corporate travel insurance singlife

Singlife with Aviva Travel Insurance Review: Covid-19 Cover, SAF MINDEF Promotion

The name “Aviva” rings a bell in the minds of all Singaporean men, since they provide you with life insurance when you’re doing National Service.

Your NS or reservist days might be behind you, but you still need to rely on Aviva if you decide to purchase their Singlife with Aviva travel insurance when you go on overseas holidays.

Despite the fact that Aviva already makes loads of money from MINDEF, Singlife with Aviva Travel Insurance is actually a well thought-out product that offers good value for money.

Let’s have a look at how the plan measures up.

• Singlife with Aviva Travel Insurance: Summary
• Singlife with Aviva Travel Insurance
• Singlife with Aviva Travel Insurance Covid Cover
• Singlife with Aviva Travel Insurance Extreme Sports
• Singlife with Aviva vs AIA Travel Insurance
• Singlife with Aviva Travel Insurance Promotion
• Singlife with Aviva Travel Insurance Claim Review
• Should I buy Singlife with Aviva Travel Insurance?

1. Singlife with Aviva Travel Insurance Summary

Singlife with Aviva travel insurance comes in three iterations:

• Travel Lite – Up to $250,000 of overseas medical expenses
• Travel Plus – Up to $2,000,000 of overseas medical expenses
• Travel Prestige – Unlimited overseas medical expenses

You can also buy single-trip insurance for trips of up to 182 days or annual multi-trip insurance for unlimited trips within a year of up to 90 days per trip.

2. Singlife with Aviva Travel Insurance: Coverage

As mentioned previously, Singlife with Aviva travel insurance comes in three tiers—Travel Lite, Travel Plus and Travel Prestige.

Here’s a summary of the plans’ key benefits and coverage.

At a glance, the medical and travel benefits are quite generous compared to what’s being offered by competitors like AXA and DBS , particularly because the higher tier gets you unlimited medical expense claims.

Our main gripe is that you have to purchase an add-on to get coverage for outdoor/adventure activities. But if the riskiest thing you plan to do is to binge on local cuisine, you should be fine.

3. Singlife with Aviva Travel Insurance Covid Coverage

The Singlife with Aviva Travel Insurance policy comes with Covid-19 cover, as well it should, because almost all insurers now offer it.

Here are the details:

As far as Covid-19 benefits go, these are pretty decent.

First of all, they’re automatically included and do not need to be added on like with some plans, notably FWD’s travel insurance . Second, the claim amounts are decent, although they are not as generous as those given by some premium plans like MSIG’s .

Total Premium

FWD Business

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Key Features

Enjoy cashless medical outpatient treatment in Singapore, access to emergency assistance and your travel policy documents through the FWD SG app!

Add on coverage for COVID-19 available for both Single & Annual Trips for travel period of 90 days or less.

Optional add on coverage available when your trip is cancelled for any reason for Single Trips. (To be purchased within 7 days of your initial trip deposit for your trip).

4. Singlife with Aviva Travel Insurance Extreme Sports

Bad news, adrenaline junkies. The basic plans exclude anything classified as a dangerous sport or leisure activity.

Here’s whether you’ll be covered for various outdoor activities:

Going to Turkey for a hot air balloon ride or to New Zealand for a scenic helicopter ride? You’re in the clear and will be covered.

However, if you want to ski, scuba dive or jet ski, you’ll have to purchase an optional add-on for winter or water sports.

5. Singlife with Aviva vs AIA Travel Insurance

Let’s compare the Singlife with Aviva Travel Insurance plan with AIA Around the World Plus (II), one of their key competitors.

Comparing the main benefits of Singlife with Aviva and AIA’s plans, it looks like Singlife with Aviva’s offers better value for money!

The cheapest plan from Singlife with Aviva is cheaper than AIA’s but offers similar basic benefits.

6. Singlife with Aviva Travel Insurance Promotion

All MINDEF, MHA and POGIS policyholders (as well as their family members) get 43% off Singlife with Aviva travel insurance.

What’s more, until 31 August 2022, you can shave 18% off the price of single trip travel insurance purchases with promo code TRAVEL18.

By the way, the MINDEF discount applies to immediate family members (parents, siblings, wives, kids) too. So, if your dad or brother or husband is a policyholder, you can get them to buy travel insurance for you…

If you want to find out more about Aviva’s voluntary insurance for NSmen , we’ve written about it here. It’s actually a very, very good deal.

7. Singlife with Aviva Travel Insurance Claim Review

The Singlife with Aviva plan was only launched this year, so there isn’t much information from pleased/peeved customers on the claims process.

But there have been some murmurings on the internet that the claims process takes a long while to complete.

Singlife with Aviva Travel Insurance Emergency Hotline: +65 6460 9391 (24 hour)

Singlife with Aviva Travel Insurance Online Claims : Submit  here

Singlife with Aviva Travel Insurance  Claims: If you need to mail the original supporting documents (write down your policy number) to Singlife with Aviva, this is the mailing address:

Singlife Travel Insurance Claims Singapore Life Ltd. 4 Shenton Way #01-01 SGX Centre 2 Singapore 068807

Singlife with Aviva Travel Insurance  Claims Due Date: Claims must be made within 7 days of the event or incident. Notice the rather short time frame – the industry standard is 30 days. This is not one for procrastinators!

Singlife with Aviva Travel Insurance  Claims Settlement Time: Singlife with Aviva will acknowledge your claim via email or phone call within 2 working days. If they need further clarification they will follow up within 7 working days. You can also call Singlife with Aviva’s customer service hotline at +65 6827 9933 to follow up.

8. Should I buy Singlife with Aviva Travel Insurance?

Overall, the Singlife with Aviva Travel Insurance Policy is a pretty solid one that offers good value for money.

Its main flaw is that it does not offer coverage for most extreme sports or outdoor activities, so you’ll have to purchase an add-on for that ski or dive trip.

So, if you’re a thrill-seeker, look elsewhere!

Still shopping for travel insurance ? Compare all the best travel insurance plans in Singapore here.

Related Articles

Travel Insurance Singapore Guide (2023): Must-Knows for Choosing the Best Travel Insurance

Airline Travel Insurance – What does SIA, Scoot, Jetstar travel insurance cover?

Best Travel Insurance Plans in Singapore [content outdated due to Covid]

Corporate Insurance

Insurance for small & medium enterprise, general insurance, corporate claims, about singlife.

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Singlife Travel Insurance Review

• Financially Reviewed by Edward Hee

• Published: 24 December, 2023
• Last Updated: 29 December, 2023

At Dollar Bureau, we’re committed to providing you with reliable, unbiased financial guidance. Our content is crafted by everyday Singaporeans who are trained in finance and insurance, ensuring relatable and practical guidance. We uphold strict editorial independence, regularly update our reviews, and value your feedback to keep our information accurate and relevant.

Discover more about our editorial guidelines here .

Table of Contents

Travelling somewhere can be exciting, depending on the reasons for your travelling, whether personal, business or holiday travel.

But sometimes events that are not planned can take place while you are travelling.

Singlife Travel Insurance is comprehensive and provides solutions for many scenarios of what can happen while travelling.

Keep reading for our review of the Singlife Travel Insurance.

Key Features Of Singlife Travel Insurance

Singlife offers some tremendous key features, and when considering your options, it is always important to stay informed and know what you are buying.

Below are some highlights of Singlife Travel Insurance.

Diverse Medical Coverage:  Singlife Travel Insurance offers a range of medical coverage, with its Prestige tier providing unlimited overseas medical expenses.

Competitive COVID-19 Provisions:  Across its tiers, Singlife offers substantial COVID-19-related benefits, including overseas medical expenses and emergency medical evacuation due to the virus.

Personal Accident Benefits:  Singlife provides significant personal accident benefits, ensuring travellers are covered in case of unforeseen incidents.

Baggage and Personal Belongings Protection:  Singlife offers competitive coverage for lost or damaged baggage and personal belongings, safeguarding travellers’ possessions.

Value for Money:  With its range of benefits and competitive premiums, Singlife Travel Insurance offers a balanced cost-to-benefit ratio, making it a valuable choice for various travellers.

Adventure Sports Inclusion:  Specifically covers adventurous water sports, extending various protections like accidental death, permanent disablement, and equipment loss or damage.

Equipment Hire Coverage:  Compensates for the hiring cost of replacement water sports equipment in case of accidental loss, damage, or significant delays.

These features represent a blend of standard and unique aspects of Singlife Travel Insurance, emphasising its coverage of typical travel incidents and specific adventurous activities.

Comparison Against Other Single-Trip Travel Insurance Policies

In this section, the insurers that we’re comparing Singlife Travel Insurance against its competitors:

• AIG Travel Guard Direct
• AIA Around the World Plus (II)
• Allianz Travel Bronze
• Klook TravelCare
• MSIG TravelEasy
• NTUC Income Travel Insurance
• Sompo Travel (COVID-19) Insurance
• Etiqa TIQ Travel Insurance (with COVID-19 cover)
• FWD Travel Insurance Plan.

The basis for this comparison will be the coverage for an individual travelling to ASEAN for a week and the lowest-tiered plan across all insurers.

There will also be an add-on for COVID-19 benefits.

In comparing Singlife Travel Insurance with other insurance policies in Singapore, focusing on single-trip policies for ASEAN travel, we observe the following:

• Premium Affordability: Singlife Travel Insurance Lite, priced at $49.36, is competitively priced. It’s more affordable than AIG Travel Guard Direct Basic and AIA Around the World Plus (II) Classic, but slightly higher than Allianz Travel Bronze and Etiqa TIQ Travel Insurance Entry.
• Overseas Medical Expenses Coverage: Singlife offers a high coverage amount of $250,000, which is on par with NTUC Income Travel Insurance Classic and MSIG TravelEasy Standard, and higher than AIG, AIA, Allianz, Sompo, FWD, and Etiqa.
• Accidental Death and TPD: Singlife’s coverage of $50,000 is moderate compared to others. It’s equal to Allianz Travel Bronze but lower than AIA, Sompo, FWD, NTUC Income, MSIG, and Etiqa, which offer higher coverage in this category.
• Overseas Travel Delay Compensation: Singlife’s $500 compensation is competitive, matching Allianz and MSIG, and surpassing AIG and Etiqa. However, it’s less than AIA, Sompo, FWD, and NTUC Income.
• Trip Cancellation Coverage: Singlife provides a $5,000 coverage, which is consistent with most other insurers except AIG, which offers a lower amount.
• Baggage Delay Compensation: Singlife’s $500 is higher than FWD and Etiqa but lower than Sompo and NTUC Income. AIG and Allianz do not offer this benefit.
• Baggage Loss/Damage: Singlife’s coverage of $3,000 is standard among most plans, except for Sompo and Etiqa, which offer lower amounts. Allianz Travel Bronze does not provide this coverage.
• Cost-to-Benefit Ratio: Singlife stands out with a high cost-to-benefit ratio of 6260.13, indicating a favorable balance between cost and coverage, especially in comparison to AIG, AIA, Allianz, and Etiqa.

Comparison Against Other Annual-Trip Travel Insurance Policies

Next up, let’s compare the insurers for annual trips. (We’ve removed Sompo Travel Insurance here because they do not offer travel insurance for annual trips.)

The basis for this comparison will be the coverage for a single individual travelling to ASEAN for an annual trip and the lowest-tiered plan across all insurers.

Here’s a comparison of Singlife Travel Insurance against other annual trip policies:

• Total Premium: Singlife Travel Insurance Lite is priced at $460.00, making it a mid-range option. It’s more affordable than AIG Travel Guard Direct Basic, Allianz Travel Bronze, and NTUC Income Travel Insurance Classic, but slightly more expensive than FWD Travel Insurance Premium and Etiqa TIQ Travel Insurance Entry.
• Overseas Medical Expenses: Singlife offers a high coverage amount of $250,000, matching MSIG TravelEasy Standard and NTUC Income Travel Insurance Classic, and surpassing AIG, AIA, Allianz, FWD, and Etiqa.
• Accidental Death & TPD: Singlife’s coverage of $50,000 is lower compared to most other plans, except Allianz Travel Bronze. AIA, FWD, MSIG, NTUC Income, and Etiqa offer higher coverage in this category.
• Overseas Travel Delay Compensation: Singlife provides $500, which is on par with Allianz and MSIG, and higher than FWD and Etiqa. However, it’s less than AIA and NTUC Income.
• Trip Cancellation Coverage: Singlife, along with AIA, Allianz, MSIG, and NTUC Income, offers a $5,000 coverage, which is higher than AIG and lower than FWD.
• Baggage Delay Compensation: Singlife’s $500 is competitive, matching Allianz and MSIG, and surpassing FWD and Etiqa. NTUC Income offers a higher compensation.
• Baggage Loss/Damage: Singlife’s coverage of $3,000 is standard among most plans, except for Etiqa, which offers a lower amount. Allianz Travel Bronze does not provide this coverage.
• Cost-to-Benefit Ratio: Singlife’s ratio of 769.57 indicates a good balance between cost and coverage, especially when compared to AIG and Allianz. However, it’s lower than FWD, MSIG, NTUC Income, and Etiqa.

Who Is Singlife Travel Insurance Prestige Best Suited For:

Frequent international business travellers.

Given the comprehensive features of Singlife Travel Insurance Prestige, it is particularly well-suited for frequent international business travellers.

Here’s why:

Comprehensive Medical Coverage:  Business travellers often have tight schedules and cannot afford prolonged medical disruptions.

The unlimited overseas medical expense coverage offered by Singlife ensures they receive the best medical care without worrying about costs, especially in countries with high medical expenses.

COVID-19 Considerations:  Business travellers must be especially cautious about COVID-19 in the current global context.

Singlife’s substantial coverage related to the virus, including overseas medical expenses and emergency medical evacuation, provides an added layer of security.

Personal Accident Benefit: Business trips involve various modes of transportation and activities, increasing the risk of accidents.

Singlife’s significant personal accident benefit ensures that travellers are well-covered in case of unforeseen incidents.

Efficiency in Trip Disruptions:  Business travellers can’t afford significant delays or cancellations.

While Singlife offers competitive coverage in these areas, its standout medical benefits ensure that health-related disruptions are addressed efficiently.

Adventure Enthusiasts And Solo Backpackers

Singlife Travel Insurance Prestige is an excellent fit for adventure enthusiasts and solo backpackers. Here’s the rationale:

Unparalleled Medical Coverage:  Adventure enthusiasts often venture into remote areas or engage in activities that carry inherent risks.

The unlimited overseas medical expenses coverage by Singlife ensures that should they encounter any health issues, they can access the best medical care without being burdened by costs.

Personal Accident Benefit:  Solo backpackers and adventure seekers are more exposed to unforeseen incidents, given the nature of their travels.

The substantial personal accident benefit of S$500,000 Singlife provides a safety net, ensuring they’re covered in unexpected accidents.

COVID-19 Coverage: In these times, even the most intrepid travellers need to be cautious about the pandemic.

Singlife’s comprehensive COVID-19 coverage, including medical expenses and emergency medical evacuation, offers peace of mind, allowing travellers to focus on their adventures.

Flexibility in Trip Disruptions:  Solo and adventure travel often involves changing plans on the fly.

While Singlife offers competitive coverage for travel delays or cancellations, its standout medical benefits ensure that health-related disruptions are managed promptly and efficiently.

My Review of Singlife Travel Insurance

While Singlife Travel Insurance Prestige offers a compelling package, it’s essential to remember that it’s not the only policy in the market.

Every traveller’s needs are unique, and what works for one might not be the best fit for another.

To ensure you’re making the most informed decision, take a moment to explore and compare various travel insurance options.

Dive into these comprehensive guides to get a clearer picture of what’s available:

• Best Annual Travel Insurance in Singapore
• Best Travel Insurance in Singapore

You can find the perfect travel insurance tailored to your needs and adventures by comparing different policies.

So, after extensive research and comparison with other travel Insurance policies in Singapore, Singlife stands out as one of the best policies for International Business Travellers and Adventure enthusiasts.

With Singlife, your premiums are manageable, so you get value for your money, and paying for the premium does not break your bank account.

It is a competitive product and could be worth it in dire situations.

On the contrary, other insurers like  Etiqa  and Allianz might be more suitable plans for people with specific needs, such as pre-existing conditions.

Let’s now explore the Singlife Travel Insurance in depth:

Criteria For Singlife Travel Insurance

These requirements are essential for taking out a Singlife Travel Insurance policy.

• Have a valid NRIC or FIN
• Be at least 16 years old at the time of purchase (only required if you’re the applicant)
• Be taking a round-trip journey that begins and ends in Singapore
• Not travelling against the advice of a qualified medical practitioner
• Not travelling to obtain medical treatment
• Have purchased the policy before departing from Singapore.

Benefits Summary Cover & Limits

These detailed table illustrations provide an overview of the coverage limits across the Lite, Plus, and Prestige plans for the different sections and features of the Singlife Travel Insurance policy.

For Singlife Travel Insurance, these are the general summary benefits as a quick guide.

Premiums Rates

Here are the prices for both single trip (7 days) & annual plans for ASEAN and Global coverage for a 25-year-old Singaporean.

Prices are before any discounts.

Benefits Explained for Singlife Travel Insurance

Section 1a: accidental death, permanent disablement & burns benefit, what is covered.

• If you suffer an accidental injury during your trip, Singlife Travel Insurance provides coverage. This includes accidental death, permanent disablement, and burns.
• The assessment of burns is based on the Rules of Nines system.
• The total compensation for an accident won’t exceed 100% of the policy limit under this section.
• For children and individuals above 70 years, the benefit is reduced to 20% of the maximum amount.
• In case of multiple claims (Sections 1a, 1b, or 1c) from the same event, the policy pays under one section only.
• The benefit is paid to you or your legal representative.

What is Not Covered

• Claims for illness, disease, nervous shock, naturally occurring conditions, or degenerative processes are not covered.
• Any exclusions mentioned in the General Exceptions of the policy.
• The policy does not cover any claim related to war if you were directly or indirectly involved in the acts, except for self-protection.
• Coverage ceases 60 days after the initial outbreak of war.
• Claims for accidental injury while on public transport are covered if the accident is the sole cause of death.

Section 1B: Accidental Death & Permanent Disability Due to War

• Singlife Travel Insurance provides coverage if you suffer death or permanent disablement due to war during your trip.

However, there are specific conditions for this coverage:

• You must prove that you were not involved in the war-related acts, directly or indirectly, except for actions taken to protect yourself and your property.
• The country where the incident occurs should not be in a state of war upon your arrival; it should not be your home country or the country you reside in.
• This coverage is only applicable if it’s less than 60 days after the initial outbreak of war.

The policy does not cover accidental death or permanent disability that occurs while you are on board public transport during your trip if the accident is not the sole cause of death or disability.

Section 1C: Double Indemnity for Death in Public Transport

• Singlife Travel Insurance offers double indemnity if you suffer accidental injury leading to death while on board public transport during your trip. This coverage applies if the accident is the sole cause of your death.

Special Conditions

The special conditions and exclusions under Section 1A – Accidental Death, Permanent Disablement, and Burns Benefit also apply to this section. 

These include the following:

• The total compensation for an accident does not exceed 100% of the policy limit under Section 1A.
• Reduced benefits for children insured under a family package and individuals above 70.
• The policy pays under only one of Sections 1A, 1B, or 1C for claims resulting from the same event.

The exclusions under Section 1A also apply here. 

• Claims related to illness, disease, nervous shock, naturally occurring conditions, or degenerative processes.
• Additionally, any exclusions mentioned in the General Exceptions of the policy are applicable.

Section 2: Family Assistance Benefit

• For those with the Prestige Plan, Singlife Travel Insurance offers a lump sum benefit if you suffer an accidental injury during your trip, which solely causes your death within 6 months of the incident.
• The benefit for this claim will be paid to your legal representative or as per the applicable law.
• The exclusions under Section 1A – Accidental Death, Permanent Disablement, and Burns Benefit also apply to this section. 

Exclusions:

Section 3: Child Education Benefit (only applies to Prestige Plan)

Under the Prestige Plan , Singlife Travel Insurance offers a unique benefit in the event of your death:

• A yearly payment of S$5,000 is made on the anniversary of your death for up to 5 years.
• This benefit is applicable as long as the child qualifies under the policy’s definition of a “Child.”
• For children above 18 years old, you must provide annual proof that the child is a full-time student in a recognised higher education institution and is unmarried.
• The payment is S$5,000 per year, regardless of the number of children.
• The exclusions under Section 1A – Accidental Death, Permanent Disablement, and Burns Benefit apply here. These include claims related to illness, disease, nervous shock, naturally occurring conditions, or degenerative processes.
• The benefit is not payable if the insured person is a child covered under the policy.

Section 4: Emergency Medical Cover

Overseas Medical Expenses:  If you suffer an accidental injury or illness during your trip and require medical treatment outside of Singapore, Singlife Travel Insurance covers:

• Any reasonable medical treatment costs by a doctor, including rescue services to the necessary hospital, are covered.
• As certified by a doctor, there are necessary and reasonable extra charges for standard room accommodation if you extend your stay beyond the intended return date.
• Additional travel expenses (air, sea, or land) to return home if your return ticket cannot be used are covered.

Emergency Medical Evacuation:  If you suffer a severe injury or serious illness overseas and it is medically necessary to move you to the nearest registered medical facility or return to Singapore for medical treatment, Singlife will cover:

• Necessary and reasonable transportation costs and en-route medical care and supplies, including the assignment of a doctor and/or nurse to accompany you.
• The cost of returning you home should you need to return to Singapore for recuperation or continued treatment, and your return ticket cannot be used.

Overseas Emergency Medical Expenses – Pregnancy Related:  Singlife will cover emergency medical treatment outside Singapore related to pregnancy or childbirth, provided the expected delivery date is more than 12 weeks (or 16 weeks in the case of multiple pregnancies) before your planned return date.

Medical Expenses in Singapore

• Follow-up Treatment:  Singlife Travel Insurance covers follow-up medical treatment within 31 days of your return to Singapore if the initial treatment occurred during your trip.
• Treatment for Untreated Injuries/Illnesses : If you didn’t seek treatment during your trip, Singlife covers medical treatment within 5 days of your return to Singapore, up to a maximum of 31 days from the initial treatment in Singapore.

Mobile-Aid Reimbursement

• Singlife reimburses the reasonable costs of medically necessary equipment and aids (like crutches, wheelchairs, and walkers) for your recovery and mobility, recommended by your doctor, following your medical treatment.

Chiropractor and/or Chinese Physician Treatment (Registered)

• Overseas Treatment : If you suffer an accidental injury or illness during your trip and receive outpatient medical treatment from a registered Chiropractor or Chinese Physician, Singlife covers the treatment.
• Follow-up Treatment:  This includes follow-up treatment within 31 days of returning to Singapore if the initial treatment occurred during your trip.
• Treatment for Untreated Injuries/Illnesses:  Coverage also includes treatment within 5 days of returning to Singapore for injuries/illnesses not treated during the trip, up to 31 days from the initial treatment in Singapore.
• Certification Requirement:  The Chiropractor or Chinese Physician must be officially certified and registered in the country of treatment and not related to you or anyone you are travelling with.

Emergency Telephone Charges

• Singlife will cover telephone charges incurred for contacting them or their appointed Medical Emergency Assistance provider for emergency medical assistance. This is applicable when a medical claim is submitted under Section 4a, 4b, 4c, 4d, or 4f. You must provide telephone bills for reimbursement.

Special Conditions for Emergency Medical Cover

• Mandatory Notification:  You must immediately call Singlife’s Medical Emergency Assistance helpline at +65 6460 9391 if you require hospitalisation or need to return to Singapore for medical reasons. Failure to do so may affect your claim.
• Medical Necessity for Movement:  If Singlife’s appointed Medical Emergency Assistance provider deems it medically necessary to move you to the nearest registered medical facility or return to Singapore for treatment, and you choose not to follow this advice, Singlife’s liability for your medical care ends immediately.
• Specialist & Physiotherapist Costs:  Singlife covers the necessary and reasonable costs of treatment by a specialist or physiotherapist, but only if such treatment is deemed necessary and has been referred by a general practice doctor. The specialist or physiotherapist must not be related to you or anyone you are travelling with.
• Determination of Transportation and Location:  The means of transportation and the location to which you will be transported will be determined by Singlife’s Medical Emergency Assistance provider, based on the medical necessity and severity of your condition.

Exclusions for Emergency Medical Cover

• Travel Against Medical Advice : Any claim related to a medical condition if you travelled against the advice of a doctor or would have been advised against travelling had you sought such advice.
• Pre-Planned Medical Treatment:  Claims arising from medical conditions for which you planned to receive treatment during your trip.
• Coverage by Other Sources:  Claims already covered by other insurance, government, or corporate schemes. Singlife will only cover the portion of medical expenses not recoverable from these sources.
• Specific Non-Covered Costs:
• Costs of in-patient hospital treatment or early return home that were not pre-approved by Singlife’s Medical Emergency Assistance provider.
• Costs of non-emergency treatment or surgery, including exploratory tests not directly related to the illness or injury necessitating hospitalisation.
• Any treatment that the treating doctor and Singlife’s Medical Emergency 
• Cosmetic surgery and cosmetic products.
• Medication is known to be needed from the start of the trip.
• Unprescribed medicines or supplements.
• Medical equipment or treatment not recommended by a doctor.
• Extra cost for single or private room requests.
• Treatment/services by health spas, convalescent homes, or rehabilitation centres.
• Costs after deciding not to move hospital or return to Singapore when it was safe to do so.
• Claims resulting from tropical diseases without recommended inoculations/medication.
• Sexually transmitted infections, HIV/AIDS, or related illnesses.
• Claims resulting from pregnancy or childbirth (except under specific sections).
• General Exceptions as mentioned in the policy.

Special Conditions:

You must call Our Medical Emergency Assistance helpline at +65 6460 9391 immediately if you need medical attention as a hospital In-Patient or need to return to Singapore.

The special conditions of the Singlife Travel Insurance policy regarding medical emergencies can be summarised as follows:

• Immediate Contact Required:  If you require hospitalisation or need to return to Singapore for medical reasons, you must immediately contact the Medical Emergency Assistance helpline. Failure to do so may affect your claim.
• Compliance with Medical Necessity:  If the appointed Medical Emergency Assistance provider deems it medically necessary for you to be moved to the nearest registered medical facility or to return to Singapore for treatment, and you choose not to follow this advice, Singlife’s liability for your claim will end immediately.
• Coverage for Specialist or Physiotherapist Costs:  Singlife will cover the necessary and reasonable costs of medical treatment by a specialist or physiotherapist. However, this is contingent on the required treatment and having been referred by a general practice doctor. Additionally, the specialist or physiotherapist must not be someone related to you or your travel companions.
• Determination of Transportation & Location:  The method of transportation and the destination for medical treatment will be determined by the Medical Emergency Assistance provider. This decision will be based on the medical necessity and the severity of your medical condition.

These conditions highlight the importance of following the guidelines set by Singlife’s Medical Emergency Assistance provider to ensure coverage and support in case of a medical emergency during your travels.

This summary provides an overview of the Emergency Medical Cover section of the Singlife Travel Insurance policy. 

The exclusions under Section 1A – Accidental Death, Permanent Disablement, and Burns Benefit apply here. Additionally, any exclusions mentioned in the General Exceptions of the policy are applicable.

For a detailed understanding of the coverage and exclusions, especially those related to general exceptions, it’s recommended to refer to the full policy document and the General Exceptions section.

Section 5: Accidental Dental Expenses

Accidental Dental Expenses While Overseas

• Suppose you accidentally injured your sound and natural teeth during your trip. In that case, Singlife will cover the necessary and reasonable costs for emergency pain relief dental treatment received overseas.

Accidental Dental Expenses in Singapore

• Singlife will also cover necessary and reasonable emergency pain relief dental treatment in Singapore.
• If you had initial dental treatment during your trip, Singlife covers follow-up accidental dental treatment to restore your sound and natural teeth within 31 days of your return to Singapore.
• Suppose you did not seek initial treatment during your trip. In that case, Singlife covers dental treatment to restore your sound and natural teeth within 5 days of your return, up to 31 days from the initial treatment in Singapore.
• Dental treatment resulting from tooth, gum, oral disease or regular teeth wearing.
• Dental expenses related to unnatural teeth, including but not limited to dental dentures, implants, crowns, and bridges.
• Any exclusions mentioned in the General Exceptions section of the policy.

This information is tailored to help you understand the specific coverage and exclusions under the Accidental Dental Expenses section of the Singlife Travel Insurance policy.

Section 6: Hospital Income

Overseas Hospital Income

If you are making a claim for medical expenses, which is claimable in this policy, you are being treated as an In-Patient in a hospital overseas.

We will pay the following amount for every full consecutive 24 hours of hospitalisation in a standard ward overseas.

We will pay the following amount for every full consecutive 24 hours of hospitalisation in an Intensive Care Unit (ICU) overseas.

Hospital Income in Singapore

If you are making a claim for medical expenses which is claimable in this policy and you are being treated as an in-patient in a hospital in Singapore.

We will pay the following amount for every full consecutive 24 hours of hospitalisation in Singapore.

Under the Hospital Income section of the Singlife Travel Insurance policy in Singapore, the following are not covered:

• Exclusions listed under Section 4 – Emergency Medical Cover.

Section 7: Quarantine Allowance Due to Infectious Diseases

This section applies only to the Plus & Prestige Plans.

Quarantine Allowance due to Infectious Diseases 

• Overseas Quarantine Allowance:

If you are placed under quarantine by the government or relevant health authority as a result of close contact with confirmed cases of infectious disease or if you are identified as a carrier of the infectious disease, Singlife will pay you a specified amount for every full consecutive 24 hours you are detained. 

The specific amounts and further details can be found in the policy document.

• Quarantine Allowance in Singapore:

Under Singlife Travel Insurance’s Plus and Prestige Plans, the policy provides coverage in the following scenario:

• If during your trip, or upon your return to Singapore, you are immediately placed under quarantine by the Ministry of Health due to close contact with confirmed cases of infectious disease, or if the Ministry of Health identifies you as a carrier of the infectious disease, Singlife will pay you a specified amount for every full consecutive 24 hours you are detained.

Exclusions for this section include

The exclusions under Section 4 – Emergency Medical Cover.

Please note that these details are based on the information available in the policy document, and it’s always advisable to consult the full policy or contact the insurer for the most accurate and up-to-date information.

What isn’t covered under Section 4 – Emergency Medical Cover. 

• Anything mentioned in the General Exceptions.

Section 8: Repatriation

Calling the Emergency Assistance helpline at +65 6460 9391 for assistance is essential to activate this section. Please do so to ensure the validity of the claims.

• Repatriation of Mortal Remains:  In the event of death overseas due to an accidental injury or illness incurred during the trip, the insurer will handle and cover the costs of returning the body or ashes to Singapore or the insured’s home country (if not Singaporean).
• Reimbursement of Coffin & Funeral Expenses:  If death occurs within 12 months as a result of an accidental injury or illness while overseas, the insurer will cover the costs of burial or cremation in the country of death, Singapore, or the insured’s home country (if not Singaporean).
• What needs to be covered under Section 4 – Emergency Medical Cover?
• Anything mentioned in the General Exceptions

Section 9: Hospital/Compassionate Visit Expenses

Hospital Visit Expenses

Eligibility

This applies if the insured, due to an accidental injury or illness overseas that is claimable under this policy, is hospitalised for more than 5 consecutive days during the trip.

Covered Expenses

• One travelling companion who remains with or escorts the insured until the end of the insurance period or until the insured can resume the trip or return to Singapore, whichever occurs first.
• One close relative or friend, in cases where no adult travelling companion is a close relative or friend, under similar conditions as above.

What is not covered

Compassionate Visit Expenses

• In the event of the insured’s death overseas due to an accidental injury or illness during the trip.

Covered Expenses  

• The insurer will cover the accommodation and travel expenses reasonably and necessarily incurred by one travelling companion, close relative, or friend. This is to assist in the final arrangements after the insured’s death and to bring the body or ashes back to Singapore or the insured’s home country (if not Singaporean).

Section 10: Child Minder

• This coverage is activated if the insured sustains death or becomes hospitalised overseas during the trip, and the situation is claimable under this policy.
• The insurer will cover additional accommodation and travel expenses for a close relative or friend of the insured. This specifically helps accompany a child (also covered under the policy) back home because no other adult is available to accompany the child.
• Any exclusions mentioned in the General Exceptions section of the policy apply to this section. Specific exclusions unique to this section are not provided in the given details. These general exceptions will be detailed later in the document.

The coverage is subject to the policy limits, which should be referenced in the full policy document for exact figures and conditions.

Section 11: Personal Liability

This section covers the insured for legal liabilities incurred due to accidents during the trip.

Specific Liabilities Covered

• Death or Injury to Any Person:  If the insured is legally responsible for causing death or injury to any person during the trip, the insurer will cover the damages, claimants’ costs, and expenses.
• Loss of or Damage to Property:  If the insured is legally responsible for causing loss or damage to any property during the trip, these costs are also covered.
• General Exceptions:  The provided content does not detail specific exclusions unique to this section. However, any exclusions mentioned in the General Exceptions section of the policy apply to this section. These general exceptions will be detailed later in the policy document.
• Policy Limits:  The coverage is subject to certain policy limits, which should be referred to in the full policy document for exact figures and conditions.
• Legal Obligations:  The coverage is limited to liabilities that the insured is legally obligated to pay.

In addition to the coverage provided in Section 11, it’s important to note the specific exclusions where the insurer will not provide coverage. 

These include:

• Fine or Exemplary Damages:  Costs related to punishing rather than compensatory fines or damages are not covered.
• Liability from Wilful, Malicious or Unlawful Acts:  Any liability resulting from the insured’s intentional, malicious, or illegal actions.
• Liability from Employment or Household Members:  Liabilities arising from death or injury to employees or members of the insured’s household.
• Transmission of Illness or Disease:  Any liability for transmitting any illness or disease.
• Loss or Damage to Personal Property:  Damage or loss of property that belongs to, or is under the control of, the insured, their household members, or employees.
• Contractual, Employer’s Liability, or Job-Related:  Contractual Liabilities related to the insured’s employer role or professional duties.
• Ownership or Occupation of Land or Buildings:  Liabilities related to owning or occupying land or buildings.
• Ownership or Use of Certain Items and Animals:  This includes liabilities from owning or using animals (other than domestic animals), firearms, motorised vehicles, vessels (other than manually-propelled watercraft), or any type of aircraft, including unpowered flight.
• General Exceptions:  Additional exclusions are mentioned in the policy’s General Exceptions section.

These exclusions are crucial in defining the coverage boundaries provided under Personal Liability. The insured should consult the policy document to understand these exclusions and other terms and conditions.

This summary emphasises the exclusions of Section 11 of the Singlife Travel Insurance policy. Understanding these limitations is essential for policyholders to comprehend the extent of their coverage.

Section 12a: Trip Cancellation

This section covers the insured for trip cancellation expenses within the stipulated policy limits.

• Covered Costs:  Includes travel (air, sea, or land) and accommodation expenses, as well as entertainment costs charged by licensed providers such as transport providers, accommodation providers, tour operators, or travel agents. These are costs that the insured has paid or is legally obligated to pay and cannot recover.
• Insured Event numbers 1 to 8:  Arising within 30 days before the insured departing on their trip.
• Insured Event number 9 : Arising any time before the insured departs on their trip.
• General Exceptions:  Specific exclusions unique to this section. However, any exclusions mentioned in the General Exceptions section of the policy apply to this section. These general exceptions will be detailed later in the policy document.
• Definition of Insured Events:  The specific Events numbered 1 to 9 are defined elsewhere in the policy document and should be reviewed to understand what scenarios are covered under this section.

Recommendation

It is essential to consult the complete policy document to understand the full scope of the coverage, including the details of the Insured Events and the policy limits. 

This summary provides an overview based on the provided details, but the policy document will offer comprehensive information.

This summary focuses on the key aspects of Section 12A regarding Trip Cancellation in the Singlife Travel Insurance policy. 

• Policy Purchase Timing:  The policy must be purchased more than 3 days before the trip’s departure date.
• Notification Obligation:  If needing to cancel, postpone, or abandon the travel arrangement, the insured must notify the relevant service providers (like airlines, hotels, and tour operators) as soon as reasonably possible.
• Adjustment for Refunds:  Any claim made under the policy will be reduced by the amount of any refund obtained from service providers, regardless of the form of the refund (cash, credit, points, or vouchers). 

When filing a claim, the insured must provide proof of compensation or denial from the service providers.

• Disinclination to Travel:  Claims made simply because the insured does not feel like travelling is not covered.
• Pre-Planned Medical Treatment:  Claims arising from a medical condition that the insured planned to get treatment for during the trip are excluded.
• Timeshare-Related Costs:  Claims for management, maintenance, or exchange fees associated with timeshares and similar arrangements are not covered.
• Refunds for Unnamed Persons:  Claims for refunds of costs for persons not named in the policy are not covered.
• Failure to Notify:  Claims resulting from the insured’s or an adult insured person’s failure to notify the airline, transport provider, licensed tour operator, or licensed travel agent immediately when it becomes necessary to cancel, postpone, or abandon the travel arrangements.
• Overlapping Claims:  If a claim under Sections 12a (Trip Cancellation), 12b (Trip Cancellation For Any Reason), 13a (Trip Postponement), 13b (Change of Travelling Date or Time For Any Reason), and 14 (Replacement Traveller) arises from the same event, the policy will only pay under one of these sections. 

This includes claims related to COVID-19 under the Free Extension (h) – COVID-19 Cover.

General Exceptions:  Any exclusions mentioned in the General Exceptions section of the policy also apply.

These exclusions define the coverage boundaries provided under the respective sections of the Singlife Travel Insurance policy, emphasising the circumstances under which claims will not be considered.

Section 12b: Trip Cancellation For Any Reason

In addition to the coverage provided in Section 12A (Trip Cancellation), it’s important to note specific exclusions where the insurer will not provide coverage. 

These exclusions apply to related sections as well, including Trip Cancellation for Any Reason (12b), Trip Postponement (13a), Change of Travelling Date or Time for Any Reason (13b), and Replacement Traveller (14).

• Disinclination to Travel:  No coverage is provided for claims made because the insured feels they need to do something other than travel.
• Pre-Planned Medical Treatment:  Claims resulting from a medical condition for which the insured was planning to receive medical treatment during the trip are excluded.
• Timeshare-Related Costs:  Claims for management, maintenance, or exchange fees associated with timeshares and similar arrangements are not covered.
• Refund for Uninsured Persons:  No coverage for a refund of costs for persons not named in the policy.
• Failure to Notify:  Claims arising from the insured’s or an adult insured person’s failure to promptly notify the airline, transport provider, licensed tour operator, or travel agent of the need to cancel, postpone, or abandon travel arrangements.
• Overlapping Claims:  Where a claim made under Sections 12a, 12b, 13a, 13b, or 14 arises from the same event, the policy will only pay under one of these sections. 

This includes Trip Cancellation/Postponement Due to COVID-19 under the Free Extension (h) – COVID-19 Cover.

General Exceptions

Additional exclusions are mentioned in the policy’s General Exceptions section.

These exclusions define the limitations of the coverage provided under the respective sections of the Singlife Travel Insurance policy. 

The insured should thoroughly consult the complete policy document to understand these exclusions and other terms and conditions.

Policyholders must understand these limitations to comprehend the extent of their coverage under the Trip Cancellation and related sections of their travel insurance policy.

The Singlife Travel Insurance plan in Singapore has certain exclusions under its trip cancellation benefit. These include:

• Cancellations due to a change of mind or no longer wanting to travel.
• Non-serious illnesses or injuries (e.g. headache).
• Trip cancellations arising from work obligations.
• Failure to notify your airline, transportation provider, tour operator, or licensed travel agent of the cancellation.

Common general exclusions include

• Pre-existing medical conditions.
• Mental disorders.
• Loss or injury due to alcohol/drugs.
• Pregnancy-related events, unless the mother is at risk.
• Travelling when medically unfit.
• Participation in professional or compensated sports.
• Items taken by customs officials.
• Travelling against the advice of regulatory authorities.
• Travelling to a country at war.
• Claims paid for by other insurers.

Please note that this information provides a general overview and may not cover all specific policy details. 

Section 13a: Trip Postponement

• Scope : This section covers the insured’s costs for postponing their trip within the stipulated policy limits.
• Covered Costs:  Includes reasonable administrative fees, additional travel expenses (air, sea, or land), accommodation, and entertainment costs charged by licensed providers (transport providers, accommodation providers, tour operators, or travel agents) that the insured must pay.
• Eligibility for Claims:  Coverage is applicable if the insured unavoidably needs to postpone the trip due to the following:

General Exceptions:  

The provided content does not detail specific exclusions unique to this section.

However, any exclusions mentioned in the General Exceptions section of the policy apply to this section. 

These general exceptions will be detailed later in the policy document.

• Definition of Insured Events:  The specific Events numbered 1 to 9 are presumably defined elsewhere in the policy document and should be reviewed by yourself to thoroughly understand what scenarios are covered under this section.

Consult the complete policy document for a comprehensive understanding of the coverage, including the details of the Insured Events and the policy limits. 

This summary highlights the key aspects of the coverage for Trip Postponement in the Singlife Travel Insurance policy. Always refer to the full policy document for detailed and complete information.

• Specific Exclusions for Sections 12a, 12b, 13a, 13b, and 14
• Exclusions under Trip Cancellation (Section 12a):  The exclusions specified in the Trip Cancellation section also apply to Trip Postponement.
• Upgraded Travel or Accommodation:  Additional costs resulting from choosing better options or upgrading to a higher class or category of transport or accommodation than initially planned are not covered.
• Costs Beyond Original Itinerary:  Extra travel, accommodation, and entertainment costs not included in the original itinerary are not covered.
• Overlapping Claims:  If a claim under Sections 12a, 12b, 13a, 13b, or 14 arises from the same event, the policy will only pay under one of these sections. This includes claims related to COVID-19 under the Free Extension (h) – COVID-19 Cover.
• General Exceptions:  Any exclusions mentioned in the General Exceptions section of the policy apply.

These exclusions are crucial for defining the limitations of the coverage provided under the respective sections of the Singlife Travel Insurance policy. 

Policyholders must understand these limitations to comprehend the extent of their coverage under the Trip Postponement and related sections of their travel insurance policy.

Section 13b: Change of Travelling Date or Time For Any Reason

Section 14: replacement traveller (for business travel only).

This section applies only to the Plus and Prestige Plans of the policy. 

Here are the key details:

Coverage : 

This section covers reasonable administrative fees, additional travel (air, sea, or land), accommodation costs, and Entertainment Costs charged by licensed providers such as transport providers, accommodation providers, tour operators, or travel agents. 

These costs are covered when they are incurred to replace one traveller to take over a business trip. 

This coverage is applicable if, after purchasing the policy or booking a trip (whichever is later), the insured unavoidably has to cancel their trip due to any of Insured Event numbers 1 to 4 arising within 30 days before departing on the trip.

Exclusions : 

The policy does not cover extra costs from selecting better options or upgrading to a better class or category of transport or accommodation than the original itinerary. 

It also excludes extra travel, accommodation, and entertainment costs as part of the original itinerary. 

Claims for personal trips, more than one replacement traveller per insured person, and claims under Section 12a – Trip Cancellation, Section 12b – Trip Cancellation For Any Reason, Section 13a – Trip Postponement, Section 13b – Change of Travelling Date or Time For Any Reason, and Section 14 – Replacement Traveller arising from the same event will only be paid under one of these sections. 

This includes Trip Cancellation/Postponement due to COVID-19 under the summary of cover, Free Extensions (h) – COVID-19 Cover. Additionally, anything mentioned in the General Exceptions is not covered.

Special Conditions: 

The policy advises referring to the ‘Special conditions’ under Section 12a – Trip Cancellation for more details.

The insurer will pay for reasonable economy-class transport (air, sea or land travel) and reasonable accommodation expenses of a standard room for your replacement traveller.

Policy Limits:  The maximum amount payable per insured per trip under this section is S$5,000 for the Plus plan and S$15,000 for the Prestige plan.

The exclusions under Section 14 – Replacement Traveller (For Business Travel Only) in the Singlife Travel Insurance Policy are as follows:

Upgrading Costs:  The policy does not cover any extra costs that result from selecting better options or upgrading to a higher class or category of transport or accommodation than what was included in the original itinerary.

Non-Included Costs : Any extra travel (air, sea, or land) and accommodation costs, as well as Entertainment Costs that are not part of the original itinerary, are not covered.

Personal Trips:  Claims related to personal trips are excluded from this coverage.

Limit on Replacement Travellers:  The policy does not cover claims for more than one replacement traveller per insured person.

Overlap with Other Sections:  If a claim is made under Section 12a – Trip Cancellation, Section 12b – Trip Cancellation For Any Reason, Section 13a – Trip Postponement, Section 13b – Change of Travelling Date or Time For Any Reason, and Section 14 – Replacement Traveller, and these claims arise from the same event, the policy will only pay for the claim under one of these sections. 

This includes Trip Cancellation/Postponement due to COVID-19 under the summary of cover, Free Extensions (h) – COVID-19 Cover.

• General Exceptions:  Any exclusions mentioned in the General Exceptions of the policy also apply to this section.

These exclusions are essential when understanding the scope and limitations of the Replacement Traveller coverage under the Singlife Travel Insurance Policy.

Section 15: Trip Interruption

This section applies to Plus and Prestige Plans. 

• Unused travel (air, sea, or land), accommodation costs, and Entertainment Costs charged by the licensed provider (such as transport provider, accommodation provider, tour operator, or travel agent) that the insured has paid or is legally obligated to pay for the trip and cannot get back.
• Any additional administrative expenses incurred when it is possible to amend the original travel expenses (air, land, or sea) and accommodation.
• Any additional travel economy-class transport expenses (air, land, or sea) that the insured must pay if it is impossible to amend the original travel expenses.
• This coverage is applicable if, after the commencement of the trip, the insured unavoidably has to:
• Cut short the trip and return to Singapore, or
• Change any part of the trip’s original itinerary due to any of the Insured Events.
• Extra costs result from selecting better options or upgrading to a better class or category of transport or accommodation than the original itinerary.
• Extra travel and accommodation costs and Entertainment Costs are not included in the original itinerary.

Where a claim under Section 15 – Trip Interruption and Section 16 – Travel Delay arises from the same event, Singlife will only pay for the claim under one of these sections. This includes Trip interruption due to COVID-19 under the summary of cover, Free Extensions (h) – COVID-19 Cover.

Anything mentioned in the General Exceptions (which will be covered later on). Special Conditions: The policy advises referring to the ‘Special conditions’ under Section 12a – Trip Cancellation for more details.

• Medical Condition Against Doctor’s Advice:  Any claim for a medical condition if any insured person has travelled against the advice of a Doctor or would be travelling against the advice of a Doctor if they had sought such advice.
• Lack of Authorisation by Emergency Assistance Provider:  Any claim not authorised by Singlife’s Emergency Assistance provider before the insured returns home.
• Tropical Diseases Without Recommended Precautions:  Any claim resulting from a tropical disease where the insured has not had the recommended inoculations and/or taken the recommended medication.
• No Return Ticket to Singapore:  Any claim for additional travelling expenses if the insured failed to book a return ticket to Singapore before departing.
• Abandonment of Trip Due to Cancellation by Service Providers:  Any claim for trip abandonment due to cancellation by the airline, accommodation, or tour operator, except in cases of the airline’s insolvency, licensed tour operator, or travel agent.
• Costs Outside of Travel Assistant or Emergency Medical Assistance:  Any claim for costs not part of Travel Assistant or Emergency Medical Assistance instructions.
• Upgrading Costs:  The policy does not cover extra costs that result from selecting better options or upgrading to a higher class or category of transport or accommodation than what was included in the original itinerary.
• Non-Included Costs:  Any extra travel (air, sea, or land) and accommodation costs, as well as Entertainment Costs that are not part of the original itinerary, are not covered.
• Overlap with Travel Delay:  If a claim under Section 15 – Trip Interruption and Section 16 – Travel Delay arises from the same event, Singlife will only pay for the claim under one of these sections. This includes Trip interruption due to COVID-19 under the summary of cover, Free Extensions (h) – COVID-19 Cover.

These exclusions are crucial for understanding the limitations of the Trip Interruption coverage under the Singlife Travel Insurance Policy.

Section 16: Travel Delay

Coverage : Singlife will pay S$100 for every full consecutive 6-hour period the insured is delayed from the scheduled time of arrival if

• The scheduled Public Transport the insured is booked to travel on is delayed from the scheduled time of departure or
• The insured is denied boarding of the Public Transport for which a confirmed reservation has been received from the travel agent or operators of the scheduled Public Transport due to overbooking or
• The scheduled Public Transport the insured is booked to travel on is diverted, preventing the continuation of the scheduled trip and causing a delay in arriving at the planned destination.

There must be no other travel arrangement made available to the insured by the travel agent or operators of the scheduled Public Transport within 6 hours of the scheduled departure, and the insured must not cause the delay.

The insured must do everything possible to reach the departure point for the time specified on their ticket/itinerary.

The length of the delay is calculated from the date and time the scheduled Public Transport should have arrived until the actual arrival time. 

Written confirmation from the carrier or their handling agents of the exact date and time of arrival and the reason for the delay is required.

• Any claim caused by an event (including Catastrophe, strike, riot, or civil commotion) that existed, was planned or occurred before the insured bought the policy or booked the trip, whichever is later.
• According to the original itinerary, the insured should have checked in for the Public Transport.
• Any claim for management, maintenance, or exchange fees associated with timeshares and similar arrangements.
• Any claim if the insured fails to follow the carrier’s revised departure schedule.
• Where a claim under Section 15 – Trip Interruption and Section 16 – Travel Delay arises from the same event, Singlife will pay the claim under only one of the sections. 

This includes Trip interruption due to COVID-19 under the summary of cover, Free Extensions (h) – COVID-19 Cover. Where a claim under Section 16 – Travel Delay and Section 23 – Hijack, Hostage, and Mugging arises from the same event, Singlife will pay the claim under only one of the sections.

Anything not mentioned in the General Exceptions.

Section 17: Rainfall Protection

• Singlife will pay a certain amount per insured person if the accumulated rainfall level in the city of the trip destination is more than 6.4 mm for each full 24-hour period and more than 50% of the trip duration is affected due to this rainfall level.
• Under the Family Package policy, Singlife will only pay up to 2 insured adults. 

The specific amounts are:

• The Period of Insurance of the Single Trip policy must be at least 3 or more days.
• To claim under this section, full details of the trip, including the country and city, must be submitted. Only one city per day can be declared in the claim submission.
• No claims are applicable if the trip falls under an Annual Multi-trip policy.
• No claims for a child under the Family Package policy.

Exclusions:  

Anything mentioned in the General Exceptions (which will be covered later on).

• Any claim if your trip falls under an Annual Multi-trip policy. 
• Any claim for a Child under the Family Package policy. 

Section 18: Delayed Baggage

Delayed Baggage in the Singlife Travel Insurance Policy, the following exclusions apply:

• To claim under this section, the insured must obtain written confirmation from the carrier on the number of hours they were without their baggage and the reason for the baggage delay.
• Compensation will only be provided for the delay of one piece of checked-in baggage tagged under the insured’s name per incident.
• The policy will only pay for either (a) up to S$200 for every full consecutive 6-hour period the baggage is delayed overseas or (b) S$150 after 6 hours of delay upon the insured’s return to Singapore, but not for both for the same event.
• Any payment made under this section will be deducted from the amount payable under Section 19 – Loss or Damage of Baggage & Personal Belongings if the baggage is later proved to be permanently lost.
• Baggage claims delayed or detained by customs or other officials are not covered.
• These exclusions ensure that the policy covers only specific scenarios of delayed baggage and sets clear boundaries on the claims process and compensation.

Delayed Baggage of the Singlife Travel Insurance Policy, the following are not covered:

• Baggage Delayed or Detained by Customs or Other Officials:  Any baggage claim delayed or detained by customs or other officials is not covered.
• General Exceptions:  Any exclusions mentioned in the policy’s General Exceptions also apply to this section.

Additionally, there are some  special conditions  related to claims under this section:

• To claim, you must obtain written confirmation from the carrier on the number of hours you were without your baggage and the reason for the baggage delay.
• The policy will only pay for the delay of at most one piece of your checked-in baggage tagged under your name per incident.
• The policy will only pay for the baggage delay overseas or upon your return to Singapore, but not for both for the same event.

Section 19: Loss or Damage of Baggage & Personal Belongings

This section covers the insured for loss, theft, or accidental damage of valuables and personal money during the trip, subject to the policy limits. 

The coverage is available under the Plus and Prestige Plans of the policy.

• Suppose personal belongings or baggage are lost or damaged by an authority, transport company, airline, or hotel. In that case, the insured must report the loss or damage to them in writing, obtain written confirmation, and get a loss or damage report.
• The insured should submit a claim to the responsible authority or service provider first and provide proof of compensation or denial received from them to Singlife.
• All travel tickets and tags must be kept if a claim is made under this policy.
• The insured must be able to prove ownership and the value of the lost, stolen, or damaged items. Please show proof to ensure the claim is valid.
• Singlife will settle claims by payment or replacement based on the value of the items at the time of loss. They will not pay more than the original purchase price of any lost or damaged item.
• If a claim has also been made under Section 18 – Delayed Baggage, and the baggage is 
• later proved permanently lost, the amount will be deducted from the claim under this section.
• Loss or theft of personal belongings or baggage left unattended.
• Damage to fragile items like glass, china, musical instruments, contact lenses, medical and dental fittings.
• Wear and tear, inherent defects, loss of value, and damage caused by moths, vermin, or any cleaning, repairing, or restoring process.
• Loss of fruits, perishables, consumables, animals, motorised vehicles and their accessories, remote-controlled devices, drones, sports equipment, and personal mobility devices damaged while used.
• Loss, theft, or accidental damage to items used in connection with the insured’s job, which they do not own.

Please note that this summary is based on the information provided in the Singlife Travel Insurance Policy document and is intended for informational purposes only.

Section 20: Loss of Valuables or Personal Money

Singlife will cover loss, theft, or accidental damage of valuables and personal money during the trip within the stipulated policy limits. 

• For the  Prestige Plan , the coverage is up to S $3,000  per insured person (but no more than S$500 for cash or bank notes)
• For the  Plus Plan , it’s up to  S$750  per insured person (but no more than  S$300  for cash or bank notes). 
• The Lite Plan is  not covered  under this section.

General Exceptions:  Any exclusions mentioned in the policy’s General Exceptions also apply. 

These will be covered later on.

Loss of Valuables or Personal Money of the Singlife Travel Insurance Policy, the following exclusions apply specifically to this section:

• Loss or Theft of Unattended Personal Money or Valuables : Singlife does not cover the loss or theft of personal money or valuables you left unattended.
• Cracking, Scratching, or Breaking of Fragile Items:  The policy does not cover cracking, scratching, or breaking of glass (except lenses in cameras, binoculars, telescopes, or spectacles), china, or any fragile articles.
• Scratching, Denting, Chipping, or Defacing:  Any such damage is not covered.
• Wear and Tear, Inherent Defects:  Loss of value and damage caused by moths and vermin, or any process of cleaning, repairing, or restoring are not covered.
• Delayed, Detained, or Confiscated by Customs or Other Officials:  Any personal money or valuables that are delayed, detained, or confiscated by customs or other officials are not covered.
• Any items not listed under Personal Money or Valuables such as bonds, securities, credit cards, identity cards, driving licenses, passports or travel documents. 
• Any business goods, samples/prototypes, equipment of any kind or any products/ components meant for trade.
• Deliberate or malicious damage to, or loss of, your Personal Money or Valuables caused by you or someone you know. 
• Any amount for loss or damage that you can claim against the airline, transport company, hotel or carrier.
• Any amount for loss or damage resulting from your willful act, omission, negligence, recklessness or carelessness. 
• Any loss or damage to items not belonging to You.
• Any loss of items resulting from mysterious disappearance.
• Shortages due to a mistake or loss due to a change in exchange rates. 

Section 21: Loss of Passport or Travel Documents

Under Section 21 of the Singlife Travel Insurance Policy, which covers the loss of passport or travel documents, the insurer provides coverage within the stipulated policy limits if your passport and other travel documents are lost or stolen while abroad. 

This includes covering the  administrative fees  required to get a  replacement passport  or other  travel documents  for your trip, any additional economy-class transport expenses (air, land, or sea), and reasonable  accommodation expenses of a standard room  incurred solely to replace your passport or other travel documents.

• Loss or theft of passport and other travel documents you left unattended.
• Singlife Travel Insurance does not cover passports and other travel documents that are delayed, detained, or confiscated by customs or other officials.
• Deliberate or malicious damage to, or loss of, your passport and other travel documents caused by you or someone you know.
• This travel insurance does not cover any amount for loss, theft, or damage against the airline, transport company, hotel, or carrier.
• Any transport or other incidental costs incurred while obtaining the replacement passport or travel document in Singapore.
• Any amount for loss, theft, or damage resulting from your willful act, omission, negligence, recklessness, or carelessness.
• Anything mentioned in the General Exceptions of the policy.

These exclusions are important when assessing your coverage under this policy section.

This section applies exclusively to the Prestige Plan.

• The loss must be reported to the credit card issuer within 24 hours of the robbery, burglary, or theft.
• Any claim must be accompanied by a report issued by the credit card issuer evidencing the amount of loss and confirming your liability for the loss.
• Singlife will only pay for such unauthorised charges, for which you are made liable, under the terms and conditions of your credit card(s).
• These exclusions and conditions are crucial for understanding the coverage limitations under this Singlife Travel Insurance Policy section.

Additionally, special conditions are to be met for a claim under this section.

Section 22: Unauthorised Use Of Credit Card

This section is specifically applicable to the Prestige Plan. 

Here’s a summary of what is covered and what is not covered under this section:

What is Covered:

Financial Loss Due to Fraudulent Use: 

The policy covers financial loss resulting directly from the fraudulent use of your credit cards. This coverage is applicable if the loss of the credit card(s) occurs due to robbery, burglary, or theft during your trip.

Conditions for Coverage:

• The loss must be reported to the credit card issuer within 24 hours of the incident.
• Any claim must be supported by a report from the credit card issuer, showing the amount of loss and confirming your liability.
• The policy covers unauthorised charges for which you are liable under the terms and conditions of your credit cards.

What is Not Covered:

• Loss or Theft of Unattended Credit Card: If the credit card was left unattended at the time of loss or theft, it is not covered.
• Losses Due to Willful Acts or Negligence: Any loss, theft, or damage resulting from your willful act, omission, negligence, recklessness, or carelessness is not covered.
• Non-Registered Credit Cards: Financial loss from credit cards not registered under your name is not covered.
• Cash Advances: Any cash advances made with your stolen credit card(s) are not covered.
• General Exceptions: Any scenarios mentioned in the General Exceptions of the policy are not covered.

This section provides protection against the unauthorized use of credit cards during travel, under specific conditions and exclusions, ensuring a level of financial safety for travelers under the Prestige Plan.

Section 23: Hijack, Hostage, & Mugging

Under Section 23 of the Singlife Travel Insurance Policy, which covers Hijack, Hostage, and Mugging, the insurer provides coverage within the stipulated policy limits. 

The policy pays S$250 for each full 24-hour period if:

• You cannot reach your destination or cannot return to Singapore as a result of the transport on which you are travelling being hijacked or you being taken as a hostage.
• You are in the hospital receiving in-patient treatment required following a mugging.

Specific Exclusions:

Additionally, there are special conditions for a claim under this section:

• You must report the mugging to the local police within 24 hours and obtain a written police report.
• In cases where a claim under Section 16 (Travel Delay) and Section 23 (Hijack, Hostage, and Mugging) arises from the same event, Singlife will pay the claim under only one of the sections.
• These exclusions and conditions are crucial for understanding the coverage limitations under this Singlife Travel Insurance Policy section. 

Section 24: Rental Vehicle Excess

Under Section 24 of the Singlife Travel Insurance Policy, which covers Rental Vehicle Excess, the insurer provides coverage within the stipulated policy limits for excess or deductible amounts that you become legally liable to pay regarding loss or damage to a rented vehicle during your trip. 

This coverage is contingent on the loss or damage the rented vehicle’s insurance policy covers.

• Singlife doesn’t cover any loss or damage arising from operating the rented vehicle beyond the limits of any public roads.
• Any loss or damage while the rented vehicle is not in your custody and control.
• Any loss or damage if you were not licensed to drive the rented vehicle or were participating in or practising for speed or time trials.
• Any loss or damage arising from wear and tear, gradual deterioration, damage from insects or vermin, inherent vice, latent defect, or damage.
• Any claim for loss or damage to the rented vehicle occurring outside the vehicle rental period or the Period of Insurance.

Additionally, there are special conditions to be met for a claim under this section:

• You must be either a named driver or a designated driver of the rented vehicle, and the vehicle must be rented from a licensed vehicle rental business.
• As part of the hiring arrangement, you must take up all comprehensive motor insurance against loss or damage to the rented vehicle during the rental period.
• You must comply with all requirements of the licensed car rental company under the hiring agreement and of the insurer under such insurance, as well as all applicable laws, rules, and regulations of the country where the rented vehicle is hired and/or driven.
• Any loss or damage arising from operating the rented vehicle violates any term of the rental agreement or any applicable laws, rules, and regulations of the country where the rented car is hired or driven.

Section 25: Rental Vehicle Return

Rental Vehicle Return of the Singlife Travel Insurance Policy applies exclusively to the Prestige Plan.

The policy covers the reasonable costs for returning a rented vehicle to the nearest hire depot if the policyholder cannot do so due to being treated as an in-patient in a hospital overseas for an accidental injury or illness covered under Section 4.

Policyholders are advised to refer to the special conditions listed under Section 24 – Rental Vehicle Excess. 

These conditions include requirements such as being a named driver, ensuring the vehicle is rented from a licensed business and adhering to the terms of the rental agreement and comprehensive motor insurance.

The exclusions listed under Section 24 – Rental Vehicle Excess also apply to Section 25. 

These include

• Loss or damage arising from operating the Rented Vehicle violates any rental agreement term or any applicable laws, rules, and regulations of the country where the Rented Vehicle is hired or driven.
• Loss or damage while the Rented Vehicle is not in the policyholder’s custody and control.
• Loss or damage if the policyholder was not licensed to drive the Rented Vehicle or was taking part in or practising for speed or time trials of any kind.
• Loss or damage arising from wear and tear, gradual deterioration, damage from insects or vermin, inherent vice, latent defect, or damage.

Section 26: Home Contents

Prestige Plan Travel Home Contents in the Singlife Travel Insurance Policy apply to the  Prestige Plan .

• The policy covers loss or damage to home contents caused by fire or theft accompanied by actual, forcible, and violent entry to the insured’s home in Singapore, provided the home was left vacant during the trip. 
• The policy defines “Home Contents” as all household items and utensils, furniture and furnishing, domestic appliances, audio and visual equipment, personal computers, personal belongings (including valuables) and clothing owned by the insured or their immediate family members permanently residing in the home, or for which the insured is legally responsible.

This section’s special conditions and exclusions include

• A payment limit of up to S$1,000 for any article set or pair of articles.
• The total claim for valuables or personal belongings shall be at most 15% of the limit shown in the policy schedule.
• The insured must report the loss to the police within 24 hours of discovering the theft and obtain a written police report.
• The insurer may settle any claim by payment, replacement, or repair of any damaged article, subject to the allowance for wear and tear and depreciation.
• Exclusions include any part of the structure or renovation of the home, including ceiling, wallpaper, and the like, or any damage to shared or common areas of the house.
• This excludes certain items like deeds, bonds, cash, currency notes, perishable goods, livestock, motorised vehicles, bicycles, boats, aircraft, and any attached accessories.
• Items used for business or work purposes are not covered.
• Any conditions mentioned in the General Exceptions section of the policy are also excluded.

Section 27: Domestic Pet Care

This section only applies to the Prestige Plan.

Within the stipulated policy limit, we will pay the following amount per 24 hours of extended stay of your Domestic Pet in a pet boarding house (per household).

The section you’re inquiring about, Section 27 – Domestic Pet Care, from the Singlife Travel Insurance policy for the Prestige Plan, offers specific coverage related to domestic pets. 

Under this section, Singlife provides coverage for the extended stay of your domestic pet in a pet boarding house within the specified policy limits. This coverage is applicable per household.

Key points to note:

Coverage Limits:  The policy will detail the amount covered per 24 hours of extended stay.

Applicability:  This coverage is exclusive to the Prestige Plan and is per household.

Policyholders must review the policy document for exact coverage amounts and any specific conditions or exclusions in this section.

Exclusions:  For detailed exclusions specific to this section, refer to the ‘What is not covered’ part under Section 27. 

General exclusions applicable to the entire policy will be addressed separately.

COVID-19 Cover

Singlife extends coverage for claims related to COVID-19, provided the insured is not travelling against any travel advisory issued by the Singapore government. The coverage is subject to the following terms and conditions:

Emergency Medical Cover and Repatriation due to COVID-19

If the insured is diagnosed with COVID-19 by an approved test provider or doctor during the trip, Singlife will cover:

Overseas Medical Expenses:  Necessary and reasonable costs of medical treatment by a doctor, including rescue services to transport the insured to a hospital.

Emergency Medical Evacuation:  If deemed medically necessary by Singlife’s Appointed Medical Emergency Assistance provider, the insurer will cover the cost of transportation and en-route medical care to the nearest medical facility or back to Singapore. This Singlife includes the assignment of a doctor and/or nurse to accompany the insured.

Repatriation due to COVID-19:  In the event of the insured’s death overseas due to COVID-19, Singlife will arrange and cover the cost of returning the body or ashes to Singapore or the insured’s home country (if not a Singaporean). This also includes reimbursement for coffin and funeral expenses if the death occurs within 12 months due to COVID-19 while overseas.

Overseas Quarantine Allowance Due to COVID-19:

This benefit is available only for Plus and Prestige Plan holders. 

Suppose the insured is unexpectedly diagnosed with COVID-19 and placed under Quarantine during the trip. In that case, Singlife will pay the following amount for every full consecutive 24 hours of detention:

• Prestige Plan:  S$100 (up to a maximum of 20 days)
• Plus Plan:  S$50 (up to a maximum of 20 days)
• Lite Plan : Not covered

Singlife clarifies that for this section, the policy will only pay the quarantine allowance or any reasonable extra charges incurred due to the insured’s extended stay, but not both for the same event.

Special Conditions under COVID-19 Care

Please refer to the ‘Special conditions’ section under Section 4 – Emergency.

Medical Cover:

You must comply with all the travel requirements imposed by the Singapore government authority and the country of your destination relating to COVID-19, including but not limited to COVID-19 diagnostic tests, vaccination, quarantine or isolation required for your trip.

What is Not covered under COVID-19 Cover

• ‘What is not covered’ under Section 4 – Emergency Medical Cover.
• Any claim if you fail to obtain any mandatory COVID-19 diagnostic test required

by the Singapore government authority.

• Any claim if your COVID-19 diagnostic test result is positive before your trip
• (Not applicable for h(iii) – Trip Cancellation/Postponement Due to COVID-19).
• Any claim for mandatory COVID-19 diagnostic tests or vaccines or
• Quarantine expenses required for your trip.
• Any medical treatment for COVID-19 is sought within Singapore.

Trip Cancellation/Postponement Due to COVID-19

• Travel & Accommodation Costs : If the insured has to unavoidably cancel or postpone their trip within 30 days before departure due to a COVID-19 diagnosis of themselves, their Travelling Companion, or Close Relative. This includes costs for travel (air, sea, or land), accommodation, and Entertainment Costs charged by licensed providers (transport providers, accommodation providers, tour operators, or travel agents) that the insured has paid or is legally obligated to pay and cannot recover.
• Administrative Fees and Additional Travel Expenses : Reasonable administrative fees and/or additional travel expenses for travel and accommodation costs and Entertainment Costs charged by licensed providers, which the insured has to pay due to cancellation or postponement.
• Singlife specifies that this policy will cover claims under this section for either Trip Cancellation or Trip Postponement, but not both.

Trip Interruption Due to COVID-19

Singlife provides coverage within the policy limits for:

• Unused Travel & Accommodation Costs:  If the insured has to cut short their trip and return to Singapore or change any part of the trip’s original itinerary due to a COVID-19 diagnosis of themselves, their Travelling Companion, or Close Relative during the journey. This includes unused travel (air, sea, or land), accommodation, and Entertainment costs charged by licensed providers that the insured cannot recover.
• Additional Administrative Expenses & Travel Costs : Any additional administrative expenses incurred in modifying the original travel and accommodation expenses. Other expenses include economy-class transport and reasonable extra charges for accommodation if the insured has to stay beyond the intended return date. For clarity, Singlife states that the policy will pay either for the reasonable extra charges for accommodation under this section or the Overseas Quarantine Allowance, but not both for the same event.

Special Conditions under Trip Cancellation/Postponement/Interruption

• Reference to Trip Cancellation Section:  Policyholders are advised to consult the ‘Special conditions’ specified under Section 12a – Trip Cancellation of the Singlife Travel Insurance policy for detailed conditions and requirements.
• Compliance with Travel Requirements:  Policyholders must adhere to all travel-related requirements set by the Singapore government and the destination country’s authorities concerning COVID-19. This includes but is not limited to, adhering to guidelines regarding COVID-19 diagnostic tests, vaccinations, and any mandatory quarantine or isolation protocols necessary for the trip.

Exclusions for COVID-19 Coverage (Exclusions in Trip Cancellation and Trip Interruption Sections

The exclusions listed under Section 12a – Trip Cancellation and Section 15 – Trip Interruption of the Singlife Travel Insurance policy also apply to sections (h) iii & iv. Policyholders should refer to these sections to understand what needs to be covered regarding trip cancellation and interruption due to COVID-19.

• Exclusions in Earlier COVID-19 Coverage Sections:  The exclusions specified under sections (h) i & ii of the Free Extensions related to COVID-19 coverage apply to sections (h) iii & iv. Any exclusion listed under the initial COVID-19 coverage sections will also be relevant for these subsequent sections.

Below is a summary table outlining the Free Extensions that are included in the Singlife Travel Insurance policy.

This table presents the coverage details for the Lite, Plus, and Prestige plans under Singapore’s Singlife Travel Insurance policy. 

Each feature’s coverage limits and availability vary depending on the plan chosen.

Optional Add-Ons for Singlife Travel Insurance Policy

Section 28: optional cover: overseas wedding & photoshoot, what is covered.

• Loss of Ceremonial Attire & Wedding Accessories:
• Singlife Travel Insurance covers accidental loss, theft, or accidental damage during the trip.
• The coverage limit is up to S$2,000 for any article or set of articles.
• Loss of Marriage Certificate:
• Singlife Travel Insurance covers the administrative fee for replacing a lost or damaged marriage certificate during the trip.
• Financial Failure of Licensed Wedding Service Providers:
• Singlife Travel Insurance covers unused deposits or wedding costs due to the insolvency of pre-booked licensed wedding service providers.
• Loss of Wedding Photo Album:
• Singlife Travel Insurance covers replacement and delivery costs for a lost or damaged wedding photo album during delivery to Singapore.
• Coverage is valid until delivery of the album or up to 60 days after arrival in Singapore, whichever is earlier.
• Personal Liability of Invited Guests:
• Covers damages, claimants’ costs, and expenses related to an accident caused by invited guests at the wedding venue that results in death, injury, or property damage.
• Loss of Ceremonial Attire and Wedding Accessories:
• The first S$100 of any replacement or repair costs.
• If a claim is made under multiple sections for a single event.
• Exclusions specified under Section 21 – Loss of Passport or Travel Documents.
• Claims without a written contractual agreement with the service providers.
• Expenses that the service providers have refunded.
• Coverage does not extend beyond 60 days after arrival in Singapore or after the delivery of the album.
• Incidents involving representatives of wedding service providers or persons at the venue for work purposes.
• Incidents in areas not reserved for the wedding
• Any claim for service provided not defined under Wedding Service Providers.
• Any amount for loss that you can claim from another source.
• Any claim arising from circumstances known to you or in the public domain at the time of issue of this insurance or before you enter into the contract.
• Any claim for more than one incident per Period of Insurance.

Section 29: Optional Cover: Golf Holiday

Loss of Golfing Equipment:

• Accidental loss, theft, or damage to golfing equipment during the trip, including actual play or practice at recognised golf courses or ranges.
• Coverage up to S$1,000 for each article or set of articles.

Hire of Golfing Equipment:

• Up to S$100 daily for hiring replacement golfing equipment due to accidental loss, damage, or delay over 12 hours.

Hole-In-One:

• Reimbursement for the cost of food and beverages at a golf clubhouse to celebrate a Hole-In-One at a recognised golf course or range.

Damage of Buggy:

• Repair costs for accidental damage to a rented buggy during play or practice at recognised courses or ranges.

Unused Green Fees:

• Non-refundable pre-booked green fees if unable to play golf at any recognised course or range due to accidental injury or illness.

What is Not Covered & Special Conditions

• The first S$100 of any replacement or repair cost.
• Subject to special conditions and exclusions under Section 19 – Loss or Damage of Baggage & Personal Belongings.
• Requires written confirmation from the carrier on the duration of the equipment delay.
• Claims must be supported by a Hole-In-One certificate from the golf club and original receipts for celebration expenses.
• Compliance with the rental agreement is required.
• The insured must be at least 16 years of age.
• Claims must be supported by a doctor’s memo confirming the inability to play golf due to injury or illness.

Section 30: Optional Cover Winter Sports

Accidental Death and Permanent Disablement

• Coverage under Section 1a if an accidental injury during winter sports activities leads to death or such disablement.

Emergency Medical Cover (Aggregate)

• Extended coverage under Section 4 for accidental injuries requiring immediate medical treatment during winter sports activities.

Personal Liability Extension

• Coverage under Section 11 for damages, claimants’ costs, and expenses for accidents during winter sports that cause death, injury, or property damage.

Loss of Winter Sports Equipment

• Coverage for accidental loss, theft, or damage to winter sports equipment during the trip, including engagement in winter sports activities, up to S$1000 per article or set.

Hire of Winter Sports Equipment

• Up to S$100 a day for hiring replacement winter sports equipment due to accidental loss, damage, or a delay of more than 12 hours.

Loss of Deposit due to Ski Track/Piste Closure

• Reimbursement if prevented from participating in winter sports activities due to accidental injury, illness, or closure of ski track/piste at the pre-booked resort due to bad weather conditions.

Ski Pass and Ski Lift Pass

• Payment for the inability to use the ski pass and/or ski lift pass due to accidental injury, illness, accidental loss, or theft of the pass.

Delay due to Avalanche

• Payment for a delay of at least 6 hours in arrival at or departure from the booked resort due to an avalanche.
• Subject to special conditions and exclusions under Section 1a – Accidental Death, Permanent Disablement & Burns Benefit.
• Subject to special conditions and exclusions under Section 4 – Emergency Medical Cover.
• Exclusions under Section 11 – Personal Liability.
• First, S$250 for any replacement or repair of winter sports equipment.
• Subject to wear and tear allowances and exclusions under Section 19 – Loss or Damage of Baggage & Personal Belongings.
• Requires written confirmation from the carrier of the number of hours you were without your winter sports equipment.
• Requires a doctor’s memo confirming the inability to participate in winter sports activities due to injury or illness.
• Requires written confirmation from the resort management confirming the number of days and reason for ski track/piste closure.
• Loss, theft, and malicious acts require a police report or a report from the relevant authority within 24 hours of the loss.
• Requires written confirmation from the resort management confirming the delay due to an avalanche.

Section 31: Optional Cover: Adventurous Water Sports

Suppose you participate in adventurous water sports activities not listed in Table 31. In that case, you will not be covered for claims arising directly or indirectly from participating in the activity. 

Suppose you do not hold a diving qualification. In that case, the insurer will only cover you to dive to a maximum depth of 30 metres when accompanied by and under the direct supervision of a qualified diving instructor as part of an accredited course.

Extension of cover under Section 1a if an accidental injury occurs during adventurous water sports, leading to death or disablement.

• Extension of cover under Section 4 for immediate medical treatment due to accidental injury during adventurous water sports.
• Extension of cover under Section 11 for legal liabilities (death, injury, property damage) due to an accident during adventurous water sports.

Loss of Water Sports Equipment

• Cover for accidental loss, theft, or damage to water sports equipment during the trip, including during adventurous water sports activities.

Hire of Water Sports Equipment

• Up to S$100 a day for hiring replacement water sports equipment due to accidental loss or damage or if the equipment is delayed for more than 12 hours.
• Subject to ‘Special Conditions’ and exclusions under Section 1a.

Em ergency Medical Cover (Aggregate)

• Subject to ‘Special Conditions’ and exclusions under Section 4.
• Exclusions under Section 11.
• The first is S$25
• This coverage is subject to the conditions and exclusions related to the loss of water sports equipment as outlined in Section 31(d).

General Exclusions

These exceptions apply to all sections of this policy unless otherwise specified. The insurer does not provide coverage for:

• War and Related Events
• Actions Linked to War or Terrorism
• Radioactivity
• Sonic Bangs
• Pollution or Contamination
• Wilful Acts or Negligence
• Unattended Property
• Pre-existing Medical Conditions 
• Manual Work
• Sanction Limitation & Exclusion

There is not benefit if you are travelling through the following countries:

• Afghanistan
• Democratic Republic of Congo
• Sudan, or 

Free Extensions Under Singlife Travel Insurance

Here are a summed up points of the Free Extensions available under the Singlife Travel Insurance policy:

Loss of Frequent Flyer Points

Singlife will compensate the retail price of an airline ticket, Entertainment Cost, or booked accommodation purchased using Frequent Flyer Points in full if cancelled due to events covered under the policy. This Singlife Travel Insurance is applicable provided the loss of such points cannot be recovered from any other source.

Disappearance

In the event of the disappearance of the scheduled ship, aircraft, or train during the trip, leading to the inability to find the insured’s body within one year from the date of the accident, Singlife will consider the insured as legally dead. Compensation for Accidental death will be provided per the policy’s Schedule of compensation under Section 1a, with the condition that any beneficiary signs an undertaking to refund the amount if the insured is found alive.

Drowning or Suffocation by Smoke, Poisonous Fumes, or Gas

Singlife offers coverage under Section 1a for Accidental death, Permanent Total Disablement, or Accidental injury caused by drowning or suffocation by smoke, poisonous fumes, or gas, excluding events arising from the insured’s wilful or intentional act.

Motorcycling

The policy includes coverage for motorcycling, provided the insured wears a crash helmet, the driver holds a valid motorcycle license, and the insured is not engaged in motorcycling as a professional or in activities like speed or time trials, sprints, or racing of any kind. Note that personal liability cover for motorcycling is not included.

Pregnancy or Childbirth-related Conditions

Singlife will provide benefits under Section 12a, Section 14, or Section 15a if the insured is unfit to travel or continue with the trip due to pregnancy or childbirth-related conditions. These conditions must not be related to any Pre-Existing Medical Condition, and the expected delivery date should be no less than 12 weeks (or 16 weeks for a multiple pregnancy) before the planned return date.

Automatic Extension of Cover

The policy will automatically extend without additional premium if the insured cannot return home before the end of the Period of Insurance due to a delay in public transport (where the insured is not the cause of the delay) or due to accidental injury, illness, or quarantine. Singlife will continue to cover medical treatment under Section 4 – Emergency Medical Cover during this extended period if deemed medically necessary.

Full Terrorism Cover (Aggregate)

Singlife provides coverage up to the aggregate amount detailed in the policy for claims arising directly or indirectly from Terrorism. 

Terrorism is defined comprehensively, including the use or threat of force and/or violence, harm or damage to life or property by various means for political, religious, ideological, or similar purposes.

How to Claim Singlife Travel Insurance

You should follow these steps to  file a claim with Singlife Travel Insurance .

Register Your Account

• Register through the Singlife web portal ClaimConnect or download the Singlife app for iPhone or Android. 
• ClaimConnect allows you to find the nearest panel clinic, file claims, and check claim status.
• Click on “Claims / Make a claim” to begin submitting. 
• You must provide documents like medical bills, reports, or referral letters. Retain original documents for swift processing.
• Claims must be submitted within 30 days of the incident or as soon as possible.
• Providing and submitting documents like medical bills, reports, or referral letters are required to facilitate the claims process and avoid delays is important.
• Claim Review: Singlife will process claims within 10 to 14 working days of receiving all required documents. They will contact you for further clarification if needed.

Mail Original Documents

• You should indicate your policy number on the original documents for claims requiring reimbursements for upfront expenses (like medical receipts, purchase receipts, etc.).
• These documents should be mailed to Singlife Travel Insurance Claims, Singapore Life Ltd., 4 Shenton Way, #01-01 SGX Centre 2, Singapore 068807.

Acknowledgement and Further Communication

• Singlife will send an acknowledgement email within 3 working days after your claims submission.
• They will contact you within 30 working days if further information is needed.
• Once your claim is approved, the payout will be made via PayNow within 3 business days. Ensure your PayNow account is registered under your NRIC to receive the payment. If not, a physical cheque will be mailed within 14 business days.
• For more details or to view and submit claims online, visit the Merimen e-Claims portal.

Please note that it’s essential to have all required documents and complete relevant forms found in the form library on the Singlife website for successful claim processing.

Disclaimer: Each article written obtained its information from reliable sources and should be purely used for informational purposes only. The information provided by Dollar Bureau and its affiliated parties is not meant to be construed as financial advice. Dollar Bureau shall not be held liable for any inaccuracies, mistakes, omissions, and losses incurred should you act upon any information listed on this website. We recommend readers to seek financial planning advice from qualified financial advisors. 

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Corporate Travel Insurance

What you can get.

High Trip Cancellation Expenses coverage of $10,000

High coverage for medical expenses in Singapore for up to $50,000

Free leisure travel extension for named employees

Covers up to 180 days for each business trip

Comes with COVID-19 coverage

24-hour emergency travel hotline

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You can simply purchase this product via any of our  partnering Travel Agents .

This policy is underwritten by Etiqa Insurance Pte. Ltd. 

This content is for reference only and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract. 

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 us or visit the GIA or SDIC web-sites ( www.gia.org.sg  or  www.sdic.org.sg ).

Information is accurate as at 27 September 2022.

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Corporate Assist

No new application wef 1 March 2022

In today’s global environment, it is comforting to know that whatever your employees’ travel plans are, they can travel with peace of mind with our comprehensive Group Travel Insurance.

Who is it for?

Corporate Assist lets your employees travel the world with peace of mind and the assurance that they have comprehensive protection.

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Please call 6419 3000 to learn more about Corporate Assist.

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Homegrown financial services company Singlife has partnered with Doctor Anywhere, a local tech-driven healthcare firm, to launch a new health subscription plan aimed at self-employed individuals, including gig workers.

The plan, named DA Healthwise Plus , is designed to provide affordable healthcare options and accident coverage which has been notably absent for many freelancers and contract workers such as ride-hailing and food delivery drivers.

Singlife’s research indicates that a staggering 53% of gig workers lack any form of insurance to protect against accidents and potential income loss.

DA Healthwise Plus is designed to offer services similar to the ones corporate employees have access to in a bid to enhance the financial and health security of this vital workforce segment.

Members of DA Healthwise Plus benefit from affordable access to general practitioners, with consultations available for S$13 at over 300 partner clinics across Singapore or online through the Doctor Anywhere app.

The plan also includes group personal accident coverage, offering financial protection for unforeseen injuries, with benefits like daily hospital income of up to S$80 for up to 30 days.

Additionally, members can access specialist video consultations starting at S$70 for a 45-minute session across various disciplines, including cardiology, orthopaedics, paediatrics, obstetrics and gynaecology, mental health therapy, and nutrition & fitness counselling.

The introduction of DA Healthwise Plus is expected to benefit approximately 310,000 self-employed individuals in Singapore.

Varun Mittal

Varun Mittal, Head of Innovation & Ecosystem, Singlife said,

“We are thrilled to partner with Doctor Anywhere. This collaboration is a cornerstone of our Wellness XP offerings designed specifically for Singapore’s gig workers.   By integrating insurance with outpatient plans, we aim to make essential healthcare services and financial protection readily accessible to this community.”

Kenneth Low

Kenneth Low, Vice President Commercial & Operations, Doctor Anywhere said,

“We’re filling a crucial gap for gig workers and self-employed individuals—providing them with the peace of mind they’ve been lacking regarding their health and financial security.   Together, we aim to empower them with the support necessary to thrive in their work.”

Featured image: (Left to right): Sharon Liew, Senior Manager, Marketing Partnerships & Community Engagement, Doctor Anywhere; Kenneth Low, Vice President Commercial & Operations, Doctor Anywhere; Eddy Susanto, Executive Director, Partnerships, Employee Benefits, Singlife; Varun Mittal, Head of Innovation & Ecosystem, Singlife

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This is our KM Travel Tour Operators page, we have listed the full address of KM Travel as well as phone numbers and websites. KM Travel is in Chesterfield, KM Travel may offer holiday tours, sightseeing tours, and general city tours in Chesterfield.

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Trains Moscow to Elektrostal: Times, Prices and Tickets

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Moscow to Elektrostal by train

The journey from Moscow to Elektrostal by train is 32.44 mi and takes 2 hr 7 min. There are 71 connections per day, with the first departure at 12:15 AM and the last at 11:46 PM. It is possible to travel from Moscow to Elektrostal by train for as little as or as much as . The best price for this journey is .

Get from Moscow to Elektrostal with Virail

Virail's search tool will provide you with the options you need when you want to go from Moscow to Elektrostal. All you need to do is enter the dates of your planned journey, and let us take care of everything else. Our engine does the hard work, searching through thousands of routes offered by our trusted travel partners to show you options for traveling by train, bus, plane, or carpool. You can filter the results to suit your needs. There are a number of filtering options, including price, one-way or round trip, departure or arrival time, duration of journey, or number of connections. Soon you'll find the best choice for your journey. When you're ready, Virail will transfer you to the provider's website to complete the booking. No matter where you're going, get there with Virail.

How can I find the cheapest train tickets to get from Moscow to Elektrostal?

Prices will vary when you travel from Moscow to Elektrostal. On average, though, you'll pay about for a train ticket. You can find train tickets for prices as low as , but it may require some flexibility with your travel plans. If you're looking for a low price, you may need to prepare to spend more time in transit. You can also often find cheaper train tickets at particular times of day, or on certain days of the week. Of course, ticket prices often change during the year, too; expect to pay more in peak season. For the lowest prices, it's usually best to make your reservation in advance. Be careful, though, as many providers do not offer refunds or exchanges on their cheapest train tickets. Unfortunately, no price was found for your trip from Moscow to Elektrostal. Selecting a new departure or arrival city, without dramatically changing your itinerary could help you find price results. Prices will vary when you travel from Moscow to Elektrostal. On average, though, you'll pay about for a train ticket. If you're looking for a low price, you may need to prepare to spend more time in transit. You can also often find cheaper train tickets at particular times of day, or on certain days of the week. Of course, ticket prices often change during the year, too; expect to pay more in peak season. For the lowest prices, it's usually best to make your reservation in advance. Be careful, though, as many providers do not offer refunds or exchanges on their cheapest train tickets.

How long does it take to get from Moscow to Elektrostal by train?

The journey between Moscow and Elektrostal by train is approximately 32.44 mi. It will take you more or less 2 hr 7 min to complete this journey. This average figure does not take into account any delays that might arise on your route in exceptional circumstances. If you are planning to make a connection or operating on a tight schedule, give yourself plenty of time. The distance between Moscow and Elektrostal is around 32.44 mi. Depending on the exact route and provider you travel with, your journey time can vary. On average, this journey will take approximately 2 hr 7 min. However, the fastest routes between Moscow and Elektrostal take 1 hr 3 min. If a fast journey is a priority for you when traveling, look out for express services that may get you there faster. Some flexibility may be necessary when booking. Often, these services only leave at particular times of day - or even on certain days of the week. You may also find a faster journey by taking an indirect route and connecting in another station along the way.

How many journeys from Moscow to Elektrostal are there every day?

On average, there are 71 daily departures from Moscow to Elektrostal. However, there may be more or less on different days. Providers' timetables can change on certain days of the week or public holidays, and many also vary at particular times of year. Some providers change their schedules during the summer season, for example. At very busy times, there may be up to departures each day. The providers that travel along this route include , and each operates according to their own specific schedules. As a traveler, you may prefer a direct journey, or you may not mind making changes and connections. If you have heavy suitcases, a direct journey could be best; otherwise, you might be able to save money and enjoy more flexibility by making a change along the way. Every day, there are an average of 18 departures from Moscow which travel directly to Elektrostal. There are 53 journeys with one change or more. Unfortunately, no connection was found for your trip from Moscow to Elektrostal. Selecting a new departure or arrival city, without dramatically changing your itinerary could help you find connections.

Book in advance and save

If you're looking for the best deal for your trip from Moscow to Elektrostal, booking train tickets in advance is a great way to save money, but keep in mind that advance tickets are usually not available until 3 months before your travel date.

Stay flexible with your travel time and explore off-peak journeys

Planning your trips around off-peak travel times not only means that you'll be able to avoid the crowds, but can also end up saving you money. Being flexible with your schedule and considering alternative routes or times will significantly impact the amount of money you spend on getting from Moscow to Elektrostal.

Always check special offers

Checking on the latest deals can help save a lot of money, making it worth taking the time to browse and compare prices. So make sure you get the best deal on your ticket and take advantage of special fares for children, youth and seniors as well as discounts for groups.

Unlock the potential of slower trains or connecting trains

If you're planning a trip with some flexible time, why not opt for the scenic route? Taking slower trains or connecting trains that make more stops may save you money on your ticket – definitely worth considering if it fits in your schedule.

Best time to book cheap train tickets from Moscow to Elektrostal

The cheapest Moscow - Elektrostal train tickets can be found for as low as $35.01 if you’re lucky, or $54.00 on average. The most expensive ticket can cost as much as $77.49.

Find the best day to travel to Elektrostal by train

When travelling to Elektrostal by train, if you want to avoid crowds you can check how frequently our customers are travelling in the next 30-days using the graph below. On average, the peak hours to travel are between 6:30am and 9am in the morning, or between 4pm and 7pm in the evening. Please keep this in mind when travelling to your point of departure as you may need some extra time to arrive, particularly in big cities!

Moscow to Elektrostal CO2 Emissions by Train

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• Electrostal History and Art Museum

You can spend time exploring the galleries in Electrostal History and Art Museum in Elektrostal. Take in the museums while you're in the area.

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• Yuri Gagarin Cosmonaut Training Center
• Peter the Great Military Academy
• Central Museum of the Air Forces at Monino
• History of Russian Scarfs and Shawls Museum
• Balashikha Arena
• Balashikha Museum of History and Local Lore
• Bykovo Manor
• Pekhorka Park
• Ramenskii History and Art Museum
• Malenky Puppet Theater
• Drama Theatre BOOM
• Likino Dulevo Museum of Local Lore
• Noginsk Museum and Exhibition Center
• Pavlovsky Posad Museum of Art and History
• Saturn Stadium
• Fairy Tale Children's Model Puppet Theater
• Fifth House Gallery
• Church of Vladimir
• Malakhovka Museum of History and Culture
• Orekhovo Zuevsky City Exhibition Hall

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NEW CHRISTMAS TOUR 2024 - Bournemouth - Norfolk Royale Hotel - BROCHURE ADDITION . 2024 EUROPEAN HOLIDAYS - Early release - ITALY - Lake Garda / Alassio Click here to download our 2024 Brochure All Our Holidays Include In The Price: Free Door to Door Taxi ( Subject to Area ) ~ Luxury Coach Travel ~ Reserved Coach Seats . Personally Selected ...

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KM Travel of Barnsley, South Yorkshire. Request a brochure by: Calling: 01226 245564 email: [email protected] . download: click here to download the 2024 Tour Brochure.

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The journey from Moscow to Elektrostal by train is 32.44 mi and takes 2 hr 7 min. There are 71 connections per day, with the first departure at 12:15 AM and the last at 11:46 PM. It is possible to travel from Moscow to Elektrostal by train for as little as or as much as . The best price for this journey is . Journey Duration.

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Cities near Elektrostal. Places of interest. Pavlovskiy Posad Noginsk. Travel guide resource for your visit to Elektrostal. Discover the best of Elektrostal so you can plan your trip right.