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Travel Guard Policy Highlights / Coverage

Travel with a Peace of Mind, Travel with Travel Guard
Click here for Online Quotation / Application
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 Travel InsuranceAIG Assist had been rebranded as Chartis Travel Guard)

Medical and Travel BenefitsPersonal Accident Benefits
Travel Inconvenience BenefitsSupplementary Benefits

SUMMARY OF COVERAGE

MAXIMUM BENEFIT S$

MEDICAL AND TRAVEL BENEFITS
Premier
Superior
Classic
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
For details please refer to travel insurance terms, conditions and exclusions.

Travel with a Peace of Mind, Travel with Travel Guard
Click here for Online Quotation / Application
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 Travel InsuranceAIG Assist had been rebranded as Chartis Travel Guard)

PERSONAL ACCIDENT BENEFITS

Premier
Superior
Classic
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
For details please refer to travel insurance terms, conditions and exclusions.

Travel with a Peace of Mind, Travel with Travel Guard
Click here for Online Quotation / Application
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 Travel InsuranceAIG Assist had been rebranded as Chartis Travel Guard)

TRAVEL INCONVENIENCE BENEFITS
Premier
Superior
Classic
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
For details please refer to travel insurance terms, conditions and exclusions.

Travel with a Peace of Mind, Travel with Travel Guard
Click here for Online Quotation / Application
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 Travel InsuranceAIG Assist had been rebranded as Chartis Travel Guard)

SUPPLEMENTARY BENEFITS
Premier
Superior
Classic
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
For details please refer to travel insurance terms, conditions and exclusions.

 

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