
Elite Plan $1,000 for golfing equipment
$500 for green fees
$500 for hole-in-one
Standard Plan Not covered

If a claim under this section 33 – Baggage and section 42 – Golfer’s cover results from the same event, we will pay for the
claim under section 42 – Golfer’s cover.

What is not covered

Please see the section on exclusions.

SECTION 43 – UNUSED ENTERTAINMENT TICKET

We will pay for the cost of any prepaid or unused portion of the entertainment ticket which was meant to be used by the
insured person overseas during the trip but was prevented from doing so due to the any of the following reasons that
occur within 30 days before the trip or during the trip, less any refund recovered.

1. Death, serious injury or serious illness of the insured person or their family member or travel companion as long as
we receive written confirmation of the nature of the serious injury or serious illness from a doctor.

2. An unexpected strike, industrial action, riot, civil commotion at the planned overseas destination, which prevents the
insured person from beginning or continuing with the scheduled journey.

3. Natural disasters which happen at the planned overseas destination, which prevent the insured person from beginning
or continuing with the scheduled journey.

4. Closing of airport or airspace that prevents the insured person from beginning or continuing with the scheduled
journey.

5. The insured person is denied boarding of the public transport by the local authority or transport provider due to
infectious disease symptoms.

For any claim on entertainment ticket, the insured person must seek cancellation refund from the relevant parties first
(e.g. tour operator, event organiser). The insured person must submit claim with proof or denial of any compensation from
the relevant parties.

The maximum we will pay under this section is:

Premier Plan $500 for each insured person

$1,000 in total for adult and children cover or family cover
Elite Plan $300 for each insured person
$600 in total for adult and children cover or family cover

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 Standard Plan Not covered

What is not covered

Please see the section on exclusions.

SECTION 44 – RENTAL VEHICLE EXCESS

We will pay the excess if the adult insured person legally has to pay this amount if during a journey outside Singapore, an
adult insured person rents or hires a car, or a campervan:

1. from a licensed rental agency; and

2. the rental agreement includes an excess (or deductible or similar condition) which makes the adult insured person
legally responsible for loss or damage to the rental vehicle.

This applies as long as it is as a result of accidental loss or damage to the vehicle and:

1. the adult insured person must be either a named driver or co-driver of the rental vehicle;

2. the adult insured person has kept to all requirements of the rental agreement;

3. at the time of the accident, the adult insured person was licensed to drive the vehicle and was not taking part in or
practicing for speed or time trials of any kind, or driving under the influence of alcohol, drugs or any drugs abuse;

4. as part of the hiring arrangement, the adult insured person must take up a full motor insurance against loss or damage
to the rental vehicle during the rental period; and

5. the driver must be one of the insured persons of this policy at the time of the accident.

The maximum we will pay under this section is:

Premier Plan $1,500 for each adult insured person

Elite Plan $1,000 for each adult insured person
Standard Plan Not covered

To avoid any doubt,

1. we will only pay limit for one adult insured person per rented vehicle, regardless of the number of insured persons
registered to rent the vehicle or the number of insured persons authorised to drive the rented vehicle.

2. the limit for one adult insured person is for the entire trip regardless of the number of vehicles the insured person
rents during the trip.

What is not covered

In addition to the exclusions, this section will not pay for:

1. any loss or damage arising from wear and tear, gradual deterioration, damage from insects or vermin, built-in faults, or
faults or damage which are not obvious; or

2. damage to tyres and rims unless damage is caused to other parts of the rental vehicle in the same accident.

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SECTION 45 – RETURNING A RENTAL VEHICLE

If during a journey outside Singapore, the adult insured person rents or hires a car or a campervan from a licensed rental
agency and cannot return it due to their injury or illness, we will pay the reasonable costs for returning the rental vehicle
to the nearest hire depot. We will only meet these costs if the insured person:

1. is legally responsible for paying them under the rental agreement;

2. must be either a named driver or co-driver of the rental vehicle; and

3. has kept to all requirements of the rental agreement.

The maximum we will pay under this section is:

Premier Plan $750 for each adult insured person

Elite Plan $500 for each adult insured person
Standard Plan Not covered

To avoid any doubt,

1. we will only pay limit for one adult insured person per rented vehicle, regardless of the number of insured persons
registered to rent the vehicle or the number of insured persons authorised to drive the rented vehicle.

2. the limit for one adult insured person is for the entire trip regardless of the number of vehicles the insured person
rents during the trip.

What is not covered

Please see the section on exclusions.

SECTION 46 – HOME CONTENTS

We will cover the adult insured person against physical loss or damage to their home contents within their home in
Singapore that was left vacant because of the journey, caused by fire or theft where force and violence were used to get
into the property while the insured person is outside Singapore during the trip.

We may choose to pay or decide to reinstate or repair any damaged item after taking into account wear and tear and
market value. We may not consider any loss in market value for electronic items bought within one year before the date of
the accident if the adult insured person can produce evidence (for example, original receipts). If any item is proven to be
beyond economical repair, we will deal with the claim under this section as if the item had been lost.

Home contents refers to household furniture and furnishing, domestic appliances, audio and video equipment, clothing
and personal belongings owned by the adult insured person or their immediate family members who permanently live
with the adult insured person. This does not include deeds, bonds, bills of exchange, promissory notes, cheques, traveller’s
cheques, securities, cash, documents of any kind, perishable goods, livestock, motor vehicles, bicycles, boats and any
accessories attaching to them.

The most we will pay is:

1. $2,000 in total for platinum, gold and silver items, watches, jewellery, precious stones and furs; or

2. $1,000 for any one item, or set or pair of items.

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The maximum we will pay under this section is:

Premier Plan $15,000 for each adult insured person

Elite Plan $10,000 for each adult insured person
Standard Plan Not covered

What is not covered

Please see the section on exclusions.

SECTION 47 – DOMESTIC PETS CARE

If an adult insured person cannot return to Singapore on the scheduled return date due to injury or illness or delay of the
public transport which they are booked on, we will pay for their pet dog’s or cat’s continued stay at the pet hotel or kennel
or cattery where the pet is left during the adult insured person’s journey abroad.

The insured person must submit claim with written confirmation from the pet hotel or kennel or cattery stating the period
of stay of the adult insured person’s pet and the collection date arranged before their journey abroad and the period of
extended stay and either of the following.

1. A medical report or certificate from a doctor advising delay of planned travel for medical reasons covered under section
6 – Overseas medical expenses; or

2. Written confirmation from the carrier, operator or their handling agent, stating the reasons and length of delay.

The maximum we will pay under this section is:

Premier Plan $75 for each day up to a maximum of $750 for each adult insured person
Elite Plan $50 for each day up to a maximum of $500 for each adult insured person
Standard Plan Not covered

To avoid any doubt, we will only pay the limit for one insured person regardless of the number of pets they own.

What is not covered

Please see the section on exclusions.

SECTION 48 – TERRORISM COVER

As an exception to general exclusion 13(b), we will extend this policy to cover losses which may be suffered through acts of
terrorism but there is no liability when the acts of terrorism involve the use of biological weapons, chemical agents or
nuclear devices.

We will pay based on the limits of all other sections. The maximum we will pay for all sections of the policy in total is:

Premier Plan Elite Plan Standard Plan

Each Insured person $500,000 $300,000 $200,000
Total for adult and children cover or family cover $2,000,000 $1,200,000 $800,000

For insured persons covered under group cover, the most we will pay for all insured persons is $5,000,000 for each event
involving terrorism acts, no matter what transport was used on the journey.

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If the insured person is insured under more than one policy with us covering acts of terrorism, the most we will pay for all
claims arising directly or indirectly from any act of terrorism will be limited to one policy only (with the highest limit on act
of terrorism).

SECTION 49 – PASSIVE WAR

As an exception to general exclusion 13(a), we will extend section 1 - Accidental death and permanent total disability of this
policy to cover the insured person for death or bodily injury which may be suffered through war, riot, revolution or any
similar event as long as no state of war exists in the country when the insured person travels there and that country is not
the home of the insured person. The insured person must prove that, at the time of suffering the loss, they were in no way
directly or indirectly taking part in any of those activities, apart from steps which were reasonably necessary to protect
themselves or their property. They must also not have been involved in controlling, preventing, suppressing or in any other
way dealing or attempting to deal with those events.

This cover will not apply 30 days after the outbreak of war or any of the events listed during the insured person’s visit to
that country.

If the insured person is insured under more than one policy with us covering passive war extension, the most we will pay
for all claims arising directly or indirectly from this will be limited to one policy only (with the highest limit on passive war
extension).

SECTION 50 – HIJACK OF PUBLIC TRANSPORT

If the public transport in which the insured person is travelling is hijacked, we will pay for every full six hours in a row that
they are prevented from reaching their scheduled destination. We will not make any payment for hijack if the intended
destination of the public transport is to, or by way of, a country in a state of war.
The maximum we will pay under this section is:

Premier Plan $300 for each insured person for every full six hours in a row and the most we will pay is:
$6,000 each insured person
$15,000 in total for adult and children cover or family cover
Elite Plan $200 for each insured person for every full six hours in a row and the most we will pay is:
$4,000 each insured person
$10,000 in total for adult and children cover or family cover
Standard Plan $100 for each insured person for every full six hours in a row of delay and the most we will pay is:
$2,000 each insured person
$5,000 in total for adult and children cover or family cover

If a claim under section 25 – Delayed departure, section 26 – Flight diversion, section 27 – Overbooked flight, section 28 –
Missed travel connection, section 29 – Shortening the trip, section 30 – Travel disruption and section 50 – Hijack of public
transport, results from the same event, we will pay for the claim under one of the sections only.

What is not covered

Please see the section on exclusions.

SECTION 51 – KIDNAP AND HOSTAGE

If the insured person is kidnapped or wrongly held, abducted or restrained by a criminal, we will pay the benefit for every
full six hours in a row this happens during the journey while outside Singapore. For the purpose of this section, the kidnap
cannot be committed by any insured person or their family member, travel companion or close business associate
whether acting alone or with others.

The kidnap must have actually taken place and been reported to the local police at the place of the event within 24 hours of
the incident ending. Any claim must be accompanied by written documents from the police.
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The maximum we will pay under this section is:

Premier Plan $300 for each insured person for every full six hours in a row and the most we will pay is:
$6,000 each insured person
$15,000 in total for adult and children cover or family cover
Elite Plan $200 for each insured person for every full six hours in a row and the most we will pay is:
$4,000 each insured person
$10,000 in total for adult and children cover or family cover
Standard Plan $100 for each insured person for every full six hours in a row of delay and the most we will pay is:
$2,000 each insured person
$5,000 in total for adult and children cover or family cover

What is not covered

Please see the section on exclusions.

SECTION 52 – PRE-EX CRITICAL CARE

(This section applies only to TravelEasy® Pre-Ex plans and covers only for single return trip with duration up to 30 days.)

For any claim under this section 52, the insured person or their representative must contact MSIG Assist as soon as the
situation allows.

The insured person must meet all the following conditions to be eligible for TravelEasy® Pre-Ex cover:

1. The insured person is following their treating doctor’s advice for all their pre-existing medical condition. This includes
not refusing or delaying any monitoring, medical appointment, medical test, medication, treatment or surgery.

2. The insured person does not have any medical condition or symptom which they have not consulted a doctor for or for
which they are waiting for medical test, medical result, diagnosis, treatment or surgery.

3. In the last 12 months, the insured person does not have any pre-existing medical condition which has required them
to:

a) receive treatment at a hospital’s Accident and Emergency Department more than once;

b) stay in a hospital as an inpatient for more than three days in a row; and

c) stay in a hospital as an inpatient for more than once.

What is covered

If during a trip outside Singapore, the insured person suffers an acute onset of a pre-existing medical condition, we will
extend the benefits under section 6 – Overseas medical expenses and section 16 – Emergency medical evacuation and
repatriation to pay for the expenses incurred by the insured person up to 30 days from the date the insured person first
suffers the acute onset of a pre-existing medical condition during the trip.

The maximum we will pay for the sections extended under this section 52 is shown in the table below. The limits shown
below are sub-limits of the relevant sections extended and not above or in addition of the limits in each section.

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 Sub-limits
Sections extended under this section 52
Pre-Ex Premier Pre-Ex Elite Pre-Ex Standard
Section 6 – Overseas Medical Expenses (Inpatient only)
Section 6 which is extended under section 52 will only pay for inpatient hospital charges.
Adult insured person aged below 70 $150,000 $100,000 $75,000
Adult insured person aged 70 or above $100,000 $75,000 $50,000
Insured child $100,000 $75,000 $50,000
Section 16 – Emergency Medical Evacuation and Repatriation
Each insured person $200,000 $150,000 $100,000

What is not covered

In addition to the exclusions, this section does not cover any claims resulting from:

1. any pre-existing medical condition that worsens within the 30 days before the start of the trip for which a doctor has
advised to see a medical specialist, undergo investigative test, surgery, or change in treatment, prescribed medication
or dosage. This does not include changes to prescribed medication or dosage for lowering blood cholesterol;

2. terminal illness regardless of whether diagnosis was received before or after this insurance was purchased;

3. outpatient medical treatment; or

4. medical expenses incurred in Singapore.

OVERALL COMPENSATION LIMIT

The most we will pay for all insured persons travelling in one aircraft or surface transport vehicle or vessel will be
$15,000,000 or the total of all benefits due for the insured persons, whichever is lesser.

If the total for all claims for insured persons travelling in one form of transport is more than $15,000,000, the most we will
pay for each of the insured persons will be a percentage of the benefits due for that person.

EXCLUSIONS

Exclusions which apply to sections 32, 33, 34, 35, 36, 37, 42 and 46

We will not pay for

1. any loss not reported within 24 hours of discovery to the local police, the airline or transport company or other carrier
who had custody of or control of the baggage or property or may be responsible for the loss;

2. perishables, fruits, food and drink products;

3. vouchers, coupons and any cards such as identity, driving license, employment pass or work permit or resident permit,
membership, access, transportation, stored-value, loyalty or rewards cards;

4. ATM, debit or credit card unless covered under section 37 – Fraudulent use of credit card;

5. loss or damage to animals, computer software, mechanical propelled vehicles, aircraft including drones, bicycles, contact
or corneal lenses, dentures, retainer or bridges for teeth, bonds, negotiable instruments, securities and stamps;

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6. loss or damage to business goods or samples or any items used in connection with the insured person’s employment or
occupation, except for laptop computer and mobile device covered under section 33 – Baggage;

7. loss of money unless covered under section 36 – Personal Money;

8. loss or damage to baggage, money or other insured property left unattended in any public place (any place which the
general public has access to), or as a result of the insured person’s failure to take care and precautions to protect the
property;

9. the cost of reproducing data whether recorded on tape, card, disc or otherwise;

10. damage or breakage of sports equipment while in use;

11. damage to any brittle or fragile items unless properly packed and protected;

12. loss or damage caused by wear and tear (including scratches, stains, dents, discoloration of the item which does not
affect how it works), loss in value, deterioration, insects, vermin, mildew, atmospheric conditions, the action of light, any
process of heating, cleaning, repairing, restoring, mechanical or electrical breakdown, misuse, faulty design or
workmanship;

13. loss or damage to property caused by customs or other government officials legally taking, holding or destroying it;

14. unexplained disappearance, shortage due to mistakes or failure to act, differences in the exchange rate or loss in value;

15. any fines or penalties the insured person has to pay due to not replacing the lost personal documents or replacing them
late;

16. any loss or damage that has been or will be refunded or paid by any carrier, hotel, travel agent or any other person or
organisation responsible for the loss of damage; or

17. any loss or damage of items hired or rented by the insured person.

Exclusions which apply to sections 21, 22, 25, 26, 27, 28, 29, 30 and 50

We will not pay for the following.

1. Any failure on your or the insured person’s part to:

a) check-in for departure by the time given by the carrier (except for reasons specifically provided above); or

b) tell the travel agent, tour operator, carrier or other provider of any service forming part of the booked itinerary that
they need to cancel or abandon the travel arrangement immediately when it is found necessary to do so.

2. Any loss or expenses being compensation for any air miles, holiday points, membership or credit card redemption you
use for the trip in part or in full.

3. Any charges not related to transport or accommodation, or any unused entertainment tickets to be claimed under
section 43 – Unused entertainment ticket.

Exclusions which apply to sections 39 and 40

We will not pay for the following.

1. Any liability arising from personal injury or bodily injury or loss of, damage to, or loss of use of property directly or

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 indirectly caused by seepage, pollution or contamination.

2. The cost of removing, dealing with or cleaning up seeping, polluting or contaminating substances.

3. Fines, penalties, punitive or exemplary damages.

4. Liability arising from:

a) death or bodily injury of the insured person’s employee or member of their family;
b) loss of or damage to property which belongs to or is in the custody or control of the insured person or their
employee or any member of their family;

c) the insured person’s employment, trade, business or profession;

d) owning or occupying any land or buildings other than temporary holiday accommodation; or

e) owning, having or using animals, firearms, mechanically propelled vehicles, vessels or aircraft including drones of any
description.

5. Any claim or loss arising out of any activity or business carried out via the internet, intranet, extranet or the insured
person’s own website, internet site, web address or when sending email or documents by electronic means.

6. Any liability which you have under an agreement but which you would not have if the agreement did not exist.

7. Judgments which are not in the first instance delivered by or received from a court within the Republic of Singapore nor
to orders received in the court for enforcing judgments made outside the Republic of Singapore whether by way of
reciprocal agreement or otherwise.

8. Any claims and losses based on, arising out of, directly or indirectly resulting from or as a result of, or any way involving:

a) asbestos; or

b) any actual or alleged asbestos-related injury or damage involving using asbestos, or the presence, existence,
detection, removal, elimination or avoidance of asbestos or exposure or potential exposure to asbestos.

GENERAL EXCLUSIONS
(which apply to the whole policy)

We will not be legally responsible for any claims, damages, losses, death or disability, injury, illness or liability directly or
indirectly caused by, or in connection with, or arising from the following.

1. Any known event.

2. Any pre-existing medical condition unless covered under section 52 – Pre-Ex Critical Care.

3. Human Immunodeficiency Virus (HIV), HIV related illnesses, or any other diseases or illnesses related to sexually
transmitted disease.

4. Childbirth, miscarriage, abortion, menopause or any pregnancy related conditions with exception to cover under section
11 – Maternity medical expenses overseas.

5. Suicide or attempted suicide, intentional self-inflicted injury or any act which could reasonably be considered as
exposure to danger (unless carried out in an attempt to save human life), insanity, or while the insured person is under

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 the influence of alcohol, drugs or other substance abuse (other than drugs taken under medical supervision and not to
treat drug addiction).

6. Any mental illness, anxiety state or depression suffered by the insured person and diagnosed before arranging the
journey.

7. The insured person taking part in the following activities unless covered under section 41 – Adventurous Activities
Cover:

a) flying or other aerial activities except travelling as a fare-paying passenger in a properly licensed, regular scheduled
commercial airline operating between licensed commercial airports;

b) rafting or canoeing involving white-water rapids, jet skiing, high diving or jumping, free diving, underwater activities
involving artificial breathing apparatus;

c) bungee jumping, sky-diving, paragliding;

d) winter sports, or any activities involving the use of a bobsleigh or skeleton;

e) hunting, potholing, mountaineering that normally involves using ropes, rock climbing unless harnessed and done on
man-made walls, hiking or trekking;

f) speed or time trials, competitions, marathon, triathlon, ultra-marathon, sprints or racing of any kind, or as a
professional sportsperson (where you could earn income, pay or sponsorship from taking part in that sport or
activity) or any organised team football;

g) extreme sports which involve speed, height, danger, a high level of physical exertion, highly specialised gear or
special stunts;

h) manual work of any kind unless you tell us when applying for the insurance and we accept this in writing; or

i) expeditions or crewing a vessel from one country to another or taking part in active service in the armed forces of
any nation.

8. The insured person taking part in naval, military, air force, civil defence or police services or operations, testing of any
kind of vehicle or transport, while taking part in off-shore or in mining, aerial imaging or handling explosives,
ammunitions or firearms, or travelling as an operator or crew member of any public transport.

9. Any deliberate, malicious, criminal or unlawful acts committed by you or the insured person or any person acting on
your or their behalf.

10. Any restrictions or regulations imposed by any government or local authority.

11. Any consequential loss not shown in the policy.

12. We will also not pay for:

a) the cost of any non-emergency treatment or surgery you choose to have, including exploratory tests, which are not
directly related to the illness or injury which required the insured person’s need to be admitted to hospital;

b) any form of cosmetic surgery or treatment;

c) any expenses in respect of normal dental inspection or treatment or in obtaining dentures, retainer;

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 d) eyeglasses or the like, hearing aids, prosthesis, corrective devices;

e) treatment or service provided by a health spa, convalescent or nursing home or any rehabilitation centre;

f) any claim if the insured person is under treatment not recommended by or carried out by a doctor, dentist or TCM
practitioner; or

g) any claim if the insured person is travelling against the advice of a doctor or for the purpose of getting medical
treatment during the journey.

13. War and terrorism exclusion

This insurance will not cover death, disability, loss, damage, destruction, any legal liabilities, cost or expense including
consequential loss of whatever nature, directly or indirectly caused by, resulting from or in connection with any of the
following, no matter whether there is any other cause or event contributing at the same time or in any other sequence to
the loss.

a) War, invasion, act of foreign enemy or warlike operations (whether declared or not), riot, civil war, revolution, civil
commotion assuming the proportions of or amounting to any uprising, military or usurped power or any similar
event.

b) Any act of terrorism including but not limited to:

i) the use or threat of force or violence; or

ii) harm or damage to life or to property (or the threat of harm or damage) including, but not limited to, nuclear
radiation or contamination by chemical or biological agents,

by any person or group committed for political, religious, ideological or similar purposes, with the intention of
putting the public or any section of the public in fear; or

c) Any action taken in controlling, preventing, suppressing or in any way relating to (a) or (b) above.

If we say your claim is not covered as a result of this exclusion, you will need to prove to us otherwise to pay the claim.

14. Radioactive contamination, chemical, biological, biochemical and electromagnetic weapons exclusion

This clause will override anything in this insurance which says differently.

We will not cover loss, damage, liability or expense directly or indirectly caused by or contributed to by or arising from:

a) ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste from
burning nuclear fuel;

b) the radioactive, toxic, explosive or other dangerous properties of any nuclear installation, reactor or other nuclear
machinery;

c) any weapon or device using atomic or nuclear fission or fusion or other similar reaction or radioactive force or
matter; or

d) the radioactive, toxic, explosive or other dangerous properties of any radioactive matter. This exclusion does not
apply to radioactive isotopes, other than nuclear fuel, when these isotopes are being prepared, carried, stored, or
used for commercial, agricultural, medical, scientific or other similar peaceful purposes;

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 e) any chemical, biological, biochemical, or electromagnetic weapon.

15. Political risks exclusion

We will not cover loss or damage caused directly or indirectly or as a result of any of the following:

a) Any legal authority legally taking your property.

b) Any property being taken from an insured person if that property was received illegally by the insured person.

We will still be legally responsible for physical damage to the insured property which takes place before the property
is taken if it is covered by this policy.

c) Any public authority legally destroying your property.

In any action suit or other proceeding where we use this exclusion as the reason for not paying the claim, you must
prove otherwise for us to pay the claim.

16. Cyber exclusion

This policy does not cover:

a) damage to any computer or other equipment, component, system or item which processes, stores, sends or retrieves
data, including loss or corruption of data (including any information or programs or software) and whether your
property or not, if the damage is caused by programming or operator error, virus or similar, or hacking; and

b) consequential loss directly or indirectly caused by or arising from general exclusion 16 (a) above;

However, we will cover any claim for subsequent loss or destruction of or damage to any property, or consequential loss
which itself results from a defined risk, but only as far as the claim would otherwise be insured under this policy.

For the purpose of this general exclusion 16 only, we use the following definitions.

Defined risk means fire, lightning, explosion, aircraft and other aerial devices or items dropped from them, riot, civil
commotion, strikers, locked-out workers, people taking part in labour disturbances, malicious people other than thieves,
earthquake, storm, flood, escape of water from any tank apparatus or pipe, property being hit by any road vehicle or animal
or volcano, freezing or weight of snow.

Virus or similar means program code, programming instruction or any set of instructions deliberately used with the ability
to damage, interfere with or otherwise have a negative effect on computer programs, data files or operations, whether
involving self-replication or not. This definition includes, but is not limited to, trojan horses, worms and logic bombs.

Hacking means unauthorised access to any computer or other equipment, component or system or item which processes,
stores, sends or retrieves data.

17. Property Cyber and data exclusion

This clause shall be paramount and shall override anything contained in this insurance inconsistent therewith.

a) Notwithstanding any provision to the contrary within this policy or any endorsement thereto this excludes any:

i) Cyber Loss;

ii) loss, damage, liability, claim, cost, expense of whatsoever nature directly or indirectly caused by, contributed to by,

QTD032212 | Page 53 of 68
 resulting from, arising out of or in connection with any loss of use, reduction in functionality, repair, replacement,
restoration or reproduction of any Data, including any amount pertaining to the value of such Data;

regardless of any other cause or event contributing concurrently or in any other sequence thereto.

b) In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain in
full force and effect.

c) This endorsement supersedes and, if in conflict with any other wording in the or any endorsement thereto having a
bearing on Cyber Loss or Data, replaces that wording.

Definitions

d) Cyber Loss means any loss, damage, liability, claim, cost or expense of whatsoever nature directly or indirectly
caused by, contributed to by, resulting from, arising out of or in connection with any Cyber Act or Cyber Incident
including, but not limited to, any action taken in controlling, preventing, suppressing or remediating any Cyber Act or
Cyber Incident.

e) Cyber Act means an unauthorised, malicious or criminal act or series of related unauthorised, malicious or criminal
acts, regardless of time and place, or the threat or hoax thereof involving access to, processing of, use of or
operation of any Computer System.

f) Cyber Incident means:

i) any error or omission or series of related errors or omissions involving access to, processing of, use of or operation
of any Computer System; or

ii) any partial or total unavailability or failure or series of related partial or total unavailability or failures to access,
process, use or operate any Computer System.

g) Computer System means:

i) any computer, hardware, software, communications system, electronic device (including, but not limited to, smart
phone, laptop, tablet, wearable device), server, cloud or microcontroller including any similar system or any
configuration of the aforementioned and including any associated input, output, data storage device, networking
equipment or back up facility, owned or operated by the Insured or any other party.

h) Data means information, facts, concepts, code or any other information of any kind that is recorded or transmitted in
a form to be used, accessed, processed, transmitted or stored by a Computer System.

18. COVID-19 and pandemics exclusion

Except for benefits extended under COVID-19 Cover under a single return trip policy or under an annual policy if COVID-19
Cover is selected and stated on the schedule or endorsement, this policy excludes any loss, damage, liability, expense,
fines, penalties or any other amount directly or indirectly caused by, in connection with, or in any way involving or arising
out of any of the following –including any fear or threat thereof, whether actual or perceived:

a) Coronavirus (COVID-19) including any mutation or variation thereof; or

b) Pandemic or epidemic, as declared as such by the World Health Organisation or any governmental authority.

QTD032212 | Page 54 of 68
 GENERAL CONDITIONS
(which apply to the whole policy and which you and the insured persons must keep to)

The conditions which appear in the policy or in any endorsement are part of the contract and you must keep to them.
1. Precaution

The insured persons must take all reasonable steps to prevent loss, damage or accident and recover any missing
property.

2. Cancellation

a) If the policy is an annual plan:

i) we may cancel the policy at any time by giving you seven days’ notice in writing to your last-known address (if we
do, we will return a percentage of your premium depending on how much of the period of insurance is left to run);
and

ii) you may cancel the policy at any time by giving us seven days’ written notice as long as you have not made a claim
under the policy, and you will be entitled to the following percentage of your premium.

Period policy is in force % of premium we will refund

Up to 2 months 60%
Up to 3 months 50%
Up to 4 months 40%
Up to 5 months 30%
Up to 6 months 20%
Above 6 months No refund allowed

We will keep at least $50 in all cases.

b) If the policy covers a single return trip, you may at any time before the start of the period of insurance cancel the
policy by giving us written notice. You are entitled to refund of the premium less $50 which we will retain.

For TravelEasy® Pre-Ex policy, if the insured person’s pre-existing medical condition has worsened within 30 days
before the start of the trip or has contracted a terminal illness, they can request to cancel the policy and we will
refund the premium paid.

You will not be entitled to any refund of premium if the period of insurance has started, or you have made any claim
under the policy.

3. Keeping to the conditions

We will only pay claims under this policy if you and the insured persons keep to all conditions of this policy and the
statements and answers in the application are truthful.

4. Legal personal representative

The terms, exclusions and conditions of this policy will also apply to your or any insured person’s legal representatives.

5. Same cover

If an insured person is insured under more than one travel insurance policy we have arranged for the same journey, we
will only pay the highest benefit from one of the policies.

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6. Claims from other insurance or sources

When an incident results in a claim under this policy and the same loss, damage, expense or liability can be claimed from
any other sources, we will pay as follow:

a) Where the same loss is covered by another insurance, we will only pay our proportionate share of the claim.

b) Where the same loss is covered by any source other than insurance, we will only pay the balance of what you are not
able to recover, up to the benefit limit of this policy.

This condition does not apply to the following sections.

Section 1 Accidental death and permanent total disability

Section 2 Public transport double cover
Section 3 Funeral expenses due to an accident
Section 4 Child education grant
Section 5 Family assistance benefit
Section 12 Overseas hospitalisation daily benefit
Section 13 Overseas ICU hospitalisation daily benefit
Section 14 Hospitalisation daily benefit in Singapore
Section 25 Delayed departure (excluding Alternative Travel Arrangement)
Section 26 Flight diversion
Section 27 Overbooked flight
Section 28 Missed travel connection
Section 32 Delayed baggage
Section 47 Domestic pets care
Section 49 Passive war
Section 50 Hijack of public transport
Section 51 Kidnap and hostage

7. Governing law

This contract of insurance is governed by the laws of Singapore. If there is any dispute, it will be dealt with by the courts
of Singapore.

8. Excluding rights under the Contracts (Rights of Third Parties) Act

A person who is not a party to in this policy contract will have no right under the Contracts (Rights of Third Parties) Act
2001 to enforce any of its terms.

9. Currency

All amounts shown are in Singapore dollars.

CLAIM CONDITIONS
(which apply to the whole policy)

For us to pay claims under this policy, you must keep to the following conditions.

1. Telling us about a claim

You must contact us with full details as soon as possible of any injury, illness or incident or when you discover any loss
or damage which may result in a claim under this policy. You must also tell us if you know about any writ, summons or

QTD032212 | Page 56 of 68
 prosecution against you or an insured person and immediately send us every letter or document which relates to a
claim.

2. Conduct of claim

You and the insured person or any person acting for you or the insured person:

a) must not negotiate any claim or admit or deny legal responsibility without our written permission;

b) must co-operate fully with us as well as our appointed representatives such as investigators, loss adjusters; and

c) must give us all medical reports, certificates, information and evidence required by us or our appointed
representatives which we may need at your expense;

If your claim is for bodily injury or illness, we may ask, and will pay for, a medical examination. We may also ask, and will
pay for, a post-mortem examination if any insured person passes away.

3. Disappearance

We will not presume the insured person has died as a result of an accident if they disappear, unless there has been the
total loss of the sea-going vessel, aircraft or train on which the insured person was travelling. The death of the insured
person must be established by an official death certificate, or in the event of them disappearing after an accident or
the total loss of the sea-going vessel, train or aircraft, by a court order presuming they are dead.

4. Who we will pay

For the following sections, we will pay claims to the insured person unless the insured person has died:

Section 1 – Accidental death and permanent total disability

Section 2 – Public transport double cover
Section 3 – Funeral expenses due to an accident
Section 4 – Child education grant
Section 5 – Family assistance benefit
Section 12 – Overseas hospitalisation daily benefit
Section 13 – Overseas ICU hospitalisation daily benefit
Section 14 – Hospitalisation daily benefit in Singapore
Section 25 – Delayed Departure
Section 26 – Flight diversion
Section 27 – Overbooked flight
Section 28 – Flight misconnection
Section 32 – Delayed baggage
Section 47 – Domestic pet care
Section 49 – Passive war
Section 50 – Hijack of public transport
Section 51 – Kidnap and hostage

If the insured person or child has died, we will pay:

a) the insured person’s legal personal representatives; or

b) you or your legal personal representatives for an insured child.

For sections providing refunds or cover for expenses or liabilities paid or agreed, we will either pay:

QTD032212 | Page 57 of 68
 a) the policyholder or insured person concerned who had the expense or liability;

b) our appointed assistance company or their authorised representatives or the healthcare provider to whom we or our
assistance company have provided a guarantee (as appropriate); or

c) the person or organization that the policyholder or the insured person owes the money to under Section 39 –
Personal Liability. If we pay the claim in line with the above, we will have no further legal responsibility under this
policy for the insured person concerned.

5. Taking action in your name

We can defend and settle any legal action in your or the insured person’s name. We can recover any payment we make
under the policy for our own benefit and we can do it in your or the insured person’s name. You and the insured
persons will have to give us all information and help we may need. We will bear any legal cost incurred for these
purposes.

6. Our rights

At any time after an event has happened giving rise to a claim or series of claims under the personal liability section of
this policy, we may pay you the full amount of the claim (or any smaller amount we can settle the claim for) and then will
have no responsibility for dealing with any claim, defence or proceedings. We will not be responsible for any damage,
loss or liability alleged to have been caused to you or the insured person as a result of any alleged act or failure to act
on our part in connection with that claim, defence or proceedings. We will not be legally responsible for any costs or
expenses you or any person claiming may have expended after our liability has been released.

7. Arbitration

If there is any dispute about whether we are legally responsible for paying a claim or about the amount to be paid under
this policy, it will be decided by arbitration in line with current law. Before you can take any other action, this arbitration
must take place and an award made.

If within 12 months from the date of you claiming that we are legally responsible for a claim and you do not take up the
offer of arbitration, we will assume you have abandoned the claim.

8. Time limit for taking legal action

If you do not begin legal action within 12 months after the arbitration award is made, we will not be legally responsible
for the claim.

9. False or exaggerated claims

If you or anyone acting for you makes a claim under this policy knowing the claim to be dishonest or exaggerated in any
way, we will not pay the claim and all cover under this policy will end immediately. We can tell the police about this.

PREMIUM WARRANTY

Payment before cover warranty – This applies if you are an individual

1. We must receive the total premium due on or before the start date for the cover under the policy. Payment shall be
considered to have been received by us when one of the following acts takes place:

a) Cash or honoured cheque for the premium is handed over to us or our intermediaries;

QTD032212 | Page 58 of 68
 b) A credit or debit card transaction for the premium is approved by the issuing bank;

c) A payment through an electronic medium including the internet is approved by the relevant party;

d) A credit in favour of us or our intermediaries is made through an electronic medium including the internet.

2. If we do not receive the full premium due as described in clause 1 above, the insurance will not apply and we will not pay
any benefits under the policy.

Essential condition – This applies if you are a business

This policy is only valid if:

1. for the risk insured, you have never had any insurance stopped in the last 12 months due to breaking any premium-
payment condition; or

2. you have declared that you have broken any premium-payment for a previous policy taken up with another insurer in the
last 12 months.

You must have fully paid all outstanding premiums to the previous insurer based on the short period rate for the previous
policy and we must have a copy of written confirmation from the previous insurer to prove this before our cover starts.

Premium payment warranty – This applies if you are a business

1. Despite anything else we may say in the policy, depending on clause 2 below, if the period of insurance is 60 days or
more, any premium due must be paid and we (or our intermediary) must have received it within 60 days of the start date
of cover under the policy, renewal certificate or cover note.

2. If the above doesn’t happen:

a) the cover under the policy, renewal certificate or cover note will automatically end after the 60-day period;

b) this will not affect the coverage under the policy within the 60-day period; and

c) we will be entitled to the premium for the time we provided cover subject to a minimum of $50.

3. If the period of insurance is less than 60 days, we or our intermediary must have received any premium due in full
within the period of insurance.

USEFUL PROCEDURES

1. Making a claim

Report your claim to us and send us a completed claim form together with all supporting documents. Information
requested on the claim form includes the claimant’s personal particulars, contact details and policy number. You should
also include a brief description of the claim and particulars of other persons or witnesses involved, if applicable. Refer to
our website for details.

2. Your feedback channels

If you have any feedback or comments on our service, tell us about it. Our Service Quality Team will acknowledge receipt
of your feedback within one working day and give you a final reply within seven working days. Refer to our website for
details.

QTD032212 | Page 59 of 68
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 your insurer or visit the GIA /LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

IMPORTANT - The insured is requested to read this policy. If any error or misdescription be found, the policy should
be returned to the issuing office for correction.

QTD032212 | Page 60 of 68
TravelEasy® Benefits Summary

The TravelEasy® Benefits Summary below sets out the maximum amounts we will pay each insured person for each trip
under the applicable plan. Sub-limits and cover restrictions may apply. Please refer to the Policy for full details of the limits,
terms, conditions and exclusions of this insurance. All sums are in Singapore Dollars.

For TravelEasy® Plans with cover for pre-existing medical conditions, please refer to the TravelEasy® Pre-Ex Benefits
Summary for details.

Standard Plan Elite Plan Premier Plan

Adult & Adult & Adult &
children children children
Benefits Individual Family Individual Family Individual Family
cover cover cover
(in total)1 (in total)1 (in total)1
Limit of Benefits
Personal accident cover
Section 1 Accidental death and permanent total disability
Adult below 70 years $150,000 $200,000 $500,000
Adult 70 years & above $50,000 $400,000 $75,000 $550,000 $100,000 $1,200,000
Child $50,000 $75,000 $100,000
Section 2 Public transport double cover
Adult below 70 years $400,000 $1,000,000
Not Not
Adult 70 years & above Not covered $1,100,000 $2,400,000
covered covered
Child $150,000 $200,000
Section 3 Funeral expenses due to an accident
Adult $3,000 $5,000 $8,000
$6,000 $10,000 $16,000
Child $750 $1,250 $2,000
$5,000 each child, $8,000 each child,
Section 4 Child education grant Not covered
up to $20,000 up to $32,000
Section 5 Family assistance benefit Not covered $3,000 $6,000 $5,000 $10,000
Medical & related benefits cover
Section 6 Overseas medical expenses
Adult below 70 years $250,000 $500,000 $1,000,000
Adult 70 years & above $50,000 $800,000 $75,000 $1,400,000 $100,000 $2,600,000
Child $150,000 $200,000 $300,000
Section 7 Emergency dental expenses
Adult $5,000 $10,000 $15,000
$10,000 $20,000 $30,000
Child $1,250 $2,500 $3,750
Section 8 Medical expenses in Singapore
Adult below 70 years $25,000 $50,000 $75,000
Adult 70 years & above $5,000 $70,000 $7,500 $140,000 $10,000 $210,000
Child $10,000 $20,000 $30,000
Section 9 Mobility aid reimbursement
Adult $1,000 $3,000 $5,000
$2,000 $6,000 $10,000
Child $250 $750 $1,250

QTD032212 | Page 61 of 68
 Standard Plan Elite Plan Premier Plan
Adult & Adult & Adult &
children children children
Benefits Individual Family Individual Family Individual Family
cover cover cover
(in total)1 (in total)1 (in total)1
Limit of Benefits
Section 10 Traditional Chinese medicine expenses
Adult $200 $400 $600
$600 $1,300 $1,800
Child $100 $250 $300
Section 11 Maternity medical expenses overseas
Adult Not covered $2,000 $3,000
Section 12 Overseas hospitalisation daily benefit
$200 per $250 per $300 per
day day day
Adult
Max. Max. Max.
$20,000 $37,500 $60,000
$50,000 $100,000 $150,000
$100 per $125 per $150 per
day day day
Child
Max. Max. Max.
$5,000 $12,500 $15,000
Section 13 Overseas ICU hospitalisation daily benefit
$350 per $400 per
day day
Adult Not covered
Max. $10,000 Max.
$3,500 $4,000
$12,000
$150 per $200 per
day day
Child Not covered
Max. Max.
$1,500 $2,000
Section 14 Hospitalisation daily benefit in Singapore
$100 per $100 per
$100 per
day day
Adult day
Max. Max.
Max. $500
$1,300 $1,000 $2,500 $2,000 $5,000
$50 per $50 per $50 per
Child day day day
Max. $150 Max. $250 Max. $500
Section 15 Medical & travel
Available Available Available
assistance services
Section 16 Emergency medical evacuation and repatriation
a) Emergency medical evacuation
b) Sending you home after a medical
$1,000,000 $1,000,000 $1,000,000
emergency evacuation
c) Sending home your mortal remains
Section 17 Compassionate and
$5,000 $12,500 $10,000 $25,000 $15,000 $37,500
hospital visit
Section 18 Child guard $5,000 $12,500 $10,000 $25,000 $15,000 $37,500
Section 19 Emergency telephone
$100 $250 $200 $500 $300 $750
charges

QTD032212 | Page 62 of 68
 Standard Plan Elite Plan Premier Plan
Adult & Adult & Adult &
children children children
Benefits Individual Family Individual Family Individual Family
cover cover cover
(in total)1 (in total)1 (in total)1
Limit of Benefits
Travel inconvenience cover
Section 20 Insolvency of licensed
$2,000 $4,000 $4,000 $8,000 $6,000 $12,000
travel operator
Section 21 Travel cancellation $5,000 $12,500 $10,000 $25,000 $15,000 $37,500
Section 22 Travel postponement $750 $1,875 $1,500 $3,750 $2,000 $5,000
Section 23 Replacement of traveller $500 $1,250 $750 $1,875 $1,000 $2,500
Section 24 Replacement of
$5,000 $10,000 $15,000
employee
Section 25 Delayed departure $100 $100
$100
Every 6 hours $1,000 Max. $2,000 Max. $3,000
Max. $500
$1,000 $1,500
Section 26 Flight diversion $100 $100
$100
Every 6 hours $1,000 Max. $2,000 Max. $3,000
Max. $500
$1,000 $1,500
Section 27 Overbooked flight $100 $150 $200
$400 $600 $800
Every 6 hours Max. $200 Max. $300 Max. $400
Section 28 Missed travel connection $100 $150 $200
$400 $600 $800
Every 6 hours Max. $200 Max. $300 Max. $400
Section 29 Shortening the trip $5,000 $12,500 $10,000 $25,000 $15,000 $37,500
Section 30 Travel disruption $1,000 $2,500 $2,000 $5,000 $3,000 $7,500
Section 31 Automatic extension of
Yes Yes Yes
cover
Section 32 Delayed baggage $200 $250
$150
Every 6 hours $1,200 Max. $2,000 Max. $3,000
Max. $600
$1,000 $,1500
Section 33 Baggage
Limit: $500 per article, pair or set of
$3,000 $6,000 $5,000 $10,000 $7,500 $15,000
items and $1,000 for one unit laptop
computer
Section 34 Wedding clothing &
Not covered $2,500 $3,500
accessories
Section 35 Loss of travel documents $2,000 $4,000 $3,000 $6,000 $5,000 $10,000
Section 36 Personal money $100 $300 $500
Section 37 Fraudulent use of credit
Not covered $2,000 $3,000
card
Section 38 Credit card outstanding
Not covered $2,000 $3,000
balance
Personal liability
Section 39 Personal liability
Adult $500,000 $1,000,000 $1,000,000
$500,000 $1,000,000 $1,000,000
Child $250,000 $500,000 $500,000

QTD032212 | Page 63 of 68
 Standard Plan Elite Plan Premier Plan
Adult & Adult & Adult &
children children children
Benefits Individual Family Individual Family Individual Family
cover cover cover
(in total)1 (in total)1 (in total)1
Limit of Benefits
Section 40 Legal expenses for wrongful arrest or detention
Adult $5,000 $10,000
Not covered $5,000 $10,000
Child $5,000 $10,000
Lifestyle cover
Section 41 Adventurous activities
Not covered Yes Yes
cover
Section 42 Golfer's cover
Damage or loss of golf equipment $1,000 $1,500
Unused green fees due to injury or
Not covered $500 $750
illness
Hole-in-one $500 $750
Section 43 Unused entertainment
Not covered $300 $600 $500 $1,000
ticket
Section 44 Rental vehicle excess Not covered $1,000 $1,500
Section 45 Returning a rental
Not covered $500 $750
vehicle
Section 46 Home contents Not covered $10,000 $15,000
$50 per day $75 per day
Section 47 Domestic pets care Not covered
Max. $500 Max. $750
Safety
Section 48 Terrorism cover
Adult below 70 years $200,000 $300,000 $500,000
Adult 70 years & above $200,000 $800,000 $300,000 $1,200,000 $500,000 $2,000,000
Child $200,000 $300,000 $500,000
Section 49 Passive war
Adult below 70 years $150,000 $200,000 $500,000
Adult 70 years & above $50,000 $400,000 $75,000 $550,000 $100,000 $1,200,000
Child $50,000 $75,000 $100,000
Section 50 Hijack of public transport $100 $200 $300
Every 6 hours Max. $5,000 Max. $10,000 Max. $15,000
$2,000 $4,000 $6,000
Section 51 Kidnap and hostage $100 $200 $300
Every 6 hours Max. $5,000 Max. $10,000 Max. $15,000
$2,000 $4,000 $6,000

1 The limits under adult & children/family cover are subject to individual cover limits for each insured person.

QTD032212 | Page 64 of 68
TravelEasy® Pre-Ex Benefits Summary

The TravelEasy® Pre-Ex Benefits Summary below sets out the maximum amounts we will pay each insured person for each
trip under the applicable plan. Sub-limits and cover restrictions may apply. Please refer to the Policy for full details of the
limits, terms, conditions and exclusions of this insurance. All sums are in Singapore Dollars.

Pre-Ex Standard Pre-Ex Elite Pre-Ex Premier

Plan Plan Plan
Benefits
Individual
Limit of Benefits
Sections 1 to 51 under the TravelEasy® Pre-Ex Standard, Pre-Ex Elite and Pre-Ex Premier plans will cover you for
claims not relating to pre-existing medical conditions such as injury or illness sustained during the trip.
Personal accident cover
Section 1 Accidental death and permanent total disability
Adult below 70 years $150,000 $200,000 $500,000
Adult 70 years & above $50,000 $75,000 $100,000
Child $50,000 $75,000 $100,000
Section 2 Public transport double cover
Adult below 70 years $400,000 $1,000,000
Adult 70 years & above Not covered Not covered Not covered
Child $150,000 $200,000
Section 3 Funeral expenses due to an accident
Adult $3,000 $5,000 $8,000
Child $750 $1,250 $2,000
$5,000 each child, $8,000 each child,
Section 4 Child education grant Not covered
up to $20,000 up to $32,000
Section 5 Family assistance benefit Not covered $3,000 $5,000
Medical & related benefits cover
Section 6 Overseas medical expenses
Adult below 70 years $250,000 $500,000 $1,000,000
Adult 70 years & above $50,000 $75,000 $100,000
Child $150,000 $200,000 $300,000
Section 7 Emergency dental expenses
Adult $5,000 $10,000 $15,000
Child $1,250 $2,500 $3,750
Section 8 Medical expenses in Singapore
Adult below 70 years $25,000 $50,000 $75,000
Adult 70 years & above $5,000 $7,500 $10,000
Child $10,000 $20,000 $30,000
Section 9 Mobility aid reimbursement
Adult $1,000 $3,000 $5,000
Child $250 $750 $1,250
Section 10 Traditional Chinese medicine expenses
Adult $200 $400 $600
Child $100 $250 $300
Section 11 Maternity medical expenses overseas
Adult Not covered $2,000 $3,000

QTD032212 | Page 65 of 68
 Pre-Ex Standard Pre-Ex Elite Pre-Ex Premier
Plan Plan Plan
Benefits
Individual
Limit of Benefits
Section 12 Overseas hospitalisation daily benefit
$200 per day $250 per day $300 per day
Adult
Max. $20,000 Max. $37,500 Max. $60,000
$100 per day $125 per day $150 per day
Child
Max. $5,000 Max. $12,500 Max. $15,000
Section 13 Overseas ICU hospitalisation daily benefit
$350 per day $400 per day
Adult Not covered
Max. $3,500 Max. $4,000
$150 per day $200 per day
Child Not covered
Max. $1,500 Max. $2,000
Section 14 Hospitalisation daily benefit in Singapore
$100 per day $100 per day $100 per day
Adult
Max. $500 Max. $1,000 Max. $2,000
$50 per day $50 per day $50 per day
Child
Max. $150 Max. $250 Max. $500
Section 15 Medical & travel assistance services Available Available Available
Section 16 Emergency medical evacuation and repatriation
a) Emergency medical evacuation
b) Sending you home after a medical emergency
$1,000,000 $1,000,000 $1,000,000
evacuation
c) Sending home your mortal remains
Section 17 Compassionate and hospital visit $5,000 $10,000 $15,000
Section 18 Child guard $5,000 $10,000 $15,000
Section 19 Emergency telephone charges $100 $200 $300
Travel inconvenience cover
Section 20 Insolvency of licensed travel operator $2,000 $4,000 $6,000
Section 21 Travel cancellation $5,000 $10,000 $15,000
Section 22 Travel postponement $750 $1,500 $2,000
Section 23 Replacement of traveller $500 $750 $1,000
Section 24 Replacement of employee $5,000 $10,000 $15,000
Section 25 Delayed departure $100 $100 $100
Every 6 hours Max. $500 Max. $1,000 Max. $1,500
Section 26 Flight diversion $100 $100 $100
Every 6 hours Max. $500 Max. $1,000 Max. $1,500
Section 27 Overbooked flight $100 $150 $200
Every 6 hours Max. $200 Max. $300 Max. $400
Section 28 Missed travel connection $100 $150 $200
Every 6 hours Max. $200 Max. $300 Max. $400
Section 29 Shortening the trip $5,000 $10,000 $15,000
Section 30 Travel disruption $1,000 $2,000 $3,000
Section 31 Automatic extension of cover Covered Covered Covered
Section 32 Delayed baggage $150 $200 $250
Every 6 hours Max. $600 Max. $1,000 Max. $1,500
Section 33 Baggage
Limit: $500 per article, pair or set of items and $1,000 for $3,000 $5,000 $7,500
one unit laptop computer
Section 34 Wedding clothing & accessories Not covered $2,500 $3,500

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 Pre-Ex Standard Pre-Ex Elite Pre-Ex Premier
Plan Plan Plan
Benefits
Individual
Limit of Benefits
Section 35 Loss of travel documents $2,000 $3,000 $5,000
Section 36 Personal money $100 $300 $500
Section 37 Fraudulent use of credit card Not covered $2,000 $3,000
Section 38 Credit card outstanding balance Not covered $2,000 $3,000
Personal liability
Section 39 Personal liability
Adult $500,000 $1,000,000 $1,000,000
Child $250,000 $500,000 $500,000
Section 40 Legal expenses for wrongful arrest or detention
Adult Not covered $5,000 $10,000
Child Not covered $5,000 $10,000
Lifestyle cover
Section 41 Adventurous activities cover Not covered Yes Yes
Section 42 Golfer's cover
Damage or loss of golf equipment $1,000 $1,500
Unused green fees due to injury or illness Not covered $500 $750
Hole-in-one $500 $750
Section 43 Unused entertainment ticket Not covered $300 $500
Section 44 Rental vehicle excess Not covered $1,000 $1,500
Section 45 Returning a rental vehicle Not covered $500 $750
Section 46 Home contents Not covered $10,000 $15,000
Section 47 Domestic pets care $50 per day $75 per day
Not covered
Max. $500 Max. $750
Safety
Section 48 Terrorism cover
Adult below 70 years $200,000 $300,000 $500,000
Adult 70 years & above $200,000 $300,000 $500,000
Child $200,000 $300,000 $500,000
Section 49 Passive war
Adult below 70 years $150,000 $200,000 $500,000
Adult 70 years & above $50,000 $75,000 $100,000
Child $50,000 $75,000 $100,000
Section 50 Hijack of public transport $100 $200 $300
Every 6 hours Max. $2,000 Max. $4,000 Max. $6,000
Section 51 Kidnap and hostage $100 $200 $300
Every 6 hours Max. $2,000 Max. $4,000 Max. $6,000

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 Pre-Ex Standard Pre-Ex Elite Pre-Ex Premier
Plan Plan Plan
Benefits
Individual
Limit of Benefits
Section 52 - Pre-Ex Critical Care
This section extends sections 6 and 16 of the policy to cover for claims relating to an acute onset of a pre-existing
medical condition during your trip overseas.
You must meet all the conditions of cover for your claims to be valid.
Pre-Ex Critical Care
Section 6 Overseas medical expenses (sub-limit)
Covers inpatient hospital charges only
Adult below 70 years $75,000 $100,000 $150,000
Adult 70 years & above $50,000 $75,000 $100,000
Child $50,000 $75,000 $100,000
Section 16 Emergency medical evacuation and repatriation (sub-limit)
Adult below 70 years
Adult 70 years & above $100,000 $150,000 $200,000
Child

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