TravelShiok
Get comprehensive coverage on your travels
and additional trip protection with Trust card.
TRAVEL INSURANCE

TravelShiok

Travel with confidence knowing you are well-protected with comprehensive
coverage from TravelShiok.
Key Benefits

1
2
3
4
5
6
7
8

Coverage for unused entertainment tickets booked using your
Trust card in case you are not able to attend due to unforeseen
circumstances
Purchase Protection for repairs1 due to accidental damage to
newly purchased items using your Trust card
Coverage for overseas medical expenses and emergency
medical evacuation
Coverage for trip cancellation, postponing of trip,
shortening of trip or trip disruption

Coverage for adventurous activities2

Opt for coverage for pre-existing medical conditions3 with
PreX Essential, PreX Advantage and PreX Ultimate plans
Available for purchase after departure from Singapore(only applicable to Per-trip plans)
Automatic extension in the event that you get delayed overseas
due to unforeseen circumstances4

TravelShiok

Coverage for unused entertainment tickets booked using your Trust card
Planned to spend a day at a theme park, or attend your favorite performances, concerts or
sport events overseas? TravelShiok covers the expense of pre-paid unused entertainment
tickets paid using your Trust card in the event of death, serious sickness or serious injury that
requires hospitalisation. It also covers for prepaid entertainment ticket that you cannot utilise
due to trip cancellation, shortening, disruption or postponement.

Purchase protection for repairs1 due to accidental damage to newly
purchased items using your Trust card
Ease your financial worries with coverage for repairs when there is accidental damage, occurred
overseas or in Singapore, for items purchased overseas using your Trust card within 30 days ofpurchase.

Coverage for pre-existing medical conditions3Pre-existing medical conditions3 include any known injury or sickness before you travel such as
diabetes, heart conditions and high blood pressure.
TravelShiok PreX Essential, PreX Advantage, PreX Ultimate plans offer coverage for all ages, fromthe young to the old. This includes coverage for children suffering from medical conditions suchas asthma and eczema, to adults with hypertension and even elderly diagnosed with diabetes.

TravelShiok

Coverage for adventurous activities2
Want to go for an adventure filled travel but worried about the safety of you and your loved
ones? We provide coverage if you partake in activities for leisure2 including:• Water activities such as scuba diving5, paddleboarding and white water rafting• Winter activities such as skiing, snowboarding and snowmobiling• Air activities such as bungee jumping, skydiving, paragliding and abseiling• Other outdoor activities such as hiking, trekking6, motorcycling, riding the hot air balloon andmore!

Post-departure purchase
We know that life happens, and the intent to purchase travel insurance may slip your mind. With
TrustShiok, you can purchase it even at the last minute - within a day after you have departed
Singapore (only applicable to Per-trip plans).
This allows you to stay protected with post-departure benefits7, such as medical expenses
overseas and emergency medical evacuation, so that you can continue your travels withcomplete peace of mind.

TravelShiok

Travel companions with pre-existing medical conditions
Travelling with family and friends are always worth looking forward to but what if you have tocancel your trip due to a relapse of their pre-existing medical condition?
You can either continue with the planned holiday without them or stay
in town so you can look after and nurse them back to pink ofhealth. If you choose to be with them by cancelling your trip,
PreX Advantage and PreX Ultimate plans provide you with thebenefit for such unforeseen events.
Case Study:
Mr Tan and his parents, Grandpa Tan and Grandma Tan have planned for a trip to Japan and paid
$5,000 each for their flight and accommodation. They have also purchased TravelShiok for thistrip. One week before the trip, Grandpa Tan suffered a heart attack due to hypertension andwas hospitalised in the ICU. For Grandpa Tan’s safety, the trip was cancelled.
PreX Advantage for Grandpa Tan andAdvantage for Mr Tan and Grandma Tan

With 3 individual PreX Advantage plans

Flight and accommodation cost $5,000 per person

Flight and accommodation cost $5,000 per person

Amount that Grandpa Tan can claim after
deducting the 50% co-payment8:
Amount that Mr Tan and Grandma Tan canclaim:
Total amount that Income pays:½ x $5,000
Amount that Mr Tan, Grandpa Tan and= $2,500 VS Grandma Tan can claim after deducting the
50% co-payment8:$0$2,500Total amount that Income pays:½ x $5,000= $2,500
each$7,500

The amount claimable under this benefit is subject to terms and conditions stated in the policy
conditions. The figures used in this example are for illustrative purpose only.

TravelShiok

Get the right plan if you have pre-existing medical conditions3 to ensure
you are adequately covered
Choose from PreX Essential, PreX Advantage and PreX Ultimate plans if you have pre-existing
medical conditions3. For added coverage other than medical benefits, opt for PreX Adventage
and PreX Ultimate plans which covers you in the event where you have to make changes orcancel your holiday plans due to your pre-existing medical conditions.
Coverage due to pre-existing medical conditions
Travel Inconvenience Benefits
Cancelling your trip
Postponing your trip
Shortening your trip
Trip disruption
Personal Accident and Medical Expenses Benefits
Overseas hospital allowance
Compassionate visit
Medical expenses overseas
Treatment by a Chinese medicine practitioner or a chiropractor
Emergency medical evacuation
Sending you home
Other Benefits
Emergency phone charges
LegendCover claims not due to pre-existing medical conditions
Cover claims due to pre-existing medical conditions

PreX
Essential

PreX
Advantage

PreX
Ultimate

TravelShiok

Coverage for Standard Plans
The standard plans, Essential, Advantage and Ultimate plans do not cover pre-existing medical
conditions. For coverage on pre-existing medical conditions, please check out the PreX plans.
Maximum benefit (S$) for each trip
Essential
Per insured
personFamilytotal^

Advantage
Per insured
personUltimate

Familytotal^Per insured
personFamilytotal^

Travel Inconvenience Benefits
Section Cancelling your trip
1Overall section limit

5,000

15,00010,00030,00015,00045,000Section Postponing your trip
2Overall section limit

3,000

9,000

4,000

12,0005,000

15,000Section Shortening your trip
3
Overall section limit

5,000

Limit for extra expenses toreturn to Singapore
Section Trip disruption
4
Overall section limit
Limit for accommodation
expenses per room per night
Section Unused entertainment
5
tickets booked using Trust
card
Section Travel delay
6
Overall section limit

1,000

3,000
400

500

15,000

9,000

1,500

1,000

10,000
2,000

4,000
400

750

30,00012,000

2,250

1,500

15,000
3,000

5,000
400

1,000

45,00015,000

3,000

2,000

For every six hours of delay
while overseas
1. Adult

100

2. Child

50

2,000

100
50

3,000

100
50

4,000

After six hours of delay while
in Singapore
1. Adult

150

150

150

2. Child

50

50

50

Section Missed connections
7

100

1,000

200

2,000

500

5,000

Section Overbooked public transport
8

150

1,500

300

3,000

750

7,500

12,5005,000

25,0007,500

Section If the travel agency becomes9
insolvent^Overall section limit

2,500

Limit for deposits paid using
Trust card

2,500

Limit for deposits paid using
other methods

1,000

5,000

2,000

7,500
37,5003,000

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

TravelShiok

Coverage for Standard Plans (continued from previous page)
Maximum benefit (S$) for each trip
Essential
Per insured
personAdvantage

Familytotal^Per insured
personFamilytotal^

Ultimate
Per insured
personFamilytotal^

Travel Inconvenience Benefits
Section Baggage delay
10
Overall section limit

1,000

1,200

2,000

For every six hours of delay
while overseas
1. Adult

200

2. Child

50

2,000

200
50

2,400

200
50

4,000

Baggage delay after six hours
when arriving in Singapore
1. Adult

200

200

200

2. Child

50

50

50

Overall section limit

3,000

5,000

8,000

Section Loss or damage of baggage
11
and personal belongings
Limit for laptop

1,000

Limit for watches, jewellery or
valuables in total

200

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

Section Purchase protection
12

7,500

1,000
500

12,500

500

1,000
750

20,000

500

1,000

2,500

2,000

5,000

3,000

7,500

250

450

350

600

500

800

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

100

125

150

Limit for fraudulent use ofTrust card

100

100

100

Section Losing travel documents
14
Overall section limit
Limit for accommodation
expenses per room per night

^

5,000
400

12,5007,500
400

18,75010,000400

25,000

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

TravelShiok

Coverage for Standard Plans (continued from previous page)
Maximum benefit (S$) for each trip
Essential
Per insured
personAdvantage

Familytotal^Per insured
personFamilytotal^

Ultimate
Per insured
personFamilytotal^

Travel Inconvenience Benefits
Section Personal accident
15
1. Adult 70 years old or over

100,000

2. Adult under 70 years old

150,000

3. Child

75,000100,000

125,000NA

250,000

400,000

600,000

125,000

800,000

200,000

200,000
500,000

1,500,000

orPublic transport double
cover for accidental death
1. Adult 70 years old or over
2. Adult under 70 years old

NA

3. Child

NANA

400,000

1,600,000

200,000

Scale of compensation

1,000,000

3,000,000

250,000

Percentage of benefit limita. Accidental death100%

b. Permanent total disability

100%c. Losing two or more limbs

100%

d. Losing sight in both eyes

100%

e. Losing one limb

50%

f. Losing sight in one eye

50%

g. Losing speech

50%h. Losing hearing

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

Section Medical expenses overseas
16
Overall section limit
1. Adult 70 years old or over(combined for sections 16,
20 and 21)

300,000

300,000
1,250,000

350,000
2,000,000

3,500,000

2. Adult under 70 years old

250,000

500,000

1,000,000

3. Child

150,000

200,000

300,000

500

1,000

1,500

Limit for medical aids andequipment
Section Medical expenses in
17
Singapore (for accidents
while overseas and follow-up
treatment)
Overall section limit

1,000

1. Adult 70 years old or over

12,5002,000

2. Adult under 70 years old

10,00015,00025,000

500

1,000

1,500

60,00025,0005,000
100,000

50,000200,000

3. Child
Limit for medical aids andequipment^

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

TravelShiok

Coverage for Standard Plans (continued from previous page)
Maximum benefit (S$) for each trip
Essential
Per insured
personFamilytotal^

Advantage
Per insured
personUltimate

Familytotal^Per insured
personFamilytotal^

1,500

1,000

3,000

Travel Inconvenience Benefits
Section Treatment by a Chinese
18
medicine practitioner or achiropractor
Overall section limit

300

Limit per visit

50

Section Overseas hospital allowance
19
Overall section limit
Benefit per day

15,000

1,000

500
75

45,000100

30,000100
90,000200

60,000180,000

200

Section Emergency medical
20
evacuation
Overall section limit
1. Adult 70 years old or overSee limit
under
section 16

1,250,000

See limit
under
section 16

1,500,000

See limit
under
section 16

2. Adult under 70 years old

Unlimited

Unlimited

Unlimited

3. Child

Unlimited

Unlimited

Unlimited

2,000,000

Section Sending you home21
Overall section limit
1. Adult 70 years old or over

1,250,000

See limit
under
section 16

1,500,000

See limit
under
section 16

2. Adult under 70 years old

Unlimited

Unlimited

Unlimited

3. Child

Unlimited

Unlimited

Unlimited

Section Compassionate visit
22
Overall section limit
Limit for accommodation
expenses per room per night^

See limit
under
section 16

7,500
400

22,50015,000400

45,00020,000400

2,000,000

60,000

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

TravelShiok

Coverage for Standard Plans (continued from previous page)
Maximum benefit (S$) for each trip
Essential
Per insured
personAdvantage

Familytotal^

Ultimate

Per insured
personFamilytotal^Per insured
personFamilytotal^

10,00030,00015,00045,000

Other Benefits
Section Kidnap and hostage
23
Overall section limit
Every 24 hours

5,000
200

Section Emergency phone charges
24
Overall section limit

200

Section Home cover25
Overall section limit

5,000

Limit per item
(for each item, set or pair)

15,000

1,000

500
600

5,000

300
10,000
1,000

750
900

10,000500
20,000
1,000

1,500

20,000Section Personal liability
26

500,000

500,000

1,000,000

1,000,000

1,000,000

1,000,000

Section Rental vehicle excess cover
27

2,000

2,000

2,500

2,500

3,000

3,000

1. Adult 70 years old or over

100,000

600,000

125,000

800,000

200,000

1,500,000

2. Adult under 70 years old

150,000

200,000

500,000

3. Child

75,000100,000

125,000

Section Full terrorism cover
28(for sections 1 to 27)^

Section COVID-19 cover extension
29(for sections 1 to 27 except
section 17)

See limits of respective sections that apply

Section Post-departure purchase30
extension (for sections 3 to
29 except section 9)

See limits of respective sections that apply

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

TravelShiok

Coverage for PreX Plans
Maximum benefit (S$) for each trip
PreX Essential
Per insured
personFamilytotal^PreX Advantage
Per insured
personFamilytotal^PreX Ultimate
Per insured
personFamilytotal^

Travel Inconvenience Benefits
Section Cancelling your trip
1Overall section limit
Co-payment for claims due topre-existing medical conditions
Section Postponing your trip
2Overall section limit
Co-payment for claims due topre-existing medical conditions
Section Shortening your trip
3
Overall section limit

5,000
NA

#

3,000
NA

#

15,000

9,000

5,000

10,000
50%

4,000
50%

30,00012,00010,000

50%

5,000
50%

1,000

Co-payment for claims due topre-existing medical conditions

NA#

50%

50%

3,000

4,000

5,000

Section Trip disruption
4
Overall section limit
Limit for accommodation
expenses per room per night400

Co-payment for claims due topre-existing medical conditions

NA#

Section Unused entertainment
5
tickets booked using Trust
card
Section Travel delay
6
Overall section limit

500

9,000

400

30,00012,000

50%

1,500

1,000

750

45,00015,00015,000Limit for extra expenses toreturn to Singapore

15,0002,000

15,0003,000

400

45,00015,000

50%

2,250

1,500

1,000

3,000

2,000

For every six hours of delay
while overseas
1. Adult

100

2. Child

50

2,000

100
50

3,000

100
50

4,000

After six hours of delay while
in Singapore
1. Adult

150

150

150

2. Child

50

Section Missed connections
7

100

1,000

200

50
2,000

500

50
5,000

Section Overbooked public transport
8

150

1,500

300

3,000

750

7,500

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

Coverage for PreX Plans (continued from previous page)
Maximum benefit (S$) for each trip
PreX Essential
Per insured
personFamilytotal^PreX Advantage
Per insured
personFamilytotal^PreX Ultimate
Per insured
personFamilytotal^

Travel Inconvenience Benefits
Section If the travel agency becomes9
insolventOverall section limit

2,500

5,000
12,500Limit for deposits paid using
Trust card

2,500

Limit for deposits paid using
other methods

1,000

2,000

3,000

1,000

1,200

2,000

Section Baggage delay
10
Overall section limit

5,000

7,500
25,0007,500

37,500For every six hours of delay
while overseas
1. Adult

200

2. Child

50

2,000

200
50

2,400

200
50

4,000

Baggage delay after six hours
when arriving in Singapore
1. Adult

200

200

200

2. Child

50

50

50

Section Loss or damage of baggage
11
and personal belongings
Overall section limit

3,000

5,000

8,000

Limit for laptop

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 Purchase protection
12

7,500

500

12,500

500

1,000

2,500

450

750

20,000

500

2,000

5,000

350

600

3,000

7,500

500

800

Section Losing money (Including
13
fraudulent use of Trust card)
Overall section limit
1. Adult

250

2. Child

100

125

150

Limit for fraudulent use ofTrust card

100

100

100

Section Losing travel documents
14
Overall section limit
Limit for accommodation
expenses per room per night

^

5,000
400

12,5007,500
400

18,75010,000400

25,000

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

TravelShiok

Coverage for PreX Plans (continued from previous page)
Maximum benefit (S$) for each trip
PreX Essential
Per insured
personFamilytotal^PreX Advantage
Per insured
personFamilytotal^PreX Ultimate
Per insured
personFamilytotal^

Travel Inconvenience Benefits
Section Personal accident
15
1. Adult 70 years old or over

100,000

2. Adult under 70 years old

150,000

3. Child

75,000100,000

125,000NA

250,000

400,000

600,000

125,000

800,000

200,000

200,000
500,000

1,500,000

orPublic transport double
cover for accidental death
1. Adult 70 years old or over
2. Adult under 70 years old

NA

3. Child

NANA

400,000

1,600,000

200,000

Scale of compensation

1,000,000

3,000,000

250,000

Percentage of benefit limita. Accidental death100%

b. Permanent total disability

100%c. Losing two or more limbs

100%

d. Losing sight in both eyes

100%

e. Losing one limb

50%

f. Losing sight in one eye

50%

g. Losing speech

50%h. Losing hearing

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

Section Medical expenses overseas
16
Overall section limit
1. Adult 70 years old or over(combined for sections 16,
20 and 21)

300,000

300,000

350,000

2. Adult under 70 years old

250,000

500,000

1,000,000

3. Child

150,000

200,000

300,000

Limit for medical aids andequipment

500

1,250,000

1,000

2,000,000

1,500

3,500,000

Limit for claims due to preexisting medical conditions(combined for sections 16, 20
and 21)^

1. Adult 70 years old or over

100,000

100,000

200,000

2. Adult under 70 years old

150,000

150,000

300,000

3. Child

100,000

100,000

200,000

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

TravelShiok

Coverage for PreX Plans (continued from previous page)
Maximum benefit (S$) for each trip
PreX Essential
Per insured
personFamilytotal^PreX Advantage
Per insured
personPreX Ultimate

Familytotal^Per insured
person100,000

50,000

Familytotal^

Travel Inconvenience Benefits
Section Medical expenses in
17
Singapore (for accidents
while overseas and follow-up
treatment)
Overall section limit

1,000

1. Adult 70 years old or over

12,5002,000

2. Adult under 70 years old

10,00015,00025,000

500

1,000

1,500

300

500

1,000

60,00025,0005,000
200,000

3. Child
Limit for medical aids andequipment
Section Treatment by a Chinese
18
medicine practitioner or achiropractor
Overall section limit
Limit per visit

50

Limit for claims due to preexisting medical conditions

300

500

1,000

Limit per visit for claims due topre-existing medical conditions

50

75

100

60,000Section Overseas hospital allowance
19
Overall section limit

1,000

75

1,500

100

15,00030,000Benefit per day

100

200

Limit for claims due to preexisting medical conditions

NA

Benefit per day if due to preexisting medical conditions

NA#

100

100

1. Adult 70 years old or overSee limit
under
section 16

See limit
under
section 16

See limit
under
section 16

2. Adult under 70 years old

Unlimited

3. Child

Unlimited

Unlimited

Unlimited

See limit
under
section 16

See limit
under
section 16

See limit
under
section 16#

45,000

4,500

3,000

200
90,0006,000

180,000

Section Emergency medical
20
evacuation
Overall section limit

1,250,000

Unlimited

1,500,000

Unlimited

2,000,000

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

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

Coverage for PreX Plans (continued from previous page)
Maximum benefit (S$) for each trip
PreX Essential
Per insured
personFamilytotal^PreX Advantage
Per insured
personFamilytotal^PreX Ultimate
Per insured
personFamilytotal^

Travel Inconvenience Benefits
Section Sending you home21
Overall section limit
1. Adult 70 years old or overSee limit
under
section 16

2. Adult under 70 years old

Unlimited

3. Child

Unlimited

See limit
under
section 16
1,250,000

Unlimited
Unlimited

See limit
under
section 16
1,500,000

Unlimited
Unlimited

2,000,000

Limit for claims due to preexisting medical conditions
1. Adult 70 years old or over
2. Adult under 70 years old
3. Child
Section Compassionate visit
22
Overall section limit

See limit
under
section 16

See limit
under
section 16

See limit
under
section 16
20,0007,500

15,000Limit for accommodation
expenses per room per night

400

400

Limit for claims due to preexisting medical conditions

NA#

22,50015,00045,000400

60,00020,000

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

Coverage for PreX Plans (continued from previous page)
Maximum benefit (S$) for each trip
PreX Essential
Per insured
personFamilytotal^PreX Advantage

PreX Ultimate

Per insured
personFamilytotal^Per insured
personFamilytotal^

10,00030,00015,00045,000

Other Benefits
Section Kidnap and hostage
23
Overall section limit
Every 24 hours
Section Emergency phone charges
24
Overall section limit
Limit for claims due to preexisting medical conditions
Section Home cover25
Overall section limit
Limit per item
(for each item, set or pair)

5,000

15,000

200
200
200

5,000
1,000

500

600

5,000

300
300

10,000
1,000

750

900

10,000500
500

20,000
1,000

1,500

20,000Section Personal liability
26

500,000

500,000

1,000,000

1,000,000

1,000,000

1,000,000

Section Rental vehicle excess cover
27

2,000

2,000

2,500

2,500

3,000

3,000

1. Adult 70 years old or over

100,000

600,000

125,000

800,000

200,000

1,500,000

2. Adult under 70 years old

150,000

3. Child

75,000Section Full terrorism cover
28(for sections 1 to 27)^

200,000

500,000

100,000

125,000

Section COVID-19 cover extension
29(for sections 1 to 27 except
section 17)

See limits of respective sections that apply

Section Post-departure purchase30
extension (for sections 3 to
29 except section 9)

See limits of respective sections that apply

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

TravelShiok

IMPORTANT NOTES
1

We will only reimburse the repair costs of the newly purchased items. We will not pay a cash equivalent for items that are lostor damaged beyond economic repair.

2This policy does not cover claims for loss or liability directly or indirectly caused by or arising from extreme sports which
involve speed, height, danger, a high level of physical exertion, highly specialised gear or spectacular stunts, whether they areplayed competitively or noncompetitively, in a team or individually.
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 and which:- is undertaken while complying with all safety procedures, such as wearing safety equipment and following rules andregulations; whether specifically advised or generally expected of a reasonable person,- where guidance and supervision of licensed guides or instructors are available, the recreational activity must be carried out
under the guidance and supervision of licensed guides or instructors of the tour operator or activity provider, and- is not excluded under the general exclusions listed in part 5 of the general conditions of the policy.

3

We do not cover claims arising from a pre-existing medical condition where you have been given a terminal prognosis witha life expectancy of under 12 months. Please refer to policy conditions for the precise definition of pre-existing medical
conditions.

4Your coverage period will be automatically extended at no extra cost for the first 14 days while you are overseas if you are:- unable to return before the policy expires due to the delay of the public transport that you are travelling on, and the delay
is not caused by you, or,- hospitalised as advised by a medical practitioner.

5

This policy provides cover for scuba diving if it is done for leisure purposes and:- you hold a PADI certification (or similar recognised qualification) and are diving with 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 as shown under your PADI certification (or similar recognised qualification) but no deeper
than 30 metres.

6

This policy provides cover for trekking if it is done for leisure purposes and you are trekking below 4,000 metres, and as longas the trekking you are taking part in is:- in a place which is open to the general public without restriction;- organised by a recognised commercial local tour operator or activity provider; or- under the guidance and supervision of licensed guides or instructors of the tour operator or activity provider and you wear
the recommended safety equipment and follow the safety procedures, rules and regulations of the licensed guides or
instructors.

7

We do not cover claims:- arising from, related to, or taking place on, the transport or vehicle you take before or while you bought this policy; and- that result from any known event; and- from losses that occurred before you bought this policy.

8

For trip cancellation and trip shortening under PreX Advantage and PreX Ultimate plans, 50% co-payment will apply for claims
due to pre-existing medical conditions.

TravelShiok

IMPORTANT NOTES
TravelShiok is underwritten and issued by Income Insurance Limited.
This is for general information and does not constitute an offer, recommendation, solicitation or advice to buy or sell any
product(s). Please seek independent financial advice before making any decision. You can find the usual terms, conditions andexclusions of this plan at income.com.sg/travelshiok-policy-conditions.pdf
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 thetypes of benefits that are covered under the scheme as well as the limits of coverage where applicable, 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).
Information is correct as at 15 August 2024.
Protected by copyright and owned by Income Insurance Limited.

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About Income Insurance
Income Insurance Limited (Income Insurance) is one of the leading composite insurers in Singapore,
offering life, health and general insurance. Established in Singapore to plug a social need for insurance
in 1970, Income Insurance continues to put people first by serving the protection, savings andinvestment needs of individuals, families and businesses today. Its lifestyle-centric and data-driven
approach to insurance and financial planning puts the company at the forefront of innovative solutions
that empowers the people it serves with better financial well-being.
For more information, please visit income.com.sg

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Income Insurance Limited

UEN: 202135698W
Income Centre
75 Bras Basah Road Singapore 189557
Tel: 6788 1777
Fax: 6338 1500
Enquiries: income.com.sg/enquiry