| | Frequently Asked QuestionsAIG Assist™ Global Travel Insurance is underwritten by American Home Assurance Company, Singapore,
a member of American International Group, Inc. (AIG) AIG Assist™ Global Travel Insurance is underwritten by American Home Assurance Company, Singapore,
a member of American International Group, Inc. (AIG) A. Choice of Plan Q: What is special about the Premier Plan?
For a small investment, Premier Plan offers comprehensive benefits. You will receive unlimited protection for medical expenses whilst overseas, double indemnity of as much as $1,000,000 for accidental death due to Public Transport, unlimited evacuation benefits as well as many benefits as listed. B. Application Q: How soon can I activate AIG Assist™ ?
AIG Assist™ can be activated up to 30 days prior to departure from Singapore. Q: How can I activate AIG Assist™ if I am departing over the weekends / after office hours ?
Please complete and submit the AIG Assist™ Application Form Online by clicking here.
Please remember to furnish your credit card number and expiry date. We will process the application based on the information provided on the next working day. Q: Can an authorised representative apply for AIG Assist™ on my behalf after my departure from Singapore?
No! Please activate AIG Assist™ BEFORE you depart Singapore. Q: When is the coverage for the AIG Assist™ policy effective?
The "Trip Cancellation" benefit is effective 30 days before your departure or on your date of application, whichever is later.
"Accidental Death & Disablement" benefit will be effective 3 hours before you depart Singapore. The coverage of these 2 benefits end on whichever of the following events occurs first: a) the expiry of the period specified in the Policy
b) your return to your place of permanent residence or
c) within 3 hours upon your arrival in Singapore All other benefits will be provided only when you are abroad. Q: I'm holding a one-way ticket, can I purchase AIG Assist™?
YES! However, please take note that :
* you must leave Singapore directly to your country of residence
* you are covered only within airport transit area during stopovers/transfers Q: Can I buy more than one AIG Assist™ policy for the same trip ?
You can only be covered by ONE AIG Assist™ policy for the same trip. AIG Assist™ Global Travel Insurance is underwritten by American Home Assurance Company, Singapore,
a member of American International Group, Inc. (AIG) C. Medical Expenses Q: I suffer from medical and physical conditions. Can I claim for medical/hospital and other related expense if I need treatment while on my trip ?
No, the policy excludes pre-existing conditions i.e. any Sickness or Injury for which the Insured Person(s) contracted, diagnosed or treated within a 12 month period prior to the policy effective date. Q: Can I continue my medical treatment for injury sustained overseas, after my return to Singapore ?
Yes! You have a maximum of thirty (30) days to continue treatment in Singapore or up to a maximum sum of S$50,000 for Premier Plan or S$25,000 for Superior Plan or S$12,500 for Classic Plan, whichever occurs first. The Maximum amount payable for Insured Persons above 70 years of age is up to S$5,000 for Premier Plan or S$2,500 for Superior Plan or S$1,000 for Classic Plan. Q: If I was ill overseas but did not seek medical treatment, can I do so upon my return to Singapore ?
Yes ! You may seek treatment in Singapore within one week of return to Singapore. You have a maximum of thirty (30) days to continue treatment in Singapore or up to a maximum sum of S$50,000 for Premier Plan or S$30,000 for Superior Plan or S$12,500 for Classic Plan, whichever occurs first. The maximum amount payable for Insured Persons over 70 years of age is up to S$5,000 for Premier Plan or S$2,500 for Superior Plan or S$1,000 for Classic Plan. Q: Can I seek treatment from a herbalist, acupuncturist or bonesetter ?
Yes. Such medical expense is payable up to a maximum of $500 per Accident. Q: Are dental expenses covered ?
Accidental dental expenses are covered, i.e. dental treatment that is necessarily incurred to restore sound and natural teeth following an Accident. Q: I am pregnant, am I covered overseas for any pregnancy-related matters?
Yes, the Company will reimburse the Insured Person up to the maximum limit of the applicable Selected Plan the Medical Expenses, which are necessarily incurred whilst overseas for pregnancy related sickness. This does not apply to pregnancy related sickness / or treatment upon return to Singapore or Country of Residence and does not apply to one-way Trip cover. If the Insured Person is entitled to a refund of all or part of the expenses from any person or any other source, the Company will only pay the amount of Medical Expenses over and above the refunded amount up to the applicable limits. Exclusions
Pregnancy related sickness or treatment or losses suffered as a result of pregnancy related sickness does not include the following: - a. Any expenses incurred due to events occurring during the 1st trimester of pregnancy (i.e. 0-12 weeks)
- Childbirth, including premature childbirth
- Any disease or disorder of the foetus
- Abortion or miscarriage
- Serious complications of pregnancy including, cervical insufficiency, ectopic pregnancy, excessive or low amniotic fluid, intrauterine growth restriction (IUGR), Iron deficiency anaemia, eclampsia and eclampsia (toxaemia of pregnancy), gestational diabetes or hypertension, puerperal infection, placenta previa, abruptio placenta, acute nephritis or any complications caused by congenital heart defects
- Any depressive, psychological or psychiatric illness, including post-natal depression
- Pre-existing medical conditions
D. Trip Cancellation & Trip Curtailment Q: I have booked a trip and now cannot travel because my employer has cancelled my leave - am I covered for trip cancellation?
No, the policy provides coverage in the following events : Death, Serious Injury or Serious Sickness or compulsory quarantine of Insured, spouse, child, parent, parent-in-law, grandparent, grandparent-in-law, grandchild, brother, sister, brother-in-law, sister-in-law, travel companion. Unexpected outbreak of strike, riot, civil commotion at planned destination Serious damage to your residence from fire, flood or similar disaster within one week from departure Witness summons or jury service of Insured
Q: What are the circumstances that I will be covered for trip curtailment ?
AIG Assist™ will provide coverage if you need to disrupt your trip and return to Singapore due to any of these circumstances: Upon suffering from a serious Injury or a Serious Sickness. Hijacking of the aircraft in which you are on board as a passenger The unexpected death or Injury or Sickness of your spouse, child, parent, parent-in-law, grandparent, grandparent-in-law, grandchild, brother, sister, brother-in-law, sister-in-law, travel companion. Natural disaster (typhoon, earthquake, etc) which prevent you from continuing your Trip. Unexpected outbreak of strike, riot, civil commotion. - This coverage shall extend to include expenses defined above resulting from extension of Trip due to quarantine upon medical advice.
Q: I have booked a trip to the U.S.A. but cannot get an entry visa, am I covered?
No, prohibition and regulations of countries are excluded.
E. Hospital Visitation Q: What is covered under "Hospital Visitation" ?
If the Insured is hospitalised overseas for more than 5 days and his medical condition forbids evacuation, and no adult family member is with him, the insurance will pay the reasonable travel and hotel accommodation expenses incurred by one relative or friend of the Insured to stay with him until he returns to Singapore. AIG Assist™ Global Travel Insurance is underwritten by American Home Assurance Company, Singapore,
a member of American International Group, Inc. (AIG) F. Personal Money Q: The country where I was travelling suddenly devalued their currency and I am now $800 worse off - can I claim for the loss?
No, the Policy only covers you for loss of money due to theft, burglary or robbery. Q: What should I do if I lose money whilst abroad ?
You should report to the local police within 24 hours after the incident. G. Baggage Q: If my belongings are left outside on a bench while I am in a queue are they covered if stolen?
No, you did not take all reasonable care of the property and it was left unattended. Q: If I send a suitcase back to Singapore early, will it be covered?
No, unaccompanied baggage that is not checked in with the airline you are flying with is not covered. Q: The original article was stolen while on the trip and the replacing article was lost a few days later - is the second article also covered?
Yes, provided proof of purchase and proof or loss can be provided for both occurrences. Q: Is Baggage Delay at Singapore airport covered ?
No, You are covered only for baggage delays that occur overseas.
H. Home Guard Q: What does this benefit cover?
If you select the Premier or Superior Plan, you will receive this Bonus Cover which protects you against loss or damage to the household Contents caused by fire to your residence that was left vacant throughout the Trip. The maximum amount payable per household is $5,000. I. Others Q: Will "Double Indemnity" apply to death resulting from a motorcycle / bicycle accident?
No, Accidental Death & Disablement benefit will apply in these cases. Q: How do you define "Relative" under the Hospital Visitation and Child Guard benefits?
"Relative" refers to your spouse, child, parent, parent-in-law, grandparent, parent-in-law, great grandparent, great grandparent-in-law, grandchild, brother, sister, niece, nephew, auntie or uncle. Q: Are sports such as mountaineering and rock climbing covered under AIG Assist™?
All leisure amateur sports, including mountaineering, rock-climbing, winter and water sports covered at No extra premium.
Participation in any professional sports or in any sport whereby the Insured Person(s) would or could earn or receive remuneration, donation, sponsorship or award of any kind is excluded. Q: Are premiums refundable?
No refund of premiums will be allowed once the AIG Assist™ policy has been activated. Q: How do I submit a Claim?
Claim Guide For enquiries
Call (65) 1800-419-3000. AIG Assist™ Global Travel Insurance is underwritten by American Home Assurance Company, Singapore,
a member of American International Group, Inc. (AIG) |
Introduction to AIG Assist™
