Table of cover (including COVID-19 coverage under Section 29)
Maximum benefit (S$) for each trip
Standard Plans(No coverage for pre-existing medical conditions)
Essential
Travel Inconvenience Benefits
Section 1

Cancelling your trip
Overall section limitPer
insuredpersonFamilytotal15,000

AdvantagePerinsuredperson10,00015,000Section 2

Co-payment for claims due topre-existing medical conditions
Postponing your trip
Overall section limit

NA2

Section 3

Section 4

1Per
insuredpersonFamilytotal1

15,000NA2

3,000

Ultimate

30,000PreX EssentialPer
insuredpersonPreX AdvantagePer
insuredpersonPreX UltimatePer
insuredperson45,000
50%

4,000
9,000

5,000
12,00015,000

NA2

NA2

NA2

NA2

50%

50%

5,000

10,00015,0005,000

10,00015,000Limit for extra expenses to returnto Singapore

1,000

Co-payment for claims due topre-existing medical conditions
Trip disruption
Overall section limit

NA2

NA2

NA2

NA2

50%

50%

3,000

4,000

5,000

3,000

4,000

5,000

Limit
for
accommodation
expenses per room per night

400

400

400

400

400

400

Co-payment for claims due topre-existing medical conditions2

15,000

2,000

9,000
NA

30,0003,000

12,0002

NA45,0001,000

15,000NA

215,000

2,000

9,000
2

NA

30,0003,000

12,00050%

Familytotal1

15,00030,00050%

3,000
15,000

Familytotal1

10,00015,000NA2

5,000
12,000

Familytotal1

5,000
45,000

NA2

4,000
9,000

Co-payment for claims due topre-existing medical conditions
Shortening your trip
Overall section limit

Familytotal1

PreX Plans(Covers pre-existing medical conditions where indicated)

45,00015,00050%

Family total means the maximum amount we will pay for each benefit section under the family cover during any one trip. Each insured person is only allowed the maximum benefit per insured
person in the table of cover.
2
No coverage for pre-existing medical conditions.

Maximum benefit (S$) for each trip
Standard Plans(No coverage for pre-existing medical conditions)
Essential
Travel Inconvenience Benefits
Section 5

Unused entertainment tickets
booked using Trust card
Section 6 Travel delay
Overall section limit
For every six hours of delay while
overseas
1 Adult
2 Child
After six hours of delay while in
Singapore
1 Adult
2 Child
Section 7 Missed connections
Section 8 Overbooked public transport
Section 9 If the travel agency becomesinsolventOverall section limit
Limit for deposits paid using
Trust card
Limit for deposits paid using
other methods
Section 10 Baggage delay
Overall section limit
For every six hours of delay while
overseas
1 Adult
2 Child
Baggage delay after six hours
when arriving in Singapore
1 Adult
2 Child1

Advantage

PreX Plans(Covers pre-existing medical conditions where indicated)

Ultimate

PreX Essential

PreX Advantage

PreX ultimatePer
insuredpersonFamilytotal1Per
insuredpersonFamilytotal1Per
insuredpersonFamilytotal1Per
insuredpersonFamilytotal1Per
insuredpersonFamilytotal1Per
insuredpersonFamilytotal1

500

1,500

750

2,250

1,000

3,000

500

1,500

750

2,250

1,000

3,000

1,000

100
50

150
50
100
150

2,500
2,500

1,500

2,000

100
50

1,000
1,500

150
50
200
300

12,500

5,000
5,000

2,000

3,000

100
50

2,000
3,000

150
50
500
750

25,000

7,500
7,500

1,000

4,000

100
50

5,000
7,500

150
50
100
150

37,500

2,500
2,500

1,500

2,000

100
50

1,000
1,500

150
50
200
300

12,500

5,000
5,000

2,000

3,000

100
50

2,000
3,000

150
50
500
750

5,000
7,500

25,000

7,500
7,500

37,500

1,000

2,000

3,000

1,000

2,000

3,000

1,000

1,200

2,000

1,000

1,200

2,000

200
50

200
50

2,000

200
50

200
50

2,400

200
50

200
50

4,000

200
50

200
50

2,000

200
50

200
50

4,000

2,400

200
50

4,000

200
50

Family total means the maximum amount we will pay for each benefit section under the family cover during any one trip. Each insured person is only allowed the maximum benefit per insured
person in the table of cover.

Maximum benefit (S$) for each trip
Standard Plans(No coverage for pre-existing medical conditions)
Essential
Travel Inconvenience BenefitsPer
insuredpersonFamilytotal1

AdvantagePerinsuredpersonFamilytotal1

PreX Plans(Covers pre-existing medical conditions where indicated)

UltimatePer
insuredpersonPreX Essential

Familytotal1Per
insuredpersonFamilytotal1

PreX AdvantagePer
insuredpersonFamilytotal1

PreX UltimatePer
insuredpersonSection 11 Loss or damage of baggage
and personal belongings
Overall section limit

3,000

5,000

8,000

3,000

5,000

8,000

Limit for laptop

1,000

1,000

1,000

1,000

1,000

1,000

Limit for watches, jewellery or
valuables in total

200

Limit for other items (for each
item, set or pair)500

Section 12 Purchase protection
Section 13 Losing
money(Including
fraudulent use of Trust card)
Overall section limit
1 Adult
2 Child

1,000

Limit for fraudulent use of Trust
card

100

7,500

500

500

2,500

250
100

2,000

Limit
for
accommodation
expenses per room per night

1

5,000
400

5,000

3,000

600

7,500
400

20,000

7,500

1,000

800

10,000
400

7,500

2,500

2,000

450

5,000
400

12,500

5,000

3,000

600

7,500
400

20,000

7,500

500
150

100

12,500

750

500

350
125

100

25,000

500

500

250
100

100

18,750

200

500

500
150

100

12,500

750

500

350
125
450

Section 14 Losing travel documents
Overall section limit

12,500

Familytotal1

800
100

18,75010,00025,000400

Family total means the maximum amount we will pay for each benefit section under the family cover during any one trip. Each insured person is only allowed the maximum benefit per insured
person in the table of cover.

Maximum benefit (S$) for each trip
Standard Plans(No coverage for pre-existing medical conditions)
Essential
Personal Accident andMedical Expense Benefits
Section 15 Personal accident
1 Adult 70 years old or over2 Adult under 70 years old
3 Child

Advantage

PreX Plans(Covers pre-existing medical conditions where indicated)

Ultimate

PreX Essential

PreX Advantage

PreX UltimatePer
insuredpersonFamilytotal1Per
insuredpersonFamilytotal1Per
insuredpersonFamilytotal1Per
insuredpersonFamilytotal1Per
insuredpersonFamilytotal1Per
insuredpersonFamilytotal1

100,000
150,000
75,000600,000

125,000
200,000
100,000

800,000

200,000
500,000
125,000

1,500,000

100,000
150,000
75,000600,000

125,000
200,000
100,000

800,000

200,000
500,000
125,000

1,500,000

NA
NA
NA

NA

250,000
400,000
200,000

1,600,000

400,000
1,000,000
250,000

3,000,000

NA
NA
NA

NA

250,000
400,000
200,000

1,600,000

400,000
1,000,000 3,000,000
250,000

Or
Public transport double cover
for accidental death
1 Adult 70 years old or over2 Adult under 70 years old
3 Child

Scale of compensation

Percentage of benefit limitaAccidental death

100%

b

Permanent total disability

100%

c

Losing two or more limbs

100%

d

Losing sight in both eyes

100%

e

Losing one limb

50%fLosing sight in one eye

50%gLosing speech50%hLosing hearing

50%
The total compensation from a to h will not be more than the maximum benefit limit.

1

Family total means the maximum amount we will pay for each benefit section under the family cover during any one trip. Each insured person is only allowed the maximum benefit per insured
person in the table of cover.

Maximum benefit (S$) for each trip
Standard Plans(No coverage for pre-existing medical conditions)
Essential
Personal Accident andMedical Expense Benefits
Section 16 Medical expenses overseas
Overall section limit
1 Adult 70 years old or over(combined for sections 16,
20 and 21)
2 Adult under 70 years old
3 Child

Limit for medical aids andequipmentPer
insuredpersonFamilytotal1

AdvantagePerinsuredperson1

UltimatePer
insuredpersonFamilytotal1

PreX EssentialPer
insuredpersonFamilytotal1

PreX AdvantagePer
insuredpersonFamilytotal1

PreX UltimatePer
insuredperson300,000

300,000

350,000

300,000

300,000

350,000

250,000
150,000

500,000
200,000

1,000,000
300,000

250,000
150,000

500,000
200,000

1,000,000
300,000

500

1,000

1,500

500

1,000

1,500

1,250,000
Limit for claims due to preexisting medical conditions(combined for sections 16, 20
and 21)
1 Adult 70 years old or over2 Adult under 70 years old
3 Child
Section 17 Medical expenses in Singapore(for accidents while overseas
and follow-up treatment)
Overall section limit
1 Adult 70 years old or over2 Adult under 70 years old
3 Child
Limit for medical aids andequipment

Familytotal1

PreX Plans(Covers pre-existing medical conditions where indicated)

2,000,000

3,500,000

1,250,000

2,000,000

3,500,000

NA2
NA2
NA2

NA2
NA2
NA2

NA2
NA2
NA2

100,000
150,000
100,000

100,000
150,000
100,000

200,000
300,000
200,000

1,000
12,50010,0002,000
25,00015,0005,000
50,00025,0001,000
12,50010,0002,000
25,00015,0005,000
50,00025,000500

60,0001,000

100,000

1,500

200,000

500

60,0001,000

100,000

Familytotal1200,000

1,500

Family total means the maximum amount we will pay for each benefit section under the family cover during any one trip. Each insured person is only allowed the maximum benefit per insured
person in the table of cover.
2
No coverage for pre-existing medical conditions.

Maximum benefit (S$) for each trip
Standard Plans(No coverage for pre-existing medical conditions)
Essential
Personal Accident andMedical Expense BenefitsPer
insuredpersonFamilytotal1

AdvantagePerinsuredpersonFamilytotal1

PreX Plans(Covers pre-existing medical conditions where indicated)

UltimatePer
insuredpersonFamilytotal1

PreX EssentialPer
insuredpersonFamilytotal1

PreX AdvantagePer
insuredpersonFamilytotal1

PreX UltimatePer
insuredpersonSection 18 Treatment by a Chinese
medicine practitioner or achiropractor
Overall section limit

300

500

1,000

300

500

1,000

Limit per visit

50

75

100

50

75

100

Limit for claims due to preexisting medical conditions

NA2

NA2

NA2

Limit per visit for claims due topre-existing medical conditions

NA2

NA2

NA2

50

75

100

Section 19 Overseas hospital allowance
Overall section limit

15,00030,00060,00015,00030,00060,000Benefit per day

100

200

200

100

200

200

Limit for claims due to preexisting medical conditions

NA2

Benefit per day if due to preexisting medical conditions

NA2

1

1,000

45,000

1,500

NA2

NA2

90,000

300
3,000

NA2

NA2

180,000

500
1,000

NA2

NA2

45,000

1,000
1,500

4,500

100

Familytotal190,000

3,000

6,000

180,000

100

Family total means the maximum amount we will pay for each benefit section under the family cover during any one trip. Each insured person is only allowed the maximum benefit per insured
person in the table of cover.
2
No coverage for pre-existing medical conditions.

Maximum benefit (S$) for each trip
Standard Plans(No coverage for pre-existing medical conditions)
Essential
Personal Accident andMedical Expense Benefits
Section 20 Emergency medical evacuation
Overall section limits
1 Adult 70 years old or over2
3

Adult under 70 years old
Child

Per
insuredpersonFamilytotal1

See limit
under
section 16
Unlimited
Unlimited

AdvantagePerinsuredpersonSee limit
under
section 16
Unlimited
Unlimited
1,250,000

Limit for claims due to preexisting medical conditions
1 Adult 70 years old or over2 Adult under 70 years old
3 Child
Section 21 Sending you home
Overall section limits
1 Adult 70 years old or over2
3

Adult under 70 years oldChild

Limit for claims due to preexisting medical conditions
1 Adult 70 years old or over2 Adult under 70 years old
3 Child

1

Familytotal1

PreX Plans(Covers pre-existing medical conditions where indicated)

UltimatePer
insuredpersonFamilytotal1

See limit
under
section 16
Unlimited
Unlimited
1,500,000

PreX EssentialPer
insuredpersonFamilytotal1

See limit
under
section 16
Unlimited
Unlimited
2,000,000

PreX AdvantagePer
insuredpersonFamilytotal1

See limit
under
section 16
Unlimited
Unlimited
1,250,000

PreX UltimatePer
insuredpersonFamilytotal1

See limit
under
section 16
Unlimited
Unlimited
1,500,000

2,000,000

NA2

NA2

NA2

See limits
under
section 16

See limits
under
section 16

See limits
under
section 16

See limit
under
section 16
Unlimited
Unlimited

See limit
under
section 16
Unlimited
Unlimited

See limit
under
section 16
Unlimited
Unlimited

See limit
under
section 16
Unlimited
Unlimited

See limit
under
section 16
Unlimited
Unlimited

See limit
under
section 16
2,000,000
Unlimited
Unlimited

NA2

1,250,000

NA21,500,000

NA22,000,000

See limits
under
section 16

1,250,000

See limits
under
section 16

1,500,000

See limits
under
section 16

Family total means the maximum amount we will pay for each benefit section under the family cover during any one trip. Each insured person is only allowed the maximum benefit per insured
person in the table of cover.
2
No coverage for pre-existing medical conditions.

Maximum benefit (S$) for each trip
Standard Plans(No coverage for pre-existing medical conditions)
Essential
Personal Accident andMedical Expense Benefits
Section 22 Compassionate visit
Overall section limitPer
insuredpersonFamilytotal1

7,500

Limit
for
accommodation
expenses per room per night

400

Limit for claims due to preexisting medical conditions

NA2

AdvantagePerinsuredpersonUltimate

Familytotal1

15,00022,500400

PreX Plans(Covers pre-existing medical conditions where indicated)Per
insuredpersonFamilytotal1

20,00045,000NA2

400

PreX EssentialPer
insuredpersonFamilytotal1

7,500
60,000NA2

400

PreX AdvantagePer
insuredpersonFamilytotal1

15,00022,500NA2

400

PreX UltimatePer
insuredpersonFamilytotal1

20,00045,00015,000400

60,00020,000

Other Benefits
Section 23 Kidnap and hostage
Overall section limit

5,000

15,00010,00030,00015,00045,0005,000

15,00010,00030,00015,000Every 24 hours

200

500

750

200

500

750

Section 24 Emergency phone charges
Overall section limit

200

300

500

200

300

500

Limit for claims due to preexisting medical conditions
Section 25 Home cover
Overall section limit

NA2

600

5,000

NA2

10,0005,000

Limit per item (for each item, setor pair)
Section 26 Personal liability

Section 27 Rental vehicle excess cover

1

900

1,000

NA2

1,500

20,00010,000

1,000

200

600

5,000
20,000

1,000

300

900

10,000
5,000

1,000

500

45,0001,500

20,00010,0001,000

20,0001,000

500,000

500,000

1,000,000

1,000,000

1,000,000

1,000,000

500,000

500,000

1,000,000

1,000,000

2,000

2,000

2,500

2,500

3,000

3,000

2,000

2,000

2,500

2,500

1,000,000 1,000,000
3,000

3,000

Family total means the maximum amount we will pay for each benefit section under the family cover during any one trip. Each insured person is only allowed the maximum benefit per insured
person in the table of cover.
2
No coverage for pre-existing medical conditions.

Maximum benefit (S$) for each trip
Standard Plans(No coverage for pre-existing medical conditions)
Essential
Other Benefits
Section 28 Full terrorism cover (for sections
1 to 27)
1 Adult 70 years old or over2 Adult under 70 years old
3 Child
Section 29 COVID-19 cover extension (forsections 1 to 27 except section
17)
Section 30 Post-departurepurchase
extension (for sections 3 to 29
except section 9)

1Per
insuredperson100,000
150,000
75,000

Familytotal1600,000

AdvantagePerinsuredperson125,000
200,000
100,000

Familytotal1800,000

PreX Plans(Covers pre-existing medical conditions where indicated)

UltimatePer
insuredperson200,000
500,000
125,000

Familytotal11,500,000

PreX EssentialPer
insuredperson100,000
150,000
75,000

Familytotal1600,000

PreX AdvantagePer
insuredperson125,000
200,000
100,000

Familytotal1800,000

PreX UltimatePer
insuredperson200,000
500,000
125,000

See limits of respective sections that apply

See limits of respective sections that apply

See limits of respective sections that apply

See limits of respective sections that apply

Familytotal11,500,000

Family total means the maximum amount we will pay for each benefit section under the family cover during any one trip. Each insured person is only allowed the maximum benefit per insured
person in the table of cover.

TravelShiok
Policy conditions
Things to rememberYour Policy•
This is your travel insurance policy and it contains
details of benefits, conditions and exclusions relating toeach insured person. The policy will form the basis onwhich we will settle all claims. It is only valid if you
have paid the appropriate premium in full and we haveissued you with a certificate of insurance.

••

Any statement, information or declaration thepolicyholder or you have given on behalf of the insured
people, including any declaration made over the phone,or by fax, email or the internet at the time of theapplication, will form the basis of the contract.
The certificate of insurance andendorsements are all part of the policy.

anyfurther

Please keep this document in case you need to refer toit.

Who is eligible?
This policy is only available to you if you:• are living or working in Singapore;• are an employee or member of the organisation (fororganisation policyholders only);• hold a valid Singapore identification document suchas a Singapore national registration identification
card, employment pass, work permit, long-term visit
pass or student pass;• start and end your trip in Singapore;• have fully paid your premium;• have bought the policy before you leave Singapore,
except if the post-departure purchase extension
under section 30 applies; and• are more than 30 days old••

The policyholder or you must reveal all facts thepolicyholder or you know or ought to know which
may affect the insurance cover you are applying
for. If not, your policy may not be valid.
We will reject your claims if you are travelling to
get medical treatment or travelling against yourdoctor's advice.
We do not cover claims arising from pre-existing
medical conditions:i.
unless you have bought a PreX plan foryour per-trip policy and we pay the claim
under the relevant sections as shown in thetable of cover, if cover applies; orii.
if you have been given a terminal prognosis
with a life expectancy of less than 12
months, even if you are insured under a
PreX plan.
We do not cover claims arising from known
events.
Your period of insurance must include the entire
length of your trip, except if the post-departurepurchase extension under section 30 applies. If
not, your policy will not be valid.

Definitions
Act of terrorism means an act (which may include
using force or violence) by any person or group,committed for political, religious, ideological or similar
purposes, with the aim of influencing any governmentor to put the public, or any section of the public, in fear.
Robberies or other criminal acts mainly committed for
personal gain and acts arising mainly as a result of
personal relationships will not be considered as an actof terrorism. Act of terrorism also includes any act
which is confirmed by the relevant government as anact of terrorism. Using nuclear, chemical or biologicalsubstances or weapons will also be considered an actof terrorism.
Accident or accidental means a sudden, unexpected
event which happens during the period of insurance
which must be the only cause of injury or damage toor loss of property, whichever applies.

PL/Travel/TravelShiok/202408

Page 1 of 35

Adult means the following.
a Under an individual or group cover – someone
paying the adult-rate premium.
b Under a family cover – a parent or legal
guardian aged 16 and above named in thecertificate of insurance.
Adventurous activity means any recreational activity
commonly available to the public that is done overseas
during your trip for leisure or as part of the tour andwhich:
a is undertaken while complying with all safety
procedures, such as wearing safety equipment andfollowing rules and regulations; whether
specifically advised or generally expected of areasonable person,b where guidance and supervision of licensed guides
or instructors are available, the recreational activity
must be carried out under the guidance andsupervision of licensed guides or instructors of thetour operator or activity provider, andc is not excluded under the general exclusions listed
in part 5 of the general conditions of the policy.
Adventurous activity includes but is not limited tohiking, bungee jumping, parasailing, paragliding,parachuting, hang-gliding, skydiving, abseiling, skiing,snowboarding, canoeing, kayaking, white water rafting,dragonboating,
paddleboarding,marathon,ultramarathon, biathlon, triathlon, surfing, snorkelling.
Assistance company means the company we haveappointed to provide you with various emergency
assistance services.
Business goods means any merchandise or trade item
you hold or carry to sell. This includes trade or businessexhibits and samples that are not meant for sale or resale.
Certificate of insurance means the document which
proves that you have insurance cover, listing, among
other things, details of everyone insured, your plan andthe period of insurance covered under this policy.
Child or children means the following.
a Under an individual or group cover – someone lessthan 21 years old paying the child-rate premium.
b Under a family cover – someone less than 21 years
old and who is the biological or legally adopted
child, or a ward, of the adult.
Chinese medicine practitioner means a legally licensed
herbalist, acupuncturist or bone-setter who isregistered and can practise within the scope of theirlicence under the laws of the country. This cannot be
PL/Travel/TravelShiok/202408

you, your family member or travelling companion,
partner, business partner, employer, employee oragent.
Chiropractor means a legally licensed practitioner inchiropractic medicine who is registered and can practise
within the scope of their licence under the laws of thecountry. This cannot be you, your family member ortravelling companion, partner, business partner,
employer, employee or agent.
Co-payment means the amount of the claim that you
need to pay.
Dental treatment means treatment needed to restore
sound and natural teeth which is necessary because ofan accident during your trip.
Entertainment ticket mean ticket granting admission toshows, performances, concerts, sporting events where
you are a spectator, theme parks, attractions, that are
purely for leisure and entertainment. This does notinclude courses, conferences, seminars, talks, tradeshows, tours, excursions, permits and other incidental
charges.
Family total means the maximum amount we will pay
for each benefit section under the family cover during
any one trip. Each insured person is only allowed the
maximum benefit per insured person in the table ofcover.
Family cover means:a covering one adult or two adults who are husbands,
wives or partners at the time of buying the policy;
andb covering any number of their children
under the same policy.
For a yearly plan, the insured people under the family
cover do not need to travel together.
Family member means your husband or wife, children,
parents, brothers and sisters, parents-in-law, brothersin-law, sisters-in-law, grandparents, grandparents-inlaw, daughters-in-law, sons-in-law or grandchildren.
General practitioner means any person registered andlegally qualified by a medical degree in western
medicine and authorised by the medical licensing
authority of that country to provide general medicalcare. This should cover a variety of medical problems inpatients of all ages. This often includes referring
patients to an appropriate specialist. This person should
not be you, your family member or travellingcompanion, partner, business partner, employer,
employee or agent.
Page 2 of 35

Hijack or hijacked means someone who takes by force,or threat of force or violence, a vehicle in which you aretravelling.
Home means your home address in Singapore as shownin your Singapore national registration identification
card or in other official passes and permits.
Home contents mean all household furniture andfurnishings and personal belongings inside your home.
This does not include deeds, bonds, bills of exchange,
promissory notes, cheques, traveller’s cheques,
securities for money, documents of any kind, cash,
currency notes or any other legal tender.
Home country means any country of which you are a
citizen.
Hospital means an establishment which is registeredunder the relevant national laws and regulations to care
for and treat sick and injured people as bed-paying
patients and which:a has organised facilities for diagnosis, treatment andmajor surgery;b provides nursing services by registered nurses 24hours a day;c is under the supervision of one or more medical
practitioners; andd is not mainly a clinic, a secure place to care foralcoholics or drug addicts, a nursing, rest orconvalescent home or a home for the elderly or asimilar establishment.
Hostage means being held as security by another person
by force or against your will. This does not apply tochildren being held hostage by their own parents.
Injury means damage or harm caused to the body by an
external force suffered during the period of insurance
and which is caused only by an accident.
Insolvent means the inability of someone to pay theirdebts when they are due. This happens, in the case of
an individual, when a bankruptcy petition is presented
against them. In the case of a company, this happens
when a resolution for winding up is passed by thecompany or a winding-up petition is presented against
them.
Insured person means the individual (or individuals)
named in the certificate of insurance as the person (orpeople) who is insured under this policy.
Jewellery or valuables means items made of orcontaining precious metals and semi-precious or
precious stones, including but not limited to rings,
cufflinks, bracelets, pendants, necklaces, bangles,
PL/Travel/TravelShiok/202408

earrings, brooches and pens.
Kidnap means being abducted by force or deception
against your will for the purpose of getting a ransom.
This does not apply to children kidnapped by their own
parents.
Known event means any situation, including riot, strike,civil commotion, natural disasters, which may result ina claim under the policy, threaten your health or disrupt
your trip that were made known to you or the insured
person by the transport or accommodation provider,publicised or reported by the media or through traveladvice issued by an authority (local or foreign) before
the policy was taken up, or changed; such as plan
upgrade or policy extension (in the case of a per-trip
policy); or before you made or changed the booking foryour trip (in the case of a yearly plan policy).
Laptop means a laptop computer or a tablet computer
including the accessories that come as standard
equipment with it.
Losing hearing means medically certified permanentand total loss of hearing as confirmed by our medical
practitioner.
Losing a limb means permanent and total loss of, or lossof use of, a hand at or above the wrist or a foot at or
above the ankle. This must be confirmed by our medical
practitioner.
Losing sight means medically certified total andpermanent loss of use of an eye which means you areabsolutely blind in that eye and which is beyond cureeither by surgical or other treatment. This must be
confirmed by our medical practitioner.
Losing speech means medically certified permanent andtotal loss of the ability to speak and which is beyond
cure either by surgical or other treatment as confirmed
by our medical practitioner.
Medical practitioner means any person registered andlegally qualified as a doctor by a medical degree inwestern medicine and authorised by the medical
licensing authority of that country to provide medical or
surgical services within the scope of their licence andtraining. The medical practitioner cannot be you, yourfamily member or travelling companion, partner,
business partner, employer, employee or agent.
Money means banknotes, coins and traveller’s cheques.

Page 3 of 35

Natural disaster means any event or force of naturesuch as earthquake, tsunami, volcanic eruption, flood,
typhoon or hurricane that has catastrophic
consequences in terms of financial, environmental or
human losses. Bad weather conditions that cause little
or no effect on financial, environmental or human loss
will not be considered as natural disaster.
Outpatient medical treatment means medical
treatment which is needed to treat an injury or sickness,where you can get treatment from a medical
practitioner or a specialist and you do not need to stayin hospital. This includes dental treatment needed totreat an injury.
Overseas means anywhere outside Singapore andincludes your trip to, or in, the countries or region
shown in the certificate of insurance.
Period of insurance means the entire length of yourper-trip policy or the period shown in the certificate of
insurance for your yearly plan. Specifically for Section
12, the period of insurance means the 30 days from thedate and time of purchase of your items while overseas.
Permanently disabled means suffering from one of theitems of disability listed in the scale of compensation
under Section 15 in the table of cover, and which wascaused only by an accident, as long as:a the disability lasts for 12 months in a row from thedate of the accident; andb our medical practitioner confirms that it is notgoing to improve after 12 months.
Permanent total disability means total disability caused
only by an accident during your trip that:a stops you from working in any job for a salary or
wage or stops you from carrying out any business
whatsoever; andb lasts for 12 months in a row from the date of theaccident; andc our medical practitioner believes is not going to
improve after 12 months.
Per-trip policy means a short-term policy to cover a
single trip. For Standard plans, each trip must not lastmore than 180 calendar days in a row. For PreX plans,each trip must not last more than 60 calendar days in arow.
Policy means this document, including any information
provided or declaration made by the policyholder forand on behalf of all the insured people, the table ofcover, the certificate of insurance and any
endorsement we have issued under this policy.
PL/Travel/TravelShiok/202408

Policyholder means the person or organisation named
and who has made a declaration on behalf of theinsured person and paid the premium as shown in thecertificate of insurance.
Postpone means delaying your trip to a date which is
not later than 180 days from the start date of your initial
trip.
Pre-existing medical condition means any injury or
sickness (including any complications which may arise):a which you knew about before the start of your trip;orb which you have received diagnosis, consultation,
medical treatment or prescribed drugs for in the 12months before the start of your trip; orc which you have been asked to get medical
treatment or medical advice for by a medical
practitioner within 12 months before the start ofyour trip.
The pre-existing medical condition definition also
applies to injury or sickness of your family member ortravelling companion.
If you have a yearly plan, the term pre-existing medical
condition also refers to a medical condition which you
have made a claim for on a previous trip. The medical
condition will be considered as a pre-existing medical
condition in future trips unless you have fully recovered
before the start of your trip.
Prohibited person means a person or entity who is, or
who is related to a person or entity:
a subject to laws, regulations or sanctions
administeredbyanyinter-government,
government, regulatory or law enforcement
authorities of any country, which will prohibit or
restrict us from providing insurance or carrying out
any transaction under this policy, orb who is involved in any terrorist or illegal activities orplaced on sanctions listing or issued with freezingorder.
Public transport means any regularly scheduled aircraft,bus, ferry, hovercraft, hydrofoil, ship, train, tram orunderground train which has fixed and establishedroutes and is operated by a licensed carrier or operator
to transport fare-paying passengers. This does notinclude taxis and all other methods of transport that arechartered or arranged as part of a tour even if they are
regularly scheduled.
Public place means a common area or place whereanyone has a right to be present or to come and go as
they please.
Page 4 of 35

Related includes relationships such as parent, stepparent, child, step-child, adopted child, spouse, sibling,
step-sibling, adopted sibling, parent-in-law, child-inlaw, sibling-in-law, cousin, uncle, aunt, grandparents,
niece, nephew, grandchild, employee, employer,
associate, parent company, subsidiary and shareholder.
Relevant person includes persons and entities such as
the policyholder, insured person, trustee, settlor,beneficiary, assignee, nominee, payee, mortgagee,
financier of the application/policy, and in relation to anentity, its director, partner, manager, person having
executive authority, authorised signatory, shareholder
or beneficial owner.
Rental vehicle means all motor-driven four-wheeledvehicles you may rent from a licensed rental agency forthe purpose of private use and which are in your care orcustody.
Sickness means worsening physical health not causedby an accident, which you, your family member ortravelling companion suffer from and for which you or
they need the care or treatment of a medical
practitioner when you are on a trip.
Serious injury or serious sickness means the following.
a For you – an injury or sickness that needs
treatment from a medical practitioner and which
results in you being certified by that medical
practitioner as being unfit to travel or to continue
with your trip.
b For your family member or travelling companion –an injury or sickness that is life-threatening asconfirmed by a medical practitioner.

Trip means any journey you carry out from Singapore toan overseas destination (including participation in any
adventurous activity) during the period of insurance.
Unattended means when you do not watch over, lookafter or are not in full view of and not in a position toprevent unauthorised interference of your belongings.

We, our, us, and Income Insurance means Income
Insurance Limited.
Yearly plan means a 12-month policy. You can makemultiple trips during this period. For all plans, each trip
must not last more than 90 calendar days in a row.
You, your and yours means the insured person or
people referred to in the certificate of insurance.
Your plan means the plan (with specific limits) that you
chose at the time you applied.

What your policy covers
This policy will protect you financially when a death,injury, sickness, loss, theft, damage, legal liability orother specified event happens during the period of
insurance.
The amount we will pay depends on the conditions andmaximum benefit limits and sub-limits of your plan as
set out in the table of cover.

Specialist means a medical practitioner who has thenecessary qualifications and expertise to practise as arecognised specialist of diagnostic techniques,
treatment and prevention, in a particular field of
medicine like psychiatry, neurology, paediatrics,
endocrinology, obstetrics, gynaecology, orthopaedics,
optometry and dermatology.
Table of cover means the separate table showing the listof benefits we will pay each of you according to yourplan while this policy is in force. It will depend on theterms, conditions, limits, exclusions and qualifications of
this policy.
Travelling companion means a person who has a travel
reservation or confirmation to accompany you on thesame trip.

PL/Travel/TravelShiok/202408

Page 5 of 35

Section 1 – Cancelling your trip
When we will pay
A If you are prevented from travelling
due to the reasons listed below andare forced to cancel your trip, if they
happen within 30 days before you
are due to leave Singapore.
1 Death, serious sickness or serious
injury you, your family member
or travelling companion suffer.
You must have bought your policy
three days (or earlier) from theday you leave Singapore unlessthe event is only accidental innature.
2 Government authorities stopping
you from travelling overseas
because you are suffering from aninfectious disease.
3 A sudden riot, strike or civilcommotion breakout in Singapore
or at the destination you plan totravel to.
4 Natural disasters which happen in
Singapore or at the destination
you plan to travel to.
5 Serious damage to your home
due to a fire or natural disaster.
B If you are prevented from travelling
due to the reasons listed below andare forced to cancel your trip, if anyof the following happens at any time
before you are due to leave.
1 If your flight is cancelled by theairline due to closing the airport,
runway or airspace, or poor
weather conditions, which forces
airplanes to be grounded.
2 If you have to appear in court as awitness during your trip and you
were not aware of this when you
took up the policy.
3 If you are forced to cancel yourtrip because you are a child andyour travelling companion who is
your guardian has to cancel theirtrip due to one of the reasons
listed in A or B above.
PL/Travel/TravelShiok/202408

What we pay
1 We will pay for the transport
expenses (air, sea or land travel)
and accommodation costs thatyou have paid or have agreed to
pay under a contract and which
you cannot get back (including
the travel agent’s cancellationfee).
2 If you are insured under a PreX
Advantage or PreX Ultimate
plan, we will pay the transport
expenses and accommodation
costs that you cannot get back,after taking off the co-payment
amount you will need to pay, forclaims arising from your preexisting medical conditions.
3 You must ask for a refund of any
prepaid expenses from thetransport or accommodation
provider first. We will reduce
your claim by the amount thetransport or accommodation
provider has refunded you.
Refunds from the transport oraccommodation
providerinclude, but are not limited to,cash, vouchers, credits and rebooking options.
4 You can only claim under either
section 1, 2, 3, 4, 5, 6, 7 or 8 forthe same event but not undermore than one section.
5 The most we will pay under thissection is the limit of your planas shown in the table of cover.

What we do not pay
Besides the general exclusions listed
in part 5 of the general conditions,
we will also not pay for the following,or for loss or liability directly or
indirectly caused by the following.
1 Any costs that result from you not
telling the travel agent, tour
operator, transportoraccommodation providers as soon
as you know you have to cancel
your trip.
2 Prepaidor
non-refundable
expenses for unused local
excursions,tours,
seminars,
courses, theatre shows, themeparks, sporting events, concerts
and any other charges not relatedtotransportoraccommodation.
3 Compensation for any air miles,
holiday points, membership or
credit-card redemption you use to
pay for the trip in part or in full.
4 You choosing not to travel whenan event listed in A2 to A4 has nottaken place.
5 If you choose not to travel becauseof sickness or injury to your family
member or travelling companion
which is not a serious sickness orserious injury.
6 Claims that result from any known
event.
7 Claims that result from a preexisting medical condition or any
sickness you knew about,including conditions suffered byyou, your family memberortravelling companion. If you are
insured under a PreX Advantage or
PreX Ultimate plan, the preexisting
medicalcondition
exclusion will not apply to you, butwill still apply to your family
members
andtravellingcompanions who are not insured
under a PreX Advantage or PreX
Ultimate plan.
Page 6 of 35

C If you are forced to cancel your trip
due to any of the reasons listed in A
or B above, we will only pay yourclaim after you have provided us
with written or documentary proof
that your claim has been denied,rejected or partially paid by thetransportoraccommodation
provider.
Section 2 – Postponing your trip
When we will pay
A If you are prevented from travelling
due to the reasons listed below andyou have to postpone your trip, if
they happen within 30 days before
you are due to leave Singapore.
1 Death, serious sickness or serious
injury you, your family member
or travelling companion suffer.
You must have bought your policy
three days (or earlier) from theday you leave Singapore unlessthe event is only accidental innature.
2 Government authorities stopping
you from travelling overseas
because you are suffering from aninfectious disease.
3 A sudden riot, strike or civilcommotion breakout in Singapore
or at the destination you plan totravel to.
4 Natural disasters which happen in
Singapore or at the destination
you plan to travel to.
5 Serious damage to your home
due to a fire or natural disaster.
B If you are prevented from travelling
due to the reasons listed below andare forced to postpone your trip, if
any of the following happens at any
time before you are due to leave.

8 Claims that result from flights
being cancelled due to any fault on
the part of the airline such as
aircrew rotation, rescheduled
flightsoroperational
requirements, or mechanicalbreakdown of the airplane inwhich you have a pre-booked
flight.
What we pay
1 We will pay for:a theadministrativefees
charged by the travel agent,
tour operator, transport oraccommodation providers;b extra economy-class transport
expenses (air, sea or land
travel); andc extraaccommodation
expenses of a standard room;
when you postpone your trip.
2 If you are insured under a PreX
Advantage or PreX Ultimate
plan, we will pay theadministrative fees and, theextratransport
andaccommodation
expenses
under paragraph 1 above thatyou cannot get back, after
taking off the co-payment
amount which you will need topay, for claims arising from yourpre-existing
medicalconditions.
3 You must ask for a refund of any
prepaid expenses from thetransport or accommodation
provider first. We will reduce
your claim by the amount thetransport or accommodation
provider has refunded you.
Refunds from the transport oraccommodation
providerinclude, but are not limited to,cash, vouchers, credits and rebooking options.

1 If your flight is cancelled by theairline due to closing of the
airport, runway or airspace, orpoor weather conditions, which
forces airplanes to be grounded.

4 You can only claim under either
section 1, 2, 3, 4, 6, 7, 8 or 9 forthe same event but not undermore than one section.

2 If you have to appear in court as awitness during your trip and you

5 The most we will pay under thissection is the limit of your plan

PL/Travel/TravelShiok/202408

What we do not pay
Besides the general exclusions listed
in part 5 of the general conditions,
we will also not pay for the following,or for loss or liability directly or
indirectly caused by the following.
1 Any costs that result from you not
telling the travel agent, tour
operator,transportoraccommodation providers as soon
as you know you have topostpone your trip.
2 Extra costs that result from you
upgrading to a better class or
categoryoftransportoraccommodation from that in youroriginal itinerary. For example,
extra costs for changing flight frombudget airline to commercial
airline.
3 Prepaidor
non-refundable
expenses which you cannot getback.
4 Compensation for any air miles,
holiday points, membership or
credit-card redemption you use to
pay for all or part of the trip.
5 You choosing not to travel whenan event listed in A2 to A4 has nottaken place.
6 If you choose to postpone yourtravel because of sickness or
injury to your family member ortravelling companion which is nota serious sickness or serious
injury.
7 Claims that result from any known
event.
8 Claims that result from a preexisting medical condition or any
sickness you knew about,including conditions suffered byPage 7 of 35

were not aware of this when you
took up the policy.

as shown in the table of cover.

3 If you are forced to postpone yourtrip because you are a child andyour travelling companion who is
your guardian has to cancel theirtrip due to one of the reasons
listed in A or B above.
C If you are forced to postpone yourtrip due to any of the reasons listed
in A or B above, we will only pay yourclaim after you have provided us
with written or documentary proof
that your claim has been denied,rejected or partially paid by thetransportoraccommodation
provider.

Section 3 – Shortening your trip
When we will pay
A If you are prevented from travelling
further due to the reasons listed
below and you have to cut shortyour trip and return to Singapore.
1 Death, serious sickness or serious
injury you, your family member
or travelling companion suffer.
2 Government authorities stopping
you from travelling further
because you are suffering from aninfectious disease.
3 There is a sudden riot, strike orcivil commotion at the destination
you are in or plan to travel to.

4 Natural disasters which happen
at the destination you are in orplan to travel to.
5 Serious damage to your home
due to a fire or natural disaster.
6 Your trip is disrupted for at least
12 hours in a row because thepublic transport in which you aretravelling as a passenger has beenhijacked.
7 If your flight is cancelled by theairline due to closing the airport,
PL/Travel/TravelShiok/202408

you, your family member ortravelling companion. If you are
insured under a PreX Advantage or
PreX Ultimate plan, the preexisting
medicalcondition
exclusion will not apply to you, butwill still apply to your family
members
andtravellingcompanions who are not insured
under a PreX Advantage or PreX
Ultimate plan.
9 Claims that result from flights
being cancelled due to any fault on
the part of the airline such as
aircrew rotation, rescheduled
flightsoroperational
requirements, or mechanicalbreakdown of the airplane inwhich you have a pre-booked
flight.

What we pay
1 We will pay for the transport
expenses (air, sea or land travel)
and accommodation costs thatyou have paid or have agreed to
pay under a contract and which
you cannot get back (including
the travel agent’s cancellationfee).
2 We will pay for expenses for
extra economy-class transport(air, sea or land travel) andaccommodation of a standard
room incurred prior to yourimmediate return to Singapore.
3 If you are insured under a PreX
Advantage or PreX Ultimate
plan, we will pay for thetransport and accommodation
expenses under paragraph 1 and2 above that you cannot getback, after taking off the copayment amount you will needto pay, for claims arising fromyourpre-existing
medicalconditions.
4 You must ask for a refund of
prepaid expenses from thetransport or accommodation
provider first. We will reduce
your claim by the amount thetransport or accommodation
provider has refunded you.
Refunds from the transport orWhat we do not pay
Besides the general exclusions listed
in Part 5 of the general conditions,
we will also not pay for the following,or for loss or liability directly or
indirectly caused by the following.
1 You choosing not to continue
with your trip when an event
listed in A2 to A4 has not takenplace at the destination you are inor plan to travel to.
2 Any extra costs that result fromyou not telling the travel agent,
tour operator, transportoraccommodation providers assoon as you know you have to cut
short your trip.
3 Extra costs that result from you
upgrading to a better class or
categoryoftransportoraccommodation from that inyour original itinerary.
For
example, extra costs for changing
flight from budget airline tocommercial airline.
4 Prepaidor
non-refundable
expenses for unused local
excursions, tours, seminars,
courses, theatre shows, themeparks, sporting events, concerts
and any other charges not relatedtotransportoraccommodation.
Page 8 of 35

runway or airspace, or poor
weather conditions, which forces
airplanes to be grounded.
B If you have to cut short your trip
because you are a child and yourtravelling companion who is yourguardian has to cut short their trip
due to one of the reasons above.
C If you are forced to shorten your trip
due to any of the reasons listed in A
or B above, we will only pay yourclaim after you have provided us
with written or documentary proof
that your claim has been denied,rejected or partially paid by thetransportoraccommodation
provider.

accommodation
providerinclude, but are not limited to,cash, vouchers, credits and rebooking options.

5 The part of the trip before you
cut short your trip.

5 You can only claim under either
section 1, 2, 3, 4, 6, 7, 8 or 9 forthe same event but not undermore than one section.

6 If you choose to cut short yourtrip because of sickness or injury
to your family memberortravelling companion which is
not a serious sickness or serious
injury.

6 The most we will pay under thissection is the sub-limit and limitof your plan as shown in thetable of cover.

7 Compensation for any air miles,
holiday points, membership or
credit-card redemption you use
to pay for all or part of the trip.
8 Claims that result from any
known event.
9 Claims that result from a preexisting medical condition or any
sickness you knew about,including conditions suffered byyou, your family memberortravelling companion. If you are
insured under a PreX Advantage
or PreX Ultimate plan, the preexisting
medicalcondition
exclusion will not apply to you,but will still apply to your family
members
andtravellingcompanions who are not insured
under a PreX Advantage or PreX
Ultimate plan.
10 The cost of your unused portionof the original transport ticket
back to Singapore which you havealready paid for.
11 Claims that result from flights
being cancelled due to any fault
on the part of the airline such as
aircrew rotation, rescheduled
flightsoroperational
requirements, or mechanicalbreakdown of the airplane inwhich you have a pre-booked
flight.

Section 4 – Trip disruption
When we will pay
A If your trip is disrupted while you areoverseas due to any of the reasons
listed below and you are forced tochange any part of your itinerary.
1 Serious sickness or serious injury
suffered by you or your travellingcompanion.
PL/Travel/TravelShiok/202408

What we pay
1 We will pay for extra economyclass transport expenses (air,sea or land travel) andaccommodation expenses of astandard room so you cancontinue with your originalscheduled trip.

What we do not pay
Besides the general exclusions listed
in part 5 of the general conditions,
we will also not pay for the following,or for loss or liability directly or
indirectly caused by the following.
1 You choosing not to continue
with the rest of the trip when an
event listed in A2 to A3 has not
Page 9 of 35

You or your travelling companion
must provide a written report ofyour medical condition from thegeneral practitioner or medical
practitioner
confirming
theserious sickness or serious injury
you or your travelling companion
suffered.
2 A sudden riot, strike or civilcommotion at the destination you
are in or plan to travel to.
3 Natural disasters which happen
at the destination you are in orplan to travel to.
4 If your flight is cancelled by theairline due to closing the airport,
runway or airspace, or poor
weather conditions, which forces
airplanes to be grounded.
B If you have to change your trip
because you are a child and yourtravelling companion who is yourguardian has to change their travel
due to one of the reasons above.
C If your trip is disrupted due to any of
the reasons listed in A or B above, wewill only pay your claim after you
have provided us with written or
documentary proof that your claim
has been denied, rejected or
partially paid by the transport oraccommodation provider.

2 If you are insured under a PreX
Advantage or PreX Ultimate
plan, we will pay for the extra
transport and accommodation
expenses under paragraph 1
above that you cannot get back,after taking off the co-payment
amount you will need to pay, forclaims arising from your preexisting medical conditions.
3 You must ask for a refund of
prepaid expenses from thetransport or accommodation
provider first. We will reduce
your claim by the amount thetransport or accommodation
provider has refunded you.
Refunds from the transport oraccommodation
providerinclude, but are not limited to,cash, vouchers, credits and rebooking options.

4 You can only claim under either
section 1, 2, 3, 4, 6, 7, 8 or 9 forthe same event but not undermore than one section.
5 The most we will pay under thissection is the sub-limit and limitof your plan as shown in thetable of cover.

taken place during your trip.
2 Extra expenses to extend yourtrip beyond what was originallyscheduled, unless medicallynecessary and asked for in writingby the medical practitioner.
3 Extra costs that result from you
upgrading to a better class or
categoryof transport oraccommodation from that inyour original itinerary.
For
example, changing flight frombudget airline to commercial
airline.
4 Any extra costs that result fromyou not telling the travel agent,
tour operator, transportoraccommodation providers assoon as you know you have tochange your trip.
5 Prepaidor
non-refundable
expenses for unused transport,
accommodation,
local
excursions, tours, seminars,
courses, theatre shows, themeparks, sporting events or concerts
which you have already paid for.
6 The part of the trip beforechanging your trip.
7 If you choose to change youritinerary because of sickness or
injurytoyourtravellingcompanion which is not a serious
sickness or serious injury.
8 Compensation for any air miles,
holiday points, membership or
credit-card redemption you use
to pay for all or part of the trip.
9 Claims that result from any
known event.

PL/Travel/TravelShiok/202408

10 Claims that result from a preexisting medical condition or any
sickness you knew about,including conditions suffered byyou, your family memberortravelling companion. If you are
insured under a PreX Advantage
or PreX Ultimate plan, the preexisting
medicalcondition
Page 10 of 35

exclusion will not apply to you,but will still apply to your family
members
andtravellingcompanions who are not insured
under a PreX Advantage or PreX
Ultimate plan.
11 The cost of your unused portionof the original transport ticket
back to Singapore which you havealready paid for.
12 Claims that result from flights
being cancelled due to any fault
on the part of the airline such as
aircrew rotation, rescheduled
flightsoroperational
requirements, or mechanicalbreakdown of the airplane inwhich you have a pre-booked
flight.
Section 5 – Unused entertainment tickets booked using Trust card
When we pay
What we pay
A If you are prevented from using 1 We will pay for the unused
your prepaid entertainment
entertainment ticket expenses
ticket due to the reasons listed
that you have paid using a
below and if they happen on the
Trust credit or debit card andday of the entertainment event or
which you cannot get back.
on the date of expiry of theentertainment ticket, whichever 2 You must ask for a refund ofis later.
any prepaid expenses from the
1 Your death, serious sickness
entertainment provider oror serious injury resulting inbooking agency first. We will
your hospitalization. To
reduce your claim by theconfirm the serious sickness
amount the entertainmentor serious injury you suffer,provider has refunded you.
you must provide a written
report of your medical 3 The most we will pay undercondition from the general
this section is the limit of yourpractitioner
ormedicalplan as shown in the table ofpractitioner.
cover.
2 A sudden riot, strike or civilcommotion breakout at yourdestination.
3 If you are prevented from
using
your
prepaid
entertainment ticket due tothe bankruptcy or insolvencyof the entertainment provider
or booking agency from which
you have bought yourprepaid entertainment ticket
from; if the bankruptcy or
insolvency takes place after
the purchase date of this
PL/Travel/TravelShiok/202408

What we do not pay
Besides the general exclusions listed
in part 3 of the general conditions,
we will not pay for the following, orfor loss or liability directly or
indirectly caused by the following.
1

Claims that result from any
known event.

2

Claims for expenses not paid forusing a Trust credit or debit card.

3

Compensation for any air miles,
holiday points, membership or
credit-card redemption you use
to pay for all or part of theentertainment ticket.

Page 11 of 35

policy and the petition forbankruptcy or a similar
petition was not filed before
the purchase date of thispolicy.
B

If you are prevented from using
your prepaid entertainment
ticket because your trip wascancelled, shortened, disrupted,
or postponed under Section 1, 2,
3, or 4 above for which you have avalid claim under that we will pay.

C

If you are prevented from using
your prepaid entertainment
ticket while on a trip due tonatural disasters which happen at
the destination where theentertainment event is held,
provided that they happen within
7 days before the day of theentertainment event or the dateof expiry of the entertainment
ticket, whichever is later.
You must meet the following
conditions:
1Your entertainment ticket
must be paid using a Trust
credit or debit card.
2 You must have provided us
with written or documentary
proof that your claim has
been denied, rejected or
partially
paid
by
the
entertainment provider orbooking agency.
Section 6 – Travel delay
When we will pay
A If the public transport you arescheduled to travel in during yourtrip is delayed for more than six
hours in a row and you are not thecause of the delay.
You must get written proof of thedelay and the reason for it from thetransport operator or their handlingagent.

PL/Travel/TravelShiok/202408

What we pay
1 For travel delays of more thansix hours while you areoverseas, we will pay a cash
benefit for every full six hours ina row of delay you suffer.

What we do not pay
Besides the general exclusions listed
in part 5 of the general conditions,
we will also not pay for the following,or for loss or liability directly or
indirectly caused by the following.

If you have onward connecting
public transport to your finaldestination, we will pay for travel
delays based on the actual arrival
time at the final destination andthe arrival time shown in the

1 You failing to get on the public
transport according to the timeshown in the itinerary supplied toyou.
2 Claims that result from any delay
Page 12 of 35

itinerary.
2 For travel delays of more thansix hours in a row before you
depart from Singapore, we will
pay you a flat cash benefit of$150 per adult or $50 per childas shown in the table of cover.

which you or the public knew
about at the time you bought thispolicy.
3 You checking in late to the
airport, port or station.

3 You can only claim under either
section 1, 2, 3, 4, 6, 7, 8, 9 or 23
for the same event but notunder more than one section.
Section 7 – Missed connections
When we will pay
A If you miss your travel connection
because of a delay in the arrival of
the scheduled public transport
which you took, and have received a
confirmed reservation, and there isno other travel arrangement madeavailable to you within six hours of
the scheduled departure of youronward travel connection.

What we pay
1 We will pay you the cash benefit
shown in the table of cover ofyour plan.
2 We will only pay this benefit
once for each trip.
3 You can only claim under either
section 1, 2, 3, 4, 6, 7, 8, 9 or 23
for the same event but notunder more than one section.

You must get written proof of yourmissed connection from thetransport operator (flight, rail, coachor ferry with fixed itinerary) or theirhandling agents.
Section 8 – Overbooked public transport
When we will pay
What we pay
A If you are not allowed to get on a 1 We will pay you the cash benefit
form of public transport for whichshown in the table of cover ofyou have previously received
your plan.
confirmation because it was
overbooked and no compensation or 2 We will only pay this benefit
no other transport was madeonce for each trip.
available to you within six hours of
the scheduled departure time.
3 You can only claim under either
section 1, 2, 3, 4, 6, 7, 8 or 9 for
You must get written proof of being
the same event but not under
denied boarding from the transport
more than one section.
operator of the public transport(whichever applies) or their handlingagents.
Section 9 – If the travel agency becomes insolvent
When we will pay
What we pay
A If you are forced to abandon your 1 We will pay for the transport
trip because the travel agency,
expenses (air, sea or land travel)transport provider or tour operator
and accommodation costs thatis no longer operating for business
you have paid and which you
and they cannot provide part or all of
cannot get back (including the
your trip.
travel agent’s cancellation fee)up to the sub-limit and limit
You must have bought the policy
shown in the table of cover ofthree days (or earlier) from the day
your plan.
PL/Travel/TravelShiok/202408

What we do not pay
Please read our general exclusions
listed in part 5 of the generalconditions.

What we do not pay
Please read our general exclusions
listed in part 5 of the generalconditions.

What we do not pay
Besides the general exclusions listed
in part 5 of the general conditions,
we will also not pay for the following,or for loss or liability directly or
indirectly caused by the following.
1 Prepaidor
non-refundable
expenses for unused local
excursions, tours, seminars,
Page 13 of 35

you are due to leave.

2 You can only claim under either
section 1, 2, 3, 4, 6, 7, 8 or 9 forthe same event but not undermore than one section.

courses, theatre shows, themeparks, sporting events, concerts
and any other charges not relatedtotransport
andaccommodation.
2 Compensation for any air miles,
holiday points, membership or
credit-card redemption you use
to pay for all or part of your trip.
3 The travel agency, transport
provider or tour operator filed apetition for bankruptcy or similar
petition, or stopping to operate,
before you bought the policy.
4 Any claim that comes fromgovernment
regulation
or
control.

Section 10 – Baggage delay
When we will pay
A If your checked-in baggage has been
delayed, misdirected or temporarily
misplaced by any transport operator
for more than six hours in a row
while you are in Singapore oroverseas.
You must get written proof from thetransport operator or their handlingagent of the period of delay and thereason for the delay.

What we pay
1A For baggage that is delayed
while overseas, we will pay youa cash benefit for every full six
hours in a row of delay workedout between the time you
arrived at the final destination
overseas and the time you
receive your baggage at thisoverseas destination.
1B For baggage that is delayed
during your return trip to
Singapore, we will pay you a flat
cash benefit of $200 per adult or$50 per child after six hours in arow of delay of your baggage
arriving in Singapore.

What we do not pay
Besides the general exclusions listed
in part 5 of the general conditions,
we will also not pay for the following,or for loss or liability directly or
indirectly caused by the following.
1

Any claims on the same baggage
by more than one insured.

2

Any claims under 1A if thebaggage was not received
overseas.

1C We will only pay 1A or 1B but
not both for the same event.
2

You can only claim under either
section 10, 11 or 12 for thesame event but not under both
sections.

3

The most we will pay under thissection is the limit of your planas shown in the table of cover.
Section 11 – Loss or damage of baggage or personal belongings
When we will pay
What we pay
A If your baggage or personal 1 We will decide whether tobelongings are lost or damaged due
replace, repair or pay a cash
to an accident or theft while
equivalent for your lost or
overseas.
damaged baggage and personal
PL/Travel/TravelShiok/202408

What we do not pay
Besides the general exclusions listed
in part 5 of the general conditions,
we will also not pay for the following,or for loss or liability directly orPage 14 of 35

You must show that you have met
the following conditions.
1 You have taken all possible steps
and been careful to protect the
security of your belongings andprevent loss or damage.
2 You have reported the loss to thepolice where the loss has
happened or to the relevant
authority such as the hotel, airline
or any transport operator, within
24 hours of discovering the loss ordamage. You must send us a copyof the police report or otherwritten document issued by therelevant authority with details of
the loss or damage, together withall relevant receipts or proof ofpurchase.
3 You must make any claims arisingfrom loss or damage to yourbaggage or personal belongings
while in the custody and care of
the transport or accommodation
provider to the service provider
first.
We will reduce your claim by theamountthetransport oraccommodation provider has
refunded you.
We will only pay your claim after
you have given us written or
documentary proof that yourclaim has been denied, rejected or
partially paid by the transport oraccommodation provider.

belongings. We will deduct anamount for wear and tear when
we work out the claim.

indirectly caused by the following.
1 Anybaggagewhich
youseparately checked in in advance.

2 You can only claim under either
section 10, 11 or 12 for any loss
or expenses you have sufferedfrom the same event but notunder both sections.

2 Claims for wear and tear (thisincludesscratches,
discolouration, stains, tears, ordents to the surface of the item
which does not affect how it
works), claims arising fromatmosphericor
climatic
conditions, gradual deterioration,
pests and insects or damage
caused during the repair process.

3 The most we will pay under thissection is the sub-limit and limitof your plan as shown in thetable of cover.

3 Items that are confiscated or heldby customs or authorities.
4 Claims for motor vehicles(including their accessories).
5 Claims for fragile items, antiques,
artefacts, manuscripts, paintings,
musical instruments, dentures,
fur and contact or corneal lenses.
6 Claims for fruits, perishables,
consumables and animals.
7 Claims for loss of, or restoring,
lost or damaged information
stored in tapes, cards, discs orother storage devices.
8 Claims for business goods orequipment of any kind.
9 Claims for money, securities,
stamps, debit or credit cards,
cash card, Ez link Card, bonds andcoupons.
10 Claims for identity card, passport,
travel pass or tickets and travel
documents.
11 Claims for any item which does
not belong to you.
12 Unexplained and mysterious
disappearance of your baggage
or personal belongings.
13 Any claim resulting from yourdeliberate act, failure to act,
negligence or carelessness.

PL/Travel/TravelShiok/202408

Page 15 of 35

14 Any claim resulting from youritem being lost or damaged whenleft unattended in a public place
and which is not in the custody ofan authorised party (includingtransport and accommodation
providers such as airline, train,
ferry, hotel and resorts).
15 Any claim resulting fromdeliberate acts of anyone you or
your travelling companion haveinvited to join you or yourtravelling companion at any
time during your trip.
Section 12 – Purchase protection
When we will pay
A If the newly purchased items which
you bought while overseas during
the trip have been damaged due toan accident within 30 days from thedate and time of purchase.

What we pay
1 We will reimburse you for the
repair costs of your damaged
items, up to the amount shownin the table of cover of yourplan.

What we do not pay
Besides the general exclusions listed
in part 5 of the general conditions,
we will also not pay for the following,or for loss or liability directly or
indirectly caused by the following.

You must show that you have met
the following conditions:
1 You have taken all possible steps
and been careful to protect yournewly purchased items fromdamage;2 You must have purchased these
items using a Trust credit or debitcard; and3 You must have your damaged
item repaired first and provide us
with details of the damage,
together with all relevant repair
receipts and proof of purchaseusing a Trust credit or debit card.
4 You must make any claims arisingwhile in the custody and care of
the transport or accommodation
provider to the service provider
first.

1 Claims where no repair was done,
including where the item was lostor beyond economic repair.

We will reduce your claim by theamountthetransport oraccommodation provider has
refunded you.

5 Claims for fragile items, antiques,
artefacts, manuscripts, paintings,
musical instruments, dentures,
fur and contact or corneal lenses.

We will only pay your claim after
you have given us written or
documentary proof that yourclaim has been denied, rejected or
partially paid by the transport oraccommodation provider.

6 Claims for fruits, perishables,
consumables and animals.

PL/Travel/TravelShiok/202408

2 Claims for wear and tear (thisincludesscratches,
discolouration, stains, tears, ordents to the surface of the item
which does not affect how it
works), claims arising fromatmosphericor
climatic
conditions, gradual deterioration,
pests and insects or damage
caused during the repair process.
3 Items that are confiscated or heldby customs or authorities.
4 Claims for motor vehicles(including their accessories).

7 Claims for loss of, or restoring,
lost or damaged information
stored in tapes, cards, discs orother storage devices.

Page 16 of 35

8 Claims for business goods orequipment of any kind.
9 Claims for money, securities,
stamps, debit or credit cards,
cash card, Ez link Card, bonds andcoupons.
10 Claims for any item which does
not belong to you.
11 Unexplained and mysterious
disappearance of your newly
purchased items.
12 Any claim resulting from yourdeliberate act, failure to act,
negligence or carelessness.
13 Any claim resulting from youritem being damaged when left
unattended in a public place andwhich is not in the custody of an
authorised
party(includingtransport and accommodation
providers such as airline, train,
ferry, hotel and resorts).
Section 13 – Losing money (Including fraudulent use of Trust card)
When we will pay
What we pay
A If your money is stolen from you 1 We will pay up to the amountwhile you are overseas.
shown in the table of cover ofyour plan.
You must show that:
1 you have taken all possible steps 2 For B: You must apply for aand taken care to make sure thatrefund or request for ayour money is kept in a secure
chargeback from Trust Bank
place and not left unattended in a
first. We will reduce your claim
public place; andby the amount Trust Bank has
refunded you.
2 you have reported the loss to thepolice where the loss happened,
within 24 hours of discovering it.
You must send us a copy of thepolice report with details of theloss.
B If unauthorised charges are made on
your Trust credit or debit card while
you are overseas.

What we do not pay
Besides the general exclusions listed
in part 5 of the general conditions,
we will also not pay for the following,or for loss or liability directly or
indirectly caused by the following.
1 If you fail to report to the police,
Trust Bank or relevant authority
within 24 hours of the discovery.
2 You failing to take due care andprecautions to make sure thatyour money and/or your Trust
credit or debit card is kept in asafe place.
3 Any loss due to exchange rate orloss in value of currencies.
4 Loss of money which was notunder your care and custody.

You must show that:
1 you have taken all possible steps
and taken care to make sure thatyour Trust credit or debit card is
kept in a secure place and not left
unattended in a public place; andPL/Travel/TravelShiok/202408

5 Unexplained and mysterious
disappearance of your money.
6 Any claim resulting from yourdeliberate act, failure to act,
negligence or carelessness.
Page 17 of 35

2 youhave
reportedtheunauthorised charges to thepolice and Trust bank where theloss happened, within 24 hours of
discovering it. You must send us acopy of the police and bank reportwith details of the loss; and3 you need to follow all of the rules
and requirements that Trust Bank
sets for dealing with unauthorised
charges made to your Trust credit
or debit card.
We will only pay your claim after you
have provided us with a written or
documentary proof that your claim has
been denied, rejected or partially paidby Trust Bank.
Section 14 – Losing travel documents
When we will pay
A If your passport or travel documents
are accidentally lost or stolen while
you are overseas.
You must show that you have met
the following conditions.
1 You have taken all possible steps
and been careful to make surethat your passport and travel
documents are kept in a secure
place and they are not left
unattended in a public place.
2 You have reported the loss to thepolice or relevant authority where
the loss happened within 24 hours
of discovering it.
You must make claims arisingfrom losing your passport ortravel documents while in thecustody and care of the transport
or accommodation provider tothe service provider first.
We will reduce your claim by theamountthetransport oraccommodation provider has
refunded you.
We will only pay your claim after
you have provided us with written
or documentary proof that yourclaim has been denied, rejected or
partially paid by the transport oraccommodation provider.
PL/Travel/TravelShiok/202408

7 Any claim resulting fromdeliberate acts of anyone you or
your travelling companion haveinvited to join you or yourtravelling companion at any
time during your trip.
8 Any loss incurred after you returnto Singapore from your trip.
9 Any unauthorised charges madeby your family member, yourtravelling companion or any
person that you entrust your
Trust credit or debit card or bankdetails with.

What we pay
1 We will pay for reasonableeconomy-class transport (air,sea or land travel) andreasonableaccommodation
expenses of a standard room
which you have to pay while
overseas to apply to replace thelostpassport
ortraveldocuments.
2 We will also pay for theadministrative fee which you
have to pay to get a
replacement passport, passport
photographortraveldocuments.
3 The most we will pay under thissection is the sub-limit and limitof your plan as shown in thetable of cover.

What we do not pay
Besides the general exclusions listed
in part 5 of the general conditions,
we will also not pay for the following,or for loss or liability directly or
indirectly caused by the following.
1 Buying travel tickets such as air
tickets and train tickets to replacetickets which have been lost or
stolen or which cannot be used
due to changing the travel date.
2 If you fail to report the loss to thepolice or relevant authority
within 24 hours of the discovery.
3 You failing to take due care andprecautions to make sure thatyour passport and travel
documents are kept in a safe
place.
4 Unexplained and mysterious
disappearance of your passport
or travel documents.
5 Any claim resulting from yourdeliberate act, failure to act,
negligence or carelessness.
6 Any claim resulting from youritem being lost when left
unattended in a public place andwhich is not in the custody of an
authorised party (including but
not limited to transport andaccommodation providers suchas airline, train, ferry, hotels andresorts).
Page 18 of 35

7 Any claim resulting fromdeliberate acts of anyone you or
your travelling companion haveinvited to join you or yourtravelling companion at any time
during your trip.
Section 15 – Personal accident
When we will pay
A If you are involved in an accident
during your trip which causes aninjury and due only to this accident
you die or become permanently
disabled within 90 days from thedate of the accident, the personal
accident cover will apply.
B If there is an accident involving the
public transport while you areoverseas and on board as a farepaying passenger, and due only tothis accident you die within 90 days
from the date of the accident, thepublic transport double cover for
accidental death will apply.

What we pay
1 We will pay you, your estate or
your
legal
personal
representative for the amountshown in the table of cover ofyour plan.
2 You can only claim under A or B
for the same event but notunder both sections.

2 Any physical disability which
existed before the trip.
3 Claims that result from a preexisting medical condition or any
sickness you knew about.

Section 16 – Medical expenses overseas
When we will pay
What we pay
A If you unexpectedly suffer an injury 1 We will pay for the necessary
or sickness during your trip andand reasonable costsofneed to get medical treatment while
emergency medical, surgical,
overseas.
hospital, dental treatment andambulance recommended or
You must provide a written report ofrequested by a medical
your medical condition from yourpractitioner for you to be
medical practitioner together withtreated while overseas, up to
original medical bills and receipts.
the limit shown in the table ofcover of your plan or up to aperiod of 45 days from the date
of
the
first
treatment,
whichever comes first.
2 We will also pay for thenecessary and reasonable costsof medical treatment by aspecialist, only if the specialist
medical treatment is considerednecessary and has been referred
by a general practitioner (apartfrom dental treatment).
3 Following
yourmedicaltreatment, we will pay for thereasonable costs of medical
equipment and aids that areconsidered medically necessary
for your recovery and mobility if
recommended by your medical
PL/Travel/TravelShiok/202408

What we do not pay
Besides the general exclusions listed
in part 5 of the general conditions,
we will also not pay for the following,or for loss or liability directly or
indirectly caused by the following.
1 A disability or death that iscaused by sickness. For example,
we will not pay a claim if you die
from a heart attack or become
permanently disabled after
suffering a stroke.

What we do not pay
Besides the general exclusions listed
in part 5 of the general conditions,
we will also not pay for the following,or for loss or liability directly or
indirectly caused by the following.
1 Overseas medical treatment
which has been planned or prearranged.
2 Claims for dental treatment as aresult of tooth or gum or oraldiseases, or from normal wearingof your teeth.
3 Claims that result from a preexisting medical condition or any
sickness you knew about, unless
you are insured under a PreX
plan.
4 If you are insured under a PreX
plan, the first $100 for each visit
for your outpatient medical
treatment arising from your preexisting medical condition or any
sickness you knew about.

Page 19 of 35

practitioner.
4 If you can recover all or part ofthe medical expenses
fromother sources, we will only pay
the amount that you cannot
recover from these othersources.

5 Any expenses incurred for COVID19 vaccine complications wherethe vaccine or vaccination is nottaken in Singapore or not
approved by the Singapore
government authorities at thetime of vaccination.

5 The most we will pay under thissection is the sub-limit and limitof your plan as shown in thetable of cover.
Section 17 – Medical expenses in Singapore (for accidents while overseas and follow-up treatment)
When we will pay
What we pay
What we do not pay
A If you need to get treatment when 1 We will pay for the necessary Besides the general exclusions listed
you return to Singapore because:and reasonable costs of medical, in part 5 of the general conditions,
surgical,
hospital,dental we will also not pay for the following,
1 You suffer an injury while ontreatment and ambulance for or for loss or liability directly or
your overseas trip.
treatment and follow-ups in indirectly caused by the following.
Singapore recommended or
2 You
requirefollow-up
requested by a medical 1 Claims for sickness where you didtreatment for sickness youpractitioner, depending on the
not first receive
medicalsuffer while on your overseas
conditions shown below.
treatment from a medical
trip for which you had received
practitioner while overseas.
medicaltreatment
while 2 Only for A1: If you did not getoverseas.
medical treatment for your 2 Claims for dental treatment as a
injury when you were overseas,
result of teeth or gum or oral
You must provide a written report ofyou must do so in Singapore
diseases or from normal wearing
your medical condition from yourwithin three days of your return.
of your teeth.
medical practitioner, together with
From the date of the firstoriginal medical bills and receipts.
treatment in Singapore, you 3 Claims that result from a prehave up to 30 days to continue
existing medical condition or any
treatment in Singapore or up to
sickness you knew about.
the limit shown in the table ofcover, whichever comes first.
4 Claims that result from COVID-19
or
COVID-19
vaccine3 If you have received medical
complications.
treatment overseas, you haveup to 30 days immediately after
your return to Singapore tocontinue medical treatment in
Singapore or up to the limit
shown in the table of cover,whichever comes first.
4 We will also pay for thenecessary and reasonable costsof medical treatment by aspecialist, only if specialist
medical treatment is considerednecessary and has been referred
by a general practitioner (apartfrom dental treatment).
5 Following
yourmedicaltreatment, we will pay for thereasonable costs of medical
PL/Travel/TravelShiok/202408

Page 20 of 35

equipment and aids that areconsidered medically necessary
for your recovery and mobility if
recommended by your medical
practitioner.
6 If you can recover all or part ofthe medical expenses
fromother sources, we will only pay
the amount that cannot berecovered from these othersources.
7 The most we will pay under thissection is the sub-limit and limitof your plan as shown in thetable of cover.
Section 18 – Treatment by a Chinese medicine practitioner or a chiropractor
When we will pay
What we pay
A If you suffer an injury or sickness 1 We will pay for the reasonable
while on your overseas trip and you
and necessary expenses you pay
need to get outpatient treatment byor agree to pay for outpatienta Chinese medicine practitioner or atreatment(whetherinchiropractor while overseas or backSingapore or overseas) by ain Singapore.
Chinese medicine practitioner
or a chiropractor, depending on
You must provide a written report ofthe conditions shown below.
your medical condition from yourChinese medicine practitioner or a 2 If your claim is due to your prechiropractor together with originalexisting medical condition andmedical bills and receipts.
you are covered under a PreX
plan, we will only pay for youroverseas outpatient treatment.
3 For claims not due to your preexisting medical conditions:a. If you did not get outpatient
treatment while overseas, wewill only pay for claims due toyour injury and you must get
treatment in Singapore within
three days of your return. From
the date of the first treatment in
Singapore, you have up to 30
days to continue treatment in
Singapore or up to the limit
shown in the table of cover,whichever comes first.
b. If you have received
outpatient treatment while
overseas, you have up to 30
days after your return toSingaporetocontinue
treatment in Singapore or up to
the limit shown in the table ofcover, whichever comes first.
PL/Travel/TravelShiok/202408

What we do not pay
Besides the general exclusions listed
in part 5 of the general conditions,
we will also not pay for the following,or for loss or liability directly or
indirectly caused by the following.
1 Claims for dental treatment as aresult of tooth or gum or oraldiseases, or from normal wearingof your teeth.
2 a. For outpatient
overseas:

treatment

Claims that result from a preexisting medical condition or any
sickness you knew about, unless
you are insured a PreX plan.
b. For outpatient treatment in
Singapore:
Claims that result from COVID-19,
COVID-19 vaccine complications,anypre-existing
medicalcondition, any sickness you knew
about, or any sickness where you
did not first receive medical
treatment while overseas from a
medical practitioner, Chinese
medicine practitioner or achiropractor.
3 If you are insured under a PreX
plan, the first $100 for each visit
for your overseas outpatient
treatment arising from your preexisting medical condition or any
Page 21 of 35

4 If you can recover all or part ofthe medical expenses
fromother sources, we will only pay
the amount that you cannot
recover from these othersources.
5 The most we will pay under thissection is the sub-limit and limitof your plan as shown in thetable of cover.
Section 19 – Overseas hospital allowance
When we will pay
What we pay
A If you have to stay in hospital as an 1 We will pay the benefit for each
inpatient overseas.
complete 24-hour period thatyou are an inpatient in theThis benefit will end once you leave
hospital, up to the amountthe overseas hospital.
shown in the table of cover ofyour plan.
2 The most we will pay under thissection is the sub-limit and limitof your plan as shown in thetable of cover.
Section 20 – Emergency medical evacuation
When we will pay
What we pay
A If you are in a life-threatening 1 We will pay for the necessary
condition because of an injury or
expensesourassistancesickness while overseas and ourcompany spends when they use
assistance company believes it beair
ambulance,
surface
medically necessary to move you toambulance,
regularair
the nearest medical facility fortransport, railroad, land or sea
treatment (whether overseas or intransport
or
any
other
Singapore).
appropriate method to move
you to the medical facility for
B If you need to return to Singapore
treatment.
for recuperation or continued
treatment after you have been 2 If you can use your existing
moved to an overseas medical
return ticket to Singapore, we
facility for treatment as in section A
will only pay
for theabove.
administrative fees charged by
the airline or travel agent forchanging your travel dates ordestinations.

sickness you knew about.

What we do not pay
Besides the general exclusions listed
in part 5 of the general conditions,
we will also not pay for the following,or for loss or liability directly or
indirectly caused by the following.
1 Claims that result from a preexisting medical condition or any
sickness you knew about, unless
you are insured under a PreX
Advantage or PreX Ultimate plan.
What we do not pay
Besides the general exclusions listed
in part 5 of the general conditions,
we will also not pay for the following,or for loss or liability directly or
indirectly caused by the following.
1 Claims resulting from services notarranged or approved by ourassistance company or us.
2 Claims that result from a preexisting medical condition or any
sickness you knew about, unless
you are insured under a PreX
plan.

3 All decisions on the mostappropriate
methodoftransport and the destination tomove you to will be made by ourassistancecompany.
Thedecision will be based only on
the medical necessity and theseverity of your medical
condition.
4 The most we will pay under thissection is the sub-limit and limit
PL/Travel/TravelShiok/202408

Page 22 of 35

of your plan as shown in thetable of cover.
Section 21 – Sending you home
When we will pay
A If you die after suffering an injury ora sickness while overseas.

What we pay
1 We will pay for the necessary
expensesourassistancecompany spends to return yourbody to Singapore or to yourhome country.

What we do not pay
Besides the general exclusions listed
in part 5 of the general conditions,
we will also not pay for the following,or for loss or liability directly or
indirectly caused by the following.

2 The most we will pay under thissection is the sub-limit and limitof your plan as shown in thetable of cover.

1 Claims resulting from services notarranged by our assistancecompany or not approved by ourassistance company or us.
2 Claims that result from a preexisting medical condition or any
sickness you knew about, unless
you are insured under a PreX
plan.

Section 22 – Compassionate visit
When we will pay
A If you suffer an injury or sickness
while on a trip and you have to stayin an overseas hospital for at least
three full days, and your medical
condition does not allow you to
return to Singapore for medical
treatment, and no adult family
member is with you during your stayin the hospital.
B If you die because of an injury or
sickness while overseas and there isno adult family member present tomake funeral arrangements or
arrangements to send your body orashes home.

What we pay
1 We will pay for the reasonableeconomy-classtransport
expenses (for air, sea or land
travel) and reasonable hotel
accommodation expenses of astandard room for one family
member to travel and be with
you
or
one
travellingcompanion to stay with you
until you are confirmed
medically fit by a medical
practitioner to continue withyour trip or to return toSingapore or for up to 30 days
from the date the trip ends,
whichever comes first.

What we do not pay
Besides the general exclusions listed
in part 5 of the general conditions,
we will also not pay for the following,or for loss or liability directly or
indirectly caused by the following.
1 Claims that result from a preexisting medical condition or any
sickness you knew about, unless
you are insured under a PreX
Advantage or PreX Ultimate plan.

2 We will pay for the reasonableeconomy-classtransport
expenses (for air, sea or land
travel)andhotel
accommodation expenses of astandard room for one family
memberor
travellingcompanion to help in the final
arrangements to bring yourbody or ashes back to Singapore
or your home country.
3 You can only claim under either
A or B for each event but notunder both sections. We will
only pay the benefit whichapplies to you under section A
or B of your plan as shown in the
PL/Travel/TravelShiok/202408

Page 23 of 35

table of cover.
4 The most we will pay under thissection is the sub-limit and limitof your plan as shown in thetable of cover.
Section 23 – Kidnap and hostage
When we will pay
A If you are held hostage after being
kidnapped while overseas for atleast 24 hours in a row.
You must prove that the event has
actually happened and we need
immediate notice and updates of theincident. The kidnap must bereported to the authorized lawenforcement agency within 24 hours
after you are able to contact
someone.

What we pay
1 We will pay you a benefit shownin your plan as shown in thetable of cover for each full day(continuous 24 hours). This will
apply up to the limit shown in
the table of cover.
2 You can only claim under either
section 6, 7 or 23 for the same
event but not under more than
one section.

Section 24 – Emergency phone charges
When we will pay
What we pay
A If you need to call our assistance 1 We will refund you the actual
company duringamedicalphone charges up to the limit
emergency and for which you haveshown in your plan as shown inmade a claim which we will pay
the table of cover.
under sections 15, 16, 18, 20 or 21.
2 If you are insured under a PreX
plan, we will also pay this refund
if your claim arises from yourpre-existing medical condition.
3 The most we will pay under thissection is the limit of your planas shown in the table of cover.
Section 25 – Home cover
When we will pay
A If there is loss or damage to yourhome contents due to fire while noone is staying in your home in
Singapore during your trip.

What we pay
1 We will either pay you a cash
equivalent or decide to repair,reinstate or replace the homecontents affected.
2 The most we will pay under thissection is the sub-limit and limitof your plan as shown in thetable of cover.

What we do not pay
Besides the general exclusions listed
in part 5 of the general conditions,
we will also not pay for the following,or for loss or liability directly or
indirectly caused by the following.
1 Claims resulting from you helping
others to commit a crime or yourcriminal acts.
2 Claims arising in your homecountry, countries in Central orSouth America or Africa, or any
country in which United Nations
armed forces are present andactive.
What we do not pay
Besides the general exclusions listed
in part 5 of the general conditions,
we will also not pay for the following,or for loss or liability directly or
indirectly caused by the following.
1 Claims that result from a preexisting medical condition or any
sickness you knew about, unless
you are insured under a PreX
plan.

What we do not pay
Besides the general exclusions listed
in part 5 of the general conditions,
we will also not pay for the following,or for loss or liability directly or
indirectly caused by the following.
1 Any claim for wear and tear, loss
in value, the process of cleaningor dyeing any article, damage orloss caused by light or
atmospheric conditions, moth,
insects, vermin or anything else
which happens gradually.
2 Any claim for damage arisingfrom or caused by repair or

PL/Travel/TravelShiok/202408

Page 24 of 35

restoration.
3 Any claim for loss or damage due
to your deliberate act or helping
someone else commit a crime.
4 Any claim arising as a result of any
government
authorities
confiscating, taking or holding
or illegally occupying your homeor any premises, vehicle or thing.
5 Any claim for loss or damage
caused by electricalormechanical breakdown.
6 Any claim for loss due to theft
during or after the fire.
7 Any claim for indirect loss of any
kind.
8 Any claim for loss of business or
professional use of photographic
and sporting equipment andaccessories
andmusicalinstruments.
9 Any claim for loss of motor
vehicles, boats, bicycles and theirequipment or accessories.
10 Any claim for loss not reported tothe police or relevant authorities
within 24 hours of discovering theloss.
11 Any claim for loss of or damage toa tenant’s property or to any
home contents you do not own.
12 Any claim for loss of, or restoring,
lost or damaged information
stored in tapes, cards, discs orother storage devices.
Section 26 – Personal liability
When we will pay
A If you are legally responsible for
accidentally:
1 injuring someone while overseas;or
2 damaging or causing loss tosomeone else’s property while
overseas.

PL/Travel/TravelShiok/202408

What we pay
1 We will pay:
- the legal costs and expenses
for representing or
defending you; and- the amount awarded against
you by the court inSingapore;
up to the amount shown in yourplan as shown in the table ofcover.

What we do not pay
Besides the general exclusions listed
in part 5 of the general conditions,
we will not pay for the following, orfor loss or liability directly or
indirectly caused by the following.
1 Any claim due to your deliberate,
malicious, unlawful or criminal
act or failure to act.

Page 25 of 35

2 Any claim for loss of or damage toproperty in your charge or under
your control or which belongs toyou.
3 Any claim resulting from legal
services we have not approved inadvance.
4 Any legal responsibility thatcomes from an injury or loss ordamage to property that you,your family member or youremployee owns, cares for orcontrols.
5 Any legal responsibility, injury,
loss or damage to your family
member or employee.
6

Any legal responsibility that
results from you owning or using
weapons, animals, vehicles,
aircraft or watercraft.
7 Any legal responsibility that
results from or is connected to
yourtrade,
businessorprofession.
8 Any legal responsibility that you
have under a contract.
9 Any court judgment which is notdelivered by a court within
Singapore.
10 Any court judgment which is
being appealed by you or on yourbehalf.
11 Any legal responsibility that
results from you passing on acommunicable disease to others.
12 Any legal responsibility that
results from your abuse ofcontrolled drugs.
13 Any legal responsibility that
results when you are under the
influence of drugs or alcohol.
14 Any legal responsibility that
results from your riding or racingin races or rallies.

PL/Travel/TravelShiok/202408

15 Any legal responsibility that iscaused by your involvement inpolluting or harming thePage 26 of 35

environment.
16 Anyclaim
forpunitive,
aggravatedorexemplarydamages (damages aimed atpunishing you or making an
example of you).
Section 27 – Rental vehicle excess cover
When we will pay
What we pay
A If there is a loss or damage to your 1 We will pay for the excess orrental vehicle due to an accident
deductible which you become
during your trip.
legally responsible for, up to thelimit shown in your plan as
You must prove the following.
shown in the table of cover.
1 That the rental vehicle is rented
from a licensed rental agency andyou were either a named driver or
co-driver of the vehicle. You must
provide copies of the vehicle
rental agreement, the receipt
showing payment of the rental
excess or deductible and any
reports to do with the accident or
the lost or damaged rental
vehicle.
2 You
must have arranged
comprehensive motor insurance
when hiring the vehicle so thatthe policy will pay for the loss ordamage of the vehicle throughout
the rental period.

What we do not pay
Besides the general exclusions listed
in part 5 of the general conditions,
we will also not pay for the following,or for loss or liability directly or
indirectly caused by the following.
1 Any claim for loss or damage tothe rental vehicle while it is not inyour custody and control.
2 Any claim for loss or damage tothe vehicle which happens
outside the vehicle rental periodor outside the period of
insurance.
3 Any claim arising from breaking
the vehicle rental agreement orlaws, rules and regulation of thecountry where the vehicle isrented or driven.
4 Any claim for loss or damage tothe vehicle if, at the time of theaccident, you were not licensed
to drive the vehicle or you weretaking part in or practising for
speed or time trials of any kind.
5 Any claim for loss or damage
arising from wear and tear,gradualdeterioration,anddamage suffered in any repair
process.

Section 28 – Full terrorism cover
When we will pay
A If any of the losses covered under
sections 1 to 27 arises from or in
relation to an act of terrorism, we
will still cover the loss but there will
be a limit as shown in section 28 ofyour plan in the table of cover.

What we pay
What we do not pay
1 We will pay for benefits up to Besides the general exclusions listed
the limits shown in the relevant in part 5 of the general conditions,section of your plan as shown in we will also not pay under thethe table of cover. However, we conditions listed in sections 1 to 27.
will limit the total amount wewill pay for losses arising from orrelated to the act of terrorism asshown in section 28 of your planin the table of cover.
Section 29 – COVID-19 cover extension (For sections 1 to 27 except section 17)
When we will pay
What we pay
What we do not pay
A If any of the losses covered under 1 We will pay for the benefits in Besides the general exclusions listed
sections 1 to 27 (except section 17)
the relevant section of your in part 5 of the general conditions
PL/Travel/TravelShiok/202408

Page 27 of 35

arises due to you, your travellingcompanion, or your family member(where applicable) testing positive
for and suffering from COVID-19.
You must fulfil all vaccination, predeparture tests and post-arrival
tests requirements (if any) imposedby the destination country ortransport operator at the time of thetrip.
You need not submit the test result
or proof of vaccination at the time ofpurchase but must furnish it at thetime of submitting a claim under thissection.
You must also ensure that all theconditions in the relevant section ofyour plan are met. For example,
under Section 1 – Cancelling yourtrip, COVID-19 must still result in aserious sickness.

plan (where applicable) up to
the limits shown in the relevant
section of your plan as shown in
the table of cover.

and the respective exclusions under
the relevant sections where you
incur losses, we will also not pay forthe following, or for loss or liability
directly or indirectly caused by thefollowing.
1 Any expenses incurred for
mandatory COVID-19 diagnostic
tests that you are required to takefor the trip, such as Antigen Rapid
Test (ART), Polymerase Chain
Reaction (PCR) test, rosteredroutine tests, pre-departure tests
and post-arrival tests.
2 Any claims as a result of borderclosures, government advisories
against travelling, or yourdisinclination to travel.

3 Any claims as a result of COVID-19
diagnosis or possible exposure
which you knew about at the pointof purchase of this policy or trip.
Section 30 – Post-departure purchase extension (for sections 3 to 29 except section 9)
When we will pay
What we pay
What we do not pay
A If you have bought this policy before 1 We will pay for the benefits in Besides the general exclusions listed
2359 hours of the next day after you
the relevant section of your in part 5 of the general conditions,have departed from Singapore forplan (where applicable) up to we will also not pay for the following,your trip, and you subsequently
the limits shown in the relevant or for loss or liability directly or
suffer any losses covered under
section of your plan as shown indirectly caused by the following.
sections 3 to 29 (except section 9).
in the table of cover.
1 Any claim arising from, related to,If you have bought this policy while
or taking place on, the transport oron board any transport or vehicle,
vehicle you take before or while
coverage will only commence foryou bought this policy.
events which happen after you
disembark.
2 Claims that result from any known
event.
You must also ensure that all theconditions in the relevant section of
3 Claims from losses that occurred
your plan are met.
before you bought this policy.
This extension will only beapplicable if this is a per-trip policy.

PL/Travel/TravelShiok/202408

Page 28 of 35

General conditions which
apply to the whole policy
1 Cover
For both per-trip policy and yearly plan,
the following apply.
a

Cover under section 1 (Cancelling your trip)
and section 2 (Postponing your trip) starts:
i. at the time when you book your trip (thisonly applies for yearly plan);ii. on the date we issue your policy; oriii. as shown under the section which applies,
whichever is later.

b

Cover under section 9 (If the travel agency
becomes insolvent) starts:
i. the time when you book your trip (this only
applies for a yearly plan); or
ii. on the date we issue your policy;
whichever is later.

c

Cover under section 15 (Personal accident)
starts when you leave the place you usually live
or work (whichever is later) to start your trip,
or three hours before the start date shown on
your certificate of insurance, whichever islater.
Cover under section 15 (Personal accident)
ends, whichever is earliest:
i. when you arrive at the place that you
usually live or work after your trip;
ii. three hours after you return to Singapore
iii. three hours after the end of the period
shown on your certificate of insurance; oriv. for Standard plans (as the case may be):• three hours after the end of 180 days
from the start of your per-trip policy; or• three hours after the end of 90 days
from the start of your trip under the
yearly planfor PreX plans (as the case may be):• three hours after the end of 60 days
from the start of your per-trip policy; or• three hours after the end of 90 days
from the start of your trip under the
yearly plan.

PL/Travel/TravelShiok/202408

2 Aggregate limit of liability
The total claims payable under your policy issued
by us for any single event where a number of
insured persons are together, shall not be morethan $30,000,000.
If the total claims payable for any single event
where a number of insured persons are together
are more than $30,000,000, the maximum benefit
limit for each insured person as shown in the tableof cover shall be pro-rated accordingly.

3 Automatically extending coverWe will automatically extend your period of
insurance up to a maximum of 14 days while
you are overseas, under this policy at no extra
premium if:athe public transport you are travelling on to
return to Singapore is delayed and you cannot
complete your trip when the policy ends,
and you are not the cause of the delay; orb due to an injury or sickness (including
contracting COVID-19 and where section 29
applies), you have to stay in hospital asadvised by a medical practitioner and you
cannot complete your trip when the policy
ends.
This automatic extension will end when you areable to return to Singapore, or at the end of 14days, whichever is earlier.

4 Worldwide 24-hour emergency
assistance
We have arranged with our assistance company
to give you various 24-hour emergency assistanceservices. The services they provide include medical
advice, referral to doctors, specialists, hospitals,
lawyers and interpreters, arrangement for bailbonds, travel help if you have lost your passport,
embassy referral, emergency medical evacuation,
sending home your body or ashes, providing
doctors and medicine, compassionate visits,
accompanying children and hospital deposit
guarantees.
You must pay for the costs and expenses of these
services except for emergency medical evacuation,
sending a body or ashes home and compassionate
visit which are covered under sections 20, 21 andPage 29 of 35

22 of your plan as shown in the table of cover.

5 General exclusions
This policy does not cover claims for loss or liability
directly or indirectly caused by or arising from thefollowing.

p

a

q

You travelling overseas against medical advice
or for the purpose of getting medical
treatment.
b You travelling overseas against a traveladvisory issued by the Singapore Government.
c You deliberately injuring yourself, committing
suicide or attempted suicide while sane orinsane, your criminal act, provoked assault,deliberate acts or putting yourself in danger(unless you are trying to save human life).
d The effect or influence of alcohol or drugs.
e Pregnancy, childbirth, abortion, miscarriage or
all complications arising from these
conditions.
f Mental problems or insanity.
g Sexually transmitted infections, humanimmunodeficiency virus (HIV) or any HIVrelated illness including acquired immunity
deficiency syndrome (AIDS) or any mutant
derivatives or variations of this however they
are caused.
h Pre-existing medical conditions
i. Unless you are insured under a PreX plan
and we pay the claim under the relevant
sections as shown in the table of cover, if
cover applies.
ii. If you have been given a terminal
prognosis with a life expectancy of lessthan 12 months, even if you are insured
under a PreX plan.
iYour physical disabilities.
j
Claims for treatment of an optional nature, forexample, plastic surgery or cosmetic surgery
which is not medically necessary.
k Claims for nursing care that is not provided by
the hospital.
lClaims for routine medical treatment, physicalexaminations, health check-ups or tests which
do not form part of the treatment or diagnosisof the actual injury or sickness.
m Any treatment which is not considered
medically necessary by the medical
practitioner.
n Conditions arising from surgical, mechanical orchemical contraceptive methods of birthcontrol or treatments relating to infertility.
o Taking part in flying or other aerial activities
except as a fare-paying passenger in a licensed
PL/Travel/TravelShiok/202408

rs

passenger-carrying aircraft. This exclusion
does not apply to skydiving, paragliding,parasailing, hang-gliding, parachuting, bungee
jumping, abseiling and hot air ballooning when
the insured person takes part in theseadventurous activities.
Taking part in any kind of speed contest or
racing (other than on foot).
An accident while you are driving or riding
on a motor race track.
Taking part in any professional sports or in any
sports which you could receive any form ofprize money, donation, sponsorship, award
or certificate of any kind.
You taking part in the following activities.
i. Any sport or activity which is against theadvice of a medical practitioner oragainst the health and safety rules as
required by the activity operator.
ii. Scuba diving unless it is for leisurepurposes and:- you hold a PADI certification (or similarrecognised qualification) and are divingwith a buddy who holds a PADI
certification (or similar recognised
qualification); or-

you are diving with a qualified
instructor.

The maximum depth we will cover is asshown under your PADI certification (orsimilar recognised qualification) but nodeeper than 30 metres.
iii. Trekking, unless it is done for leisurepurposes and you are trekking below
4,000 metres, and as long as the trekking
you are taking part in is:-

in a place which is open to the generalpublic without restriction;-organised by a recognised commercial
local tour operator or activity provider;or-under the guidance and supervision oflicensed guides or instructors of thetour operator or activity provider andyou wear the recommended safety
equipment and follow the safety
procedures, rules and regulations of
the licensed guides or instructors.

iv. Expeditions (unless on a recreational or
leisure tour organized by a recognizedcommercial tour operator):- to generally inaccessible and remoteareas of a country or areas
previously unexplored;
Page 30 of 35

-carried out for scientific, research orpolitical purposes to those places; or- to Antarctica or similar remoteplaces.
v. Extreme sports which involve speed,
height, danger, a high level of physicalexertion, highly specialised gear orspectacular stunts, whether they areplayed competitively or noncompetitively, in a team or individually.
This includes but is not limited tomountaineering, outdoor rock climbing(except rock climbing on man-madewalls), hunting, caving, potholing,
aerobatics, BASE jumping, cave diving,
free flying, ice climbing, wingsuit flying.
t Taking part in any naval, military or air
forces services or training or taking part inoperations of an offensive nature planned or
carried out by the civil or military authorities.
u The consequences of war, riot (except where
the claim for loss or liability is directly or
indirectly caused by or arising from a sudden
riot, strike or civil commotion at thedestination you are in or plan to travel to as
described in sections 1, 2, 3, 4, 5 or 6),
revolution or any similar event.
v Radioactivity, or damage from any nuclear
fuel, material or waste.
w Breaking government regulation or you failingto take reasonable precautions to avoid aclaim under this policy after receiving awarning through the media of any intended
strike, riot or civil commotion.
x You failing to take reasonable precautions toprotect your property or to avoid injury or
minimise claims under this policy.
y You travelling in, to or through Afghanistan,Iraq, Liberia, Sudan or Syria.
z Being employed on merchant vessels, taking
part in manual or dangerous work or using
machinery or tools or taking part in any
offshore work (for example on an oil rig),
testing of any kind of conveyance, mining,
aerial photography or handling explosives,
unless we agree in writing.
aa Any known event.
bb An item being lost or damaged when left
unattended in any public place or which is notin the custody of an authorised person
including transport and accommodation
providers such as the airline, train, ferry, hotel
and resort.
cc Claims which are covered by other insurance
PL/Travel/TravelShiok/202408

or which would be paid for by the carrier,hotel, tour operator, travel agency or otherproviders.
dd Your deliberate act, failure to act, negligenceor carelessness.
ee Expenses or charges for food and beverages,
local and international phone calls (apart fromphone charges which are due under section24), laundry and hotel entertainment or payper-view TV programmes.
ff Any claims arising from COVID-19 except ascovered under Section 29.
gg Any claims arising from policies purchased
after departing from Singapore, except ascovered under Section 30.
If we refuse to pay a claim as a result of any of the
exclusions listed above and you disagree with ourdecision, you are responsible for proving that weare legally responsible for the claim. If any part ofany exclusion is found to be invalid or we cannot
enforce it, it will not affect the rest of the
exclusions.

6 Payment before cover warranty
We (or our intermediary) must receive the fullpremium due on or before the start date of theinsurance. If we or the intermediary do not receive
the premium in full on or before the start date of
the insurance, the policy will not be valid and wewill not pay any benefits.

7 Condition Precedent (for organisation
policyholders only)This policy is valid on the condition that thepolicyholder has never had any travel insurance
terminated because of non-payment of premium,in the last 12 months before the start of this policy,
failing which, the policyholder must give us awritten confirmation from the previous insurerthat the policyholder has fully paid theoutstanding premium under the previous policy
before the start of this policy.

8 Paying benefits
We will pay the benefits listed in this policy only ifyou:a have met general condition 6; andb have given us satisfactory proof of theclaim; andc have fulfilled the condition where thePage 31 of 35

period of insurance covers the entire
length of your trip from the date you
leave Singapore to the date you arrive
back in Singapore
We will pay all benefits under this policy to you
unless:a you die as described in section 15, in whichcase we will pay the benefits to your estate or
your legal personal representative;
b you are evacuated as the result of a medical
emergency or sent home as described in
sections 20 and 21, in which case we will pay
our assistance company the expenses they
pay in transporting you; orc you suffer a claim for personal liability as
described in section 26, in which case we will
pay the person you are legally responsible to.
When we pay the benefits as described above, wewill have no further legal responsibility to you
under this policy for the claim.
Despite anything we have said to the contrary, we
will not pay any claim if the laws of Singapore or ofyour home country prevent us from doing so.

9 Fraud
You must not act in a fraudulent way. We willtake the action shown below if you, or anyone
acting for you:
a

b
c

d

make a claim under the policy knowing theclaim to be false or fraudulently exaggerated
in any way;
make a statement to support a claim
knowing the statement to be false in any way;
send us a document to support a claim
knowing the document to be forged or false
in any way; or

c
d
e
f

We will not pay the claim.
We will not pay any other claim which has
been or will be made under the policy.
We may declare the policy invalid.
We can recover from you the amount of any
claim we have already paid under the policy.
We will not refund the premium.
We may not allow you to buy other policies

PL/Travel/TravelShiok/202408

from us.
We may report you to the police.

10 Reasonable care
You must take all reasonable precautions to avoid
injury, sickness, loss, theft or damage and take allpractical steps to protect your property from loss
and damage and to recover the property lost or
stolen.

11 Other insurance
If at the time of any incident which results in aclaim under this policy you have any otherinsurance covering the same loss, damage,expense or liability, we will not pay more than ourshare. (This does not apply to section 6 – Travel
delay, section 7 – Missed connections, section 8 –Overbooked public transport, section 10 –Baggage delay, section 15 – Personal accident,
section 19 – Overseas hospital allowance or
section 23 – Kidnap and hostage).

12 Taking over your rights
We can take over any rights to defend or settle any
claim and to take proceedings in your name to
enforce your or our rights against any otherperson.

13 Claims conditionsa

At the time of your trip, you must be
medically fit to travel and not be aware of any
circumstances which may lead to your trip
being cancelled or disrupted. If not, we may
not pay the claim.

b

You must tell us as soon as possible and inany case within 30 days following any injury,
sickness, incident, event, or discovery of any
loss, theft or damage which may give rise to aclaim under this policy.

c

We pay all property claims based on the valueof the items at the time you lose them andthis means you will not get back the full price.

d

If you lose your items while overseas due totheft or an accident under section 11, when
we pay your claim, we will apply the
reduction factor as shown in the table below.

make a claim for any loss or damage causedby your deliberate act or with yourknowledge.

We may do the following.
abgPage 32 of 35

Baggage andpersonal
belongings(not including
watches,
jewellery or
valuables)
which are lost
due to theft or
accident

Reduction factor to be
applied to the value ofthe itemWith
receipt or
credit-cardstatementLess than orequal to 1 year
More than 1
year and lessthan or equal to
2 years
More than 2
years and lessthan or equal to
3 years
More than 3
years and lessthan or equal to
4 years
More than 4
years and lessthan or equal to
5 yearse0%

Without
receipt or
credit-cardstatement

More than 5
years

50%

50% ofsame
model (orclosestbut notbetter)availablein themarket,up to$100 peritem foreach set,pair andup to$500 in
total

Watches,
jewellery or
valuables

0%

50%

10%

20%

30%

40%

If your baggage is damaged while overseas
under section 11, when we pay your claim we
will apply the following reduction factor.
With proof ofdamagedbaggage (notincludingwatches,
jewellery or
valuables)

Reduction factor to be
applied to the value ofthe itemWith receipt
or creditcard
statementLess than orequal to 1 year
More than 1
year and lessthan or equal to
2 years

PL/Travel/TravelShiok/202408

With proof ofdamagedbaggage (notincludingwatches,
jewellery or
valuables)

Without
receipt or
credit-cardstatement

More than 2
years and lessthan or equal
to 3 years
More than 3
years and lessthan or equal
to 4 years
More than 4
years and lessthan or equal
to 5 years
More than 5
years

Reduction factor to be
applied to the value ofthe itemWith receipt
or creditcard
statement

Without
receipt or
credit-cardstatement

20%

30%

50%

40%

50%

f

You must keep any property which isdamaged, and if we ask, you must send it tous. (You will also need to pay any costs
involved in doing this.) If we pay a claim forthe property and it is then recovered or it hasa salvage value, it will become our property.

g

If you can recover all or part of the medical
expenses from other sources, we will only pay
you the amount that you cannot recover.

h

We pay all claims in Singapore dollars. If you
suffer a loss which is in a foreign currency,
we will convert the amount into Singapore
dollars at the exchange rate which we will
decide on the date of the loss.

14 What you need to provide when you
send us your claima

You or your legal representatives must supply
all information, reports, original invoices andreceipts, proof of ownership, evidence,
medical certificates, documents (such as atranslation of a foreign-language document
into English), confirmed by oath if necessary,
we may need before we assess your claim.
We may refuse to refund you for any expense
which you cannot provide original receipts or
invoices for.

b

You must give us your travel booking form,
invoice, e-ticket confirmation, boarding pass
Page 33 of 35

0%

50%
10%

and photocopy of passport as part of yourclaim to prove your travel.

15 Cancellations and refundsc

We can cancel the policy by providing seven days’
notice by post to the policyholder’s last-known
address. We will consider that the policyholder
has received this cancellation notice on the same
day if we deliver the notice by hand, fax or email.
The policyholder may cancel this policy by tellingus, and the cancellation will apply from the date
we receive the notice of cancellation. We will
refund the premium to the policyholder based on
the following calculation.
abPer-trip policy
Premium less $10 (subject to the prevailing
GST) administrative charge, i.e. $10.90 @ 9%
GST from 2024 onwards if the policy iscancelled before the start of your trip and aslong as there has been no claim made under
this policy. There will be no premium refund
if we receive the notice of cancellation after
the start date of the policy.
Yearly plan
Premium less $10 (subject to the prevailing
GST) administrative charge, i.e. $10.90 @ 9%
GST from 2024 onwards if the policy iscancelled before the start date of the policy
and as long as there has been no claim madeunder this policy. If we receive the notice ofcancellation within 180 days after the startdate of the policy and as long as there has
been no claim made under this policy, we will
work out the refund premium as follows.
Period of insurance (indays) still left to run
divided by the original
period of insurance ofthe policy

x85% of thepremiumpaid

We will not give any refund of premium if thepolicy has been in force for more than 180 days oronce there has been a claim made, whichevercomes first.

16 Ending the policy
The policy will end immediately when:a we cancel this policy under general condition
15;
PL/Travel/TravelShiok/202408

b

d
e

f

g

h

we (or our intermediary) do not receive
payment of premium in full on or before thestart date of the insurance, rendering the policy
invalid under general condition 6;
you have acted fraudulently under generalcondition 9;
you cancel this policy under general condition15;
we have made the final payment for any loss
under section 1, 2 and 9 or 100% of the benefit
under section 15.
the insured person no longer satisfies any of theeligibility requirements of this policy unless wehave agreed in writing to provide cover;before entering into the policy, you or the
insured person fails to reveal all facts you
and/or the insured person know or ought toknow which may affect this policy; or
we do not renew this policy (for yearly plansonly).

17 Excluding third party rights
A person or company who is not covered by thispolicy has no right under the Contracts (Rights ofThird Parties) Act 2001 to enforce this policy.

18 Having similar coverIf you have more than one travel policy from us forthe same trip, we will consider you to be insured
only under the policy which provides the highest
benefit level.

19 Checking your age
For the purpose of cover under this policy, we will
use your age at the start date of the period of
insurance and pay benefits accordingly.

20 Currency and interest
All dollar amounts shown in the policy andcertificate of insurance are shown in Singapore
dollars (S$). We will not pay interest under thispolicy.

21 Dealing with disputes
If the policyholder is not satisfied with our final
decision on your claim, the policyholder may refer
the case to the Financial Industry Disputes
Resolution Centre Ltd (FIDREC), an independent
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and impartial institution specializing in solving
disputes between financial institutions andconsumers.
Theirwebsiteaddressis:www.fidrec.com.sg

Feedback procedure

If the dispute cannot be referred to or dealt withby FIDREC, the dispute must be referred to anddecided using arbitration in Singapore in line with
the Arbitration Rules of the Singapore
International Arbitration Centre which apply atthat point of time. We will not be legally
responsible under your policy unless you have firstreceived an award under arbitration.

Making yourself heard

The information below is not legally binding and isjust for your information.

We are committed to providing you with an
exceptional level of service and customer care.
We realise that things can go wrong and there may
be times when you feel that we have not provided
the service you expected. When this happens, wewant to hear about it so that we can try to put
things right.

22 Prohibited persons
If you or any relevant person is found to be aprohibited person:ab

we are entitled not to accept your application;and
if any policy is issued, we are entitled to end
the policy, not pay any benefit or not allow any
transaction to be carried out under the policy.
We will not refund any unutilised premium
when the policy is ended.

Our decision in every respect of the above will befinal.

Please send your feedback to:www.income.com.sg/enquiry

Our promise to you
We will:• acknowledge your complaint promptly;• investigate quickly and thoroughly;• keep you informed of our progress; and• do everything possible to deal with your complaint

The policyholder or you will need to inform us
immediately if there is any change in any relevant
person’s identity, status or identity documents.

23 Governing law
Singapore law will apply to this policy.

Policy Owners’ Protection Scheme
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit
Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For
more information on the types of benefits that are covered under the scheme as well as the limits of coverage, whereapplicable, please contact Income Insurance or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg
or www.sdic.org.sg).
PL/Travel/TravelShiok/202408

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