| | Travel Guard Policy Highlights / CoverageTravel Guard Travel Insurance is underwritten by American Home Assurance Company,
Singapore Branch (AHA), A Chartis Company. Servicing agent: Loh Leng Ngah(wef Jan 2010  AIG Assist had been rebranded as Chartis Travel Guard)
SUMMARY OF COVERAGE | MAXIMUM BENEFIT S$ |
| | | Section 1 | Medical Expenses Incurred Overseas | | | | | Insured Person before attaining the age of 70 years and below | $2,000,000 | $500,000 | $250,000 | | Insured Person upon attaining the age of 70 years and above. | $75,000 | $75,000 | $50,000 | | Insured Child in a Family Plan before attaining the age of 18 years or below 23 years old if studying full-time or enrolled to study full-time in a recognised institution of learning or higher learning. | $200,000 | $200,000 | $200,000 | | Section 2 | Medical Expenses Incurred in Singapore | | | | | Insured Person before attaining the age of 70 years and below. | $50,000 | $25,000 | $12,500 | | Insured Person upon attaining the age of 70 years and above. | $5,000 | $2,500 | $1,000 | | Insured Child in a Family Plan before attaining the age of 18 years or below 23 years old if studying full-time or enrolled to study full-time in a recognised institution of learning or higher learning. | $10,000 | $10,000 | $10,000 | | Section 3 | Medical Expenses - Women Benefit | | | | | Incurred overseas due to Pregnancy Related Sickness. | $8,000 | $5,000 | $2,000 | | Section 4 | Treatment by Physician | | | | | Covers treatment by registered and licenced herbalist, chiropractor, acupuncturist, bone setter, osteopath or traditional Chinese medical practitioner. | $500 | $300 | $100 | | Section 5 | Overseas Hospital Income | | | | | Pays S$200 for every complete day You are hospitalised overseas. | $50,000 | $30,000 | $10,000 | | Section 6 | Hospital Income in Singapore | | | | | Pays S$100 for every complete day You are hospitalised in Singapore. | $1,000 | $1,000 | $500 | | Section 7 | Emergency Medical Evacuation | | | | | Covers all Travel Guard Emergency Medical Evacuation expenses. | Unlimited | Unlimited | $500,000 | | Section 8 | Repatriation | | | | | Covers all Travel Guard expenses incurred in returning Your remains to Singapore in the event You suffer death during the Trip. | Unlimited | Unlimited | $30,000 | | Section 9 | Direct Repatriation | | | | | Covers all Travel Guard expenses incurred in returning Your remains to Your home country in the event You suffer death during the Trip. | Unlimited | $30,000 | $15,000 | | Section 10 | Hospital Visitation | | | | | Pays for the travel and accommodation expenses for the visit of one Relative or friend if You cannot be evacuated and require hospitalization overseas for more than 5 days. | $10,000 | $5,000 | $3,000 | | Section 11 | Compassionate Visit | | | | | Pays for the travel and accommodation expenses of sending one Relative or friend if assistance is required overseas in the repatriation arrangement of Your remains overseas. | $10,000 | $5,000 | $3,000 | | Section 12 | Child Protector | | | | | Pays for the travel and accommodation expenses of sending one Relative or friend to accompany Your children home following Your hospitalization whilst overseas. | $10,000 | $5,000 | $3,000 | | Section 13 | Emergency Telephone Charges | | | | | Reimburses You for telephone charges incurred in contacting Travel Guard for24-hour medical assistance. | $250 | $100 | $100 | | Section 14 | Automatic Extension of Policy Cover | | | | | Allows You automatic extension of this Policy up to 30 days without additional premium due to Your hospitalisation and/or quarantine overseas. | YES | YES | YES |
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 For details please refer to travel insurance terms, conditions and exclusions.Travel Guard Travel Insurance is underwritten by American Home Assurance Company,
Singapore Branch (AHA), A Chartis Company. Servicing agent: Loh Leng Ngah(wef Jan 2010 AIG Assist had been rebranded as Chartis Travel Guard) | | Section 15 | Accidental Death & Permanent Disablement | | | | | Insured Person before attaining the age of 70 years and below. | $500,000 | $200,000 | $150,000 | | Insured Person upon attaining the age of 70 years and above. | $200,000 | $100,000 | $50,000 | | Insured Child in a Family Plan before attaining the age of 18 years or below 23 years old if studying full-time or enrolled to study full-time in a recognised institution of learning or higher learning. | $100,000 | $100,000 | $50,000 | | Section 16 | Public Transport Double Cover | | | | | Insured Person before attaining the age of 70 years and below. | $1,000,000 | $400,000 | NA | | Insured Person upon attaining the age of 70 years and above. | $400,000 | $200,000 | NA | | Insured Child in a Family Plan before attaining the age of 18 years or below 23 years old if studying full-time or enrolled to study full-time in a recognised institution of learning or higher learning. | $200,000 | $200,000 | NA | | Section 17 | Child Education Grant | | | | | Pays for each legally dependent child (before attaining the age of 23 years and below) studying or enrolled to study as a full-time student in a recognised institution of learning or higher learning as a result of Your accidental death. | $5,000 | $5,000 | NA |
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For details please refer to travel insurance terms, conditions and exclusions.Travel Guard Travel Insurance is underwritten by American Home Assurance Company,
Singapore Branch (AHA), A Chartis Company. Servicing agent: Loh Leng Ngah(wef Jan 2010 AIG Assist had been rebranded as Chartis Travel Guard) | | Section 18 | Travel Cancellation | | | | Covers loss of irredeemable travel and accommodation expenses paid in advance and occurring up to 60 days prior to departure from Singapore due to
• Your death or serious injury/sickness or death or serious injury/sickness of Your relative or travel companion;
• unexpected outbreak of strike, civil unrest, riot or commotion;
• serious damage to Your residence as a result of fire, natural disasters; and
• witness summons or jury service. | $15,000 | $10,000 | $5,000 | | Section 19 | Travel Postponement | | | | Covers additional administrative charges for travel and accommodation expenses paid in advance and occurring up to 60 days prior to departure from Singapore due to
• Your death or serious injury/sickness or death or serious injury/sickness of Your relative or travel companion;
• unexpected outbreak of strike, civil unrest, riot or commotion;
• serious damage to Your residence as a result of fire, natural disasters; and
• witness summons or jury service. | $2,000 | $1,000 | $500 | | Section 20 | Travel Cancellation due to Insolvency | | | | | Covers the loss of irrecoverable charges or deposit paid in advance in the event of insolvency of a NATAS registered travel agent from which You purchased the Trip. | $5,000 | $3,000 | $1,000 | | Section 21 | Travel Curtailment | | | | | Covers additional travel or accommodation expenses incurred or forfeited after the commencement of the Trip in the event of Your serious injury/sickness; aircraft hijack whilst on board; unexpected death or injury/sickness of Your relative or travel companion; unexpected civil unrest, commotion, riot, strike; natural disasters; and quarantine. | $15,000 | $10,000 | $5,000 | | Section 22 | Fraudulent Credit Card Usage | | | | | Covers unauthorized charges that You are responsible for on Your stolen payment card. | $1,000 | $1,000 | $1,000 | | Section 23 | Personal Baggage including Laptop Computer | | | | | Covers loss or damage sustained overseas to baggage, clothing, personal effects, Laptop Computer (Max. $500 for any one article or pair or set of articles. Max. for Laptop Computer is $1,000). | $5,000 | $5,000 | $3,000 | | Section 24 | Jewellery Coverage | | | | | Compensates the loss of jewellery whilst overseas due to robbery or theft or burglary. | $750 | $500 | NA | | Section 25 | Baggage Delay | | | | | Pays $200 for each full 6 consecutive hours that Your baggage is delayed whilst overseas and max. of $200 if baggage is delayed in Singapore. | $1,000 | $1,000 | $1,000 | | Section 26 | Travel Documents | | | | | Pays Your travel and hotel expenses including cost of obtaining replacement passports, travel tickets and visa incurred overseas where such travel documents are lost overseas. Where replacement passports are to be obtained in Singapore, replacement costs (excluding transport costs) are covered. Loss of money due to theft whilst overseas is also covered (max. $300). | $5,000 | $5,000 | $3,000 | | Section 27 | Travel Delay | | | | | Pays $100 for each full 6 consecutive hours of delay whilst overseas and max. of $100 if delay is in Singapore. | $1,000 | $1,000 | $1,000 | | Section 28 | Flight Diversion | | | | | Pays $100 for each 6 full consecutive hours if Your flight has been diverted to another destination whilst overseas due to adverse weather conditions. | $1,000 | $1,000 | $1,000 | | Section 29 | Flight Overbooking | | | | | Pays $100 in the event You failed to board the scheduled flight whilst overseas due to an overbooking although You have a confirmed reservation from the airline for at least 6 consecutive hours. | $100 | $100 | NA | | Section 30 | Travel Misconnection | | | | | Covers expenses incurred as a result of misconnection of conveyance whilst overseas for at least 6 consecutive hours. | $500 | $200 | $200 | | Section 31 | Kidnap & Hostage | | | | | Pays $250 for every 24 hours You are kidnapped whilst on the Trip. | $10,000 | $5,000 | $3,000 | | Section 32 | Personal Liability Abroad | | | | | Covers You against liability to third parties or damage to their property caused by Your negligence. | $1,000,000 | $1,000,000 | $500,000 |
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For details please refer to travel insurance terms, conditions and exclusions.Travel Guard Travel Insurance is underwritten by American Home Assurance Company,
Singapore Branch (AHA), A Chartis Company. Servicing agent: Loh Leng Ngah(wef Jan 2010 AIG Assist had been rebranded as Chartis Travel Guard) | | Section 33 | Golf Advantage | | | | • Damage or Loss of Golfing Equipment.
• Hole-in-One.
• Green Fees.
Covers loss of irredeemable green fees, hire fees of golf equipment or tuition fees for golf coaching during a Trip in the event of Your serious injury/sickness or documents evidencing payment of such fees have been stolen, robbed or burgled. | $750
$250
$250 | $500
NA
$150 | $500
NA
NA | | Section 34 | Home Guard | | | | | Pays for damage (due to fire) to household contents at Your permanent place of residence in Singapore which was left vacant for the full duration of the Trip. | $5,000 | $5,000 | NA | | Section 35 | Rental Vehicle Excess | | | | | Pays for the cost of the insurance excess of a car rented by You whilst overseas if it is involved in an accident. | $750 | $500 | NA | | Section 36 | Pet Care | | | | | Pays $50 for each full 8 consecutive hours’ delay of returning flight to Singapore which results in placing Your cat or dog in a kennel/cattery or pet hotel for an extended time. | $500 | $250 | NA | | Section 37 | Loss of Use of Entertainment Ticket | | | | | Pays for unused portion of entertainment ticket in the event of Your serious injury/sickness; unexpected death or injury/sickness of Your relative or travel companion; unexpected civil unrest, commotion, riot or strike; natural disasters; and quarantine. | $300 | $200 | $100 | Section 38 | Cover in the event of Terrorism | | | | | Sections 1 through 37 of this Policy are applicable if they occur as the result of an Act of Terrorism whilst You are on a Trip. | YES | YES | YES |
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For details please refer to travel insurance terms, conditions and exclusions. |
Introduction to Travel Guard
Medical and Travel Benefits