Chubb Scoot Protect Policy Wording
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Chubb Scoot™ Protect
Chubb Scoot™ Protect
Policy Wording
© 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos,
1 and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018.Chubb Scoot™ Protect
Benefit Schedule
Benefit Coverage Return Journey One Way Journey
SGD SGD
1. Personal Accident
– For Insured Person between 18 years old to 70 years old 100,000 100,000
– For Insured Person above 70 years old 50,000 50,000
– For Insured Person between 8 days old to 17 years old 10,000 10,000
2. Medical Expenses due to Accident & Sickness
Max S$750.00 for Traditional Chinese Medicine Expenses
– For Insured Person between 18 years old to 70 years old Up to 50,000 Not Applicable
– For Insured Person above 70 years old Up to 25,000 Not Applicable
– For Insured Person between 8 days old to 17 years old Up to 10,000 Not Applicable
3. Continuation of Medical Treatment After Return to Singapore
Max S$750.00 for Traditional Chinese Medicine Expenses
– For Insured Person between 18 years old to 70 years old Up to 5,000 Not Applicable
– For Insured Person above 70 years old Up to 2,500 Not Applicable
– For Insured Person between 8 days old to 17 years old Up to 1,000 Not Applicable
4. Emergency Dental Expenses due to Accident Up to 50,000 Not Applicable
5. Daily Hospital In-Patient Income
4,000 Not Applicable
Amount per 24 hours - $200 per day
6. Medical Evacuation and Repatriation Up to 20,000 Not Applicable
7. Repatriation of Mortal Remains Up to 20,000 Not Applicable
8. Compassionate Allowance 2,000 Not Applicable
9. Loss of Luggage & Personal Effects
Up to 2,000 2,000
– Max $500 per Article or set of Article
10. Loss of Travel Documents
Up to 1,000 1,000
– Max $300 for Money
11. Checked-In Luggage Delay
800 800
– $200 per 6 consecutive hours
12. Travel Delay
600 600
– $150 per 6 consecutive hours
13. Travel Misconnection
600 600
– $100 per 6 consecutive hours
14. Hijack Inconvenience 1,000 Not Applicable
– $100 per 6 consecutive hours
15. Flight Cancellation Up to Flight Cost Up to Flight Cost
16. Flight Curtailment Up to Flight Cost Not Applicable
17. Personal Liability Up to 350,000 Not Applicable
18. Terrorism Extension Yes Yes
19. Automatic Extension of Policy period:
– Due to overseas hospital confinement 30 days 30 days
– Due to Public Transport delay or Critical Medical Condition 7 days 7 days
20. 24 - Hours Travel Assistance Included Not Applicable
21. 24 - Hours Medical Assistance Included Not Applicable
© 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos,
2 and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018.Chubb Scoot™ Protect
Part 1. Interpretation of the country in which such practice is Effective Date means the effective date
maintained. stated in the Certificate of Insurance.
Definitions
Chinese Physician shall not include the Family Member means an Insured
In this Policy, unless otherwise defined
Insured Persons or any of their relatives Person’s Partner, parent, parent-in-law,
or the context otherwise requires:
unless otherwise approved by the grandparent, child, brother or sister.
Accident means a sudden unforeseen Company.
Financial Default means the complete
and fortuitous event and Accidental
Civil Commotion means a disturbance, suspension of operations due to
shall have a corresponding meaning.
commotion or disorder created by financial circumstances whether or not
Act of Terrorism means any actual or civilians usually against a governing bankruptcy petition is filed; or partial
threatened use of force or violence body or the policies thereof. suspension of operations following a
directed at or causing damage, injury, filing of a bankruptcy petition.
Confined or Confinement means
harm or disruption, or commission
Confinement in Hospital for at least a Hospital means a legally constituted
of an act dangerous to human life
Day as a Resident in-Patient (other than establishment operated pursuant to the
or property, against any individual,
for day surgery) upon the advice of and laws of the country in which it is based,
property or government, which the
under the regular care and attendance which holds a license as a hospital (if
stated or unstated objective of pursuing
of a Physician and for this purpose, licensing is required in the state or
economic, ethnic, nationalistic,
Day shall mean a period for which the government jurisdiction) and meets the
political, racial or religious interests,
Hospital charges for room and board. following requirements:
whether such interests are declared
or not. Robberies or other criminal Covered Locations means Brunei, (i) operates primarily for the
acts, primarily committed for personal Cambodia, Indonesia, Laos, Malaysia, reception, care and medicare and
gain and acts arising primarily from Myanmar, Philippines, Thailand, treatment of sick, ailing or injured
prior personal relationships between Vietnam, Australia, New Zealand, persons as in-patients;
perpetrator(s) and victim(s) shall not China, Taiwan, Hong Kong, Macau,
be considered Act of Terrorism. Act Mongolia, Japan, Korea, India, Saudi (ii) provides full-time nursing service
of Terrorism shall also include any Arabia, Sri Lanka and Timor-Leste. by and under the supervision of a
act, which is verified or recognized by staff of Nurses;
Dental Expenses means reasonable
the (relevant) government as an act of
and necessary charges for dental (iii) has a staff of one or more
terrorism.
treatment, carried out by a Dentist, Physicians available at all times;
Benefit means the respective benefit, medically necessary to treat the Insured (iv) maintains organized facilities
as stated in the Certificate of Insurance, Person’s condition, including charges for the medical diagnosis and
payable by the Company under the for medical supplies or services, not treatment of such persons, and
terms and conditions of this Policy in exceeding the usual level of charges provides (where appropriate)
respect of each event or loss covered by for similar treatment, supplies or facilities for major surgery within
this Policy. medical services in the locality where the confines of the establishment
Bodily Injury means injury sustained the expense is incurred and does not or in facilities controlled by the
by an Insured Person resulting solely, include charges that would not have
established; and
directly and independently of all other been made if no insurance existed.
causes from an Accident and caused by (v) is not primarily a clinic, nursing,
Dentist means a legally licensed dentist
external, violent and rest or convalescent home or
or dental surgeon duly registered
visible means. similar establishment and is other
and practicing within the scope of
than a place for alcoholics or drug
Certificate of Insurance means his license pursuant to the laws of
addicts.
the Certificate of Insurance which is the country in which such practice is
incorporated and forms part of this maintained. Dentist shall not include and Hospital shall not include the
Policy. the Insured Person or any of their following: -
relatives unless otherwise approved by
Chinese Physician means a legally (a) a mental institution; an
the Company.
licensed Traditional Chinese Medicine institution confined primarily
practitioner (including a Chinese Destination means the Covered to the treatment of psychiatric
acupuncturist or bonesetter) duly Locations stated in NokScoot Travel disease including sub-normally;
registered and practicing within the Itinerary for the Insured Person’s the psychiatric department of a
scope of his license pursuant to the laws Journey. hospital.
© 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos,
and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018. 3Chubb Scoot™ Protect
(b) a place for the aged; a rest Singapore on a Scheduled Flight to a maintained. Physician shall not include
home; a place for drug addicts Destination, and shall commence three the Insured Persons or any of their
or alcoholics. (3) hours prior to the departure of the relatives unless otherwise approved by
Scheduled Flight and terminate three the Company.
(c) a health hydro or nature
(3) hours after the actual arrival of the
cure clinic; a special unit of Policy means this Policy Wording and
Scheduled Flight at the Destination.
a hospital used primarily Certificate of Insurance describing
as a place for drug addicts Partner means spouse or de-facto with the insurance contract between the
or alcoholics, or nursing, whom the Insured Person has been Company and the Insured Person.
convalescent, rehabilitation, living permanently with at least three
extended-care facility or rest (3) months or more at the time of Bodily Policy Wording means this document.
home. Injury or Sickness. Pre-existing Condition means any
Insured Person(s) means the person(s) Period of Insurance means the period condition which:
named in the Certificate of Insurance during which the coverage under this
(i) the Insured Person received
who is at least eight (8) days old on the Policy is effective, as stated in the
medical treatment, diagnosis,
Effective Date. Certificate of Insurance.
consultation or prescribed drugs
Journey means a One Way Journey or a Permanent Disablement means within a twelve (12) month period
Return Journey. disablement that results solely, directly preceding the commencement of a
and independently of all other causes Journey, or
Loss of Limb means total functional from Bodily Injury and which occurs
disablement or loss by complete and within one hundred and eighty (180) (ii) medical advice or treatment was
permanent physical severance of a consecutive days of the Accident in recommended by a Physician
hand at or above the wrist or a foot at which Bodily Injury was sustained, and: within a twelve (12) month period
or above the ankle. preceding the commencement of a
(i) falls into one of the categories listed
Loss of Sight means the entire and Journey, or
in the Table of Benefits in Section 1
permanent loss of all sight in any eye of Part 5; or (iii) a reasonable person in the
rendering the Insured Person absolutely circumstances would be expected
blind in that eye and beyond remedy by (ii) is a disablement which, having
to be aware of within a twelve
surgical or other treatment. lasted for a continuous and
(12) month period preceding the
uninterrupted period of at least
Loss of Speech and Hearing means commencement of a Journey.
twelve (12) consecutive months, is
total and irrecoverable loss of speech at the expiry of that period, beyond Public Conveyance means any land
and hearing which is beyond remedy by hope of improvement. or sea conveyance operated under a
surgical or other treatment. license for the transportation of fare
Permanent Total Disablement
Medical Expenses means Usual, means disablement that results solely, paying passengers, and which has fixed
Reasonable and Customary Medical directly or independently of all other and established routes only.
Expenses necessarily and reasonably causes from Bodily Injury and which Resident In-patient means an
incurred in the medical or surgical occurs within one hundred eighty
Insured Person whose Confinement is
treatment of Bodily Injury or Sickness (180) days of the Accident in which
as a resident bed patient and whose
covered by this Policy. such Bodily Injury was sustained,
confinement is due to Bodily Injury and
which, having lasted for a continuous
NokScoot Travel Itinerary means the is covered by this Policy and not merely
and uninterrupted period of at least
travel itinerary issued to the Insured for any form of nursing, convalescence,
twelve (12) consecutive months, will,
Person when he booked his Scheduled rehabilitation, rest or extended-care.
in all probability, entirely prevent the
Flight, which evidence payment of
Insured Person from engaging in gainful Return Journey means a return trip
NokScoot premium for travel insurance
employment of any and every kind made by the Insured Person from
under this Policy.
for the remainder of his life and from Singapore on a Scheduled Flight, to
Nurse means any qualified or trainee which there is no hope of improvement. a Destination, and back, and shall
nurse or general nurse duly registered commence three (3) hours prior to
Physician means a legally licensed
pursuant to the laws of the country in
physician or surgeon duly registered the departure of Scheduled Flight and
which the nurse is employed.
and practicing within the scope of terminate three (3) hours after the
One Way Journey means a one way his license pursuant to the laws of actual arrival of the Scheduled Flight in
trip made by the Insured Person from the country in which such practice is Singapore.
© 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos,
4 and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018.Chubb Scoot™ Protect
Riot means the act of any person that would not have been made if no (c) the Insured Person being Confined
taking part together with others in insurance existed. in a Hospital outside of Singapore
any disturbance of the public peace at the expiry of the Period of
(whether in connection with a strike Part 2. Scope And Limits Of Insurance,
or lock-out or not) or the action of any Cover And Benefits the Period of Insurance shall
lawfully constituted governmental
Section 1 – Commencement Of automatically be extended without
authority in suppressing or attempting
Coverage premium up to seven (7) days for event
to suppress any such disturbance or in
(a) and (b) and up to thirty(30) days for
minimizing the consequences of such Coverage under Section 15 of Part
disturbance. event (c).
5 – Flight Cancellation is effective
Scheduled Flight means the NokScoot upon the issuance of the Certificate
of Insurance and terminates on Part 3. General Exclusions
flight and/or NokScoot Affiliated flight
which corresponds to the flight details commencement of the planned This Policy does not cover, and the
set out in the Insured Person’s NokScoot Journey from Singapore. Company will not in any event be
Travel Itinerary. For all other sections, insurance liable to pay any Benefits or indemnify
commences upon commencement of a the Insured Person in respect of, any
Scoot Affiliated means the non-Scoot
Journey. loss which is, directly or indirectly,
flight provider shown in the Insured
Person’s NokScoot Travel Itinerary. caused by, a consequence of, arises in
Section 2 – Limits Of Coverage connection with or is contributed to by
Sickness means physical condition Any cover under this Policy in respect any of the following:
marked by a pathological deviation of an Insured Person shall terminate on
from the normal healthy state as 1. Declared or undeclared war or any
the earliest of the following events:
verified by a Physician. act of war, invasion, foreign enemy,
(i) Upon the expiry of any Period of civil war, rebellion, revolution,
Specially Designated List means Insurance; insurrection, military or usurped
names of a person, entities, groups, power.
corporate specified on a list who are (ii) Upon the death of the Insured
subject to trade or economic sanctions Person; 2. Loss, destruction or damage to
or other such similar laws or regulations (iii) With respect to Return Journey any property whatsoever or any
of the United States of America, cover, 46 days after the scheduled loss or expense whatsoever arising
Australia, United Nations, European departure date of the Scheduled there from or any consequential
Union or United Kingdom. Flight. loss directly or indirectly caused
or contributed by or arising
Strike means the willful act of any Section 3 – Policy Extension from ionizing radiations or
striker or locked-out worker done
In the event that the Insured Person, contamination by radio-activity
in furtherance of a strike or in
as a ticket holding passenger on a from any nuclear fuel or from any
resistance to a lock-out; or the action
scheduled Public Conveyance, being nuclear waste from the combustion
of any lawfully constituted authority
prevented from completing the return of nuclear fuel.
in preventing or attempting to prevent
any such act in minimizing the leg of a Journey within the Period of
3. Any willful or intentional acts of
consequences of any such act. Insurance, as a result of:
the Insured Person whether sane
Traditional Chinese Medicine (a) the Insured Person’s Critical or insane, self-inflicted injury,
Expenses means the reasonable Medical Condition (as defined in suicide pacts or agreements or
expenses for treatments of Bodily Injury Part 6, Section 6); or any attempts thereat, provoked
or Sickness by a Chinese Physician. homicide or assault.
(b) the scheduled Public Conveyance
Usual, Reasonable and Customary in which the Insured Person 4. The Insured Person acting as a law
Medical Expenses means charges for is traveling being unavoidably enforcement officer, emergency
treatment, supplies or medical services delayed due to Strike or industrial medical or fire service personnel,
medically necessary to treat the Insured actions, adverse weather conditions civil defense personnel or military
Person’s condition, does not exceed or mechanical breakdown/ personnel of any country or
the usual level of charges for similar derangement of the Public international authority, whether
treatment, supplies or medical services Conveyance or due to grounding of full-time service or as a volunteer,
in the locality where the expense is an aircraft as a result of mechanical other than for reservist training
incurred and does not include charges or structural defect; or under the Section 14 of the
© 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos,
and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018. 5Chubb Scoot™ Protect
Enlistment Act (Cap. 93). intended Strike, Riot or Civil commenced prior to the issuance of
Commotion through or by general the travel advice.
5. The Insured Person engaging in,
mass media.
practicing for or taking part in
training in any speed contest or 13. Any loss or expenses with Part 4. General Conditions
racing (other than on foot) and any respect to any applicable trade 1. Payment Before Cover Warranty
professional competition or sports. and economic sanction, law or
It is hereby agreed and declared
regulation or a Specially Designated
6. Any condition, which is or results that the total premium due must be
List or which if reimbursed or paid
from or is a complication of paid and actually received in full by
by the Company would result in the
infection with Human Deficiency the Company (or the intermediary
Company being in breach of trade
Syndrome (‘HIV’), any variance through whom this Policy was
or economic sanctions or other
including Acquired Immune effected) on or before the Effective
such similar laws or regulations.
Deficiency Syndrome (‘AIDS’), and Date of the coverage under the
AIDS Related Complications (‘ARC’), 14. The Insured Person not taking all Policy, Renewal Certificate or Cover
or any opportunistic infections and/ reasonable efforts to safeguard his Note.
or malignant neoplasm (tumor) property or to avoid any injury
or minimize any claim under the In the event that the total premium
found in the presence of HIV, AIDS
policy. due is not paid and actually
or ARC.
received in full by the Company (or
7. Any condition which results from 15. Any condition which results from the intermediary through whom
or is a complication of pregnancy, or is a complication of suicide or this Policy was effected) on or
childbirth, miscarriage (except attempted suicide or intentional before the Effective Date referred
Accidental miscarriage) or abortion, self-injury. to above, then the Policy shall not
intoxication by alcohol or drugs not 16. Mental and nervous disorders, attach and no benefits whatsoever
prescribed by a Physician. including but not limited shall be payable by the Company.
to insanity. Any payment received thereafter
8. Illegal acts (or omissions) of
shall be of no effect whatsoever as
the Insured Person or the 17. The Insured Person engaging in cover never attached on the Policy.
Insured Person’s executors, naval, military or air force service
administrators, legal heirs or or operation or testing of any kind 2. Entire Contract, Changes
personal representatives, loss of conveyance or being employed This Policy, the Certificate of
resulting directly or directly from as a manual worker or whilst Insurance and any amendments
action taken by the Government engaging in offshore activities or endorsements shall constitute
Authorities including confiscation, like diving, oil-rigging, mining or the entire contract of insurance.
seizure, destruction and restriction. aerial photography or handling of No change to the terms and
explosive or loss of or damage to conditions of this Policy shall be
9. The Insured Person engaging in air
hired or leased equipment. valid unless approved in writing by
travel other than as a passenger on
a Scheduled Flight. 18. Any condition which results from an authorised representative of the
or is a complication of venereal Company and such approval shall be
10. Any loss or expenses which is, endorsed hereon or attached hereto.
disease.
directly or indirectly, caused No broker or agent has the authority
by, a consequence of, arises in 19. Any loss or expenses which arises to amend or to waive any of the
connection with or is contributed to in connection with or is contributed terms and conditions of this Policy.
by the Insured Person undertaking by the Insured Person undertaking
any Journey against the advice of any Journey against the travel advice 3. Conditions Precedent To Liability
a Physician or for the purpose of of the Ministry of Foreign Affairs of The liability of the Company for
seeking medical attention. Singapore or the Ministry of Health any Benefit under this Policy is
of Singapore, in relation to actual conditional upon:
11. Any Pre-existing Conditions.
or threatened Riot, Strike or Civil
(a) the truth of the statements and
12. Any prohibition or breach of Commotion, war or warlike situation,
information as provided to
government regulation or any outbreak of disease or unsafe health
the Company by the Insured
failure by the Insured Person to conditions, or impending natural
Persons; and
take reasonable precautions to disasters, to the country or territory
avoid a claim under this Policy of the Insured Person’s Destination, (b) the due observance and
following the warning of any unless the Journey had already fulfillment of the terms and
© 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos,
6 and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018.Chubb Scoot™ Protect
conditions of this Policy insofar Any documents or evidence required or an authorised representative
as they relate to anything to be by the Company to verify the claim of Chubb Assistance reserves the
done or complied with by the shall be provided by the Insured right to recover against the Insured
Insured Persons. Person at his own expense. Any Person the full sum which the
medical examination required by the Company or Chubb Assistance or
4. Legal Action
Company to verify the claim will be an authorised representative of
No action shall be brought to at the Company’s expense. Chubb Assistance is liable to the
recover on this Policy prior to Hospital into which the Insured
The Company shall, in the event
the expiration of sixty (60) days Person was admitted.
of the death of an Insured Person,
after written proof of claim has
be entitled to have a post-mortem 11. No Multiple Policies
been filed accordance with the
examination performed at its own The Insured Person can only be
provisions of this Policy.
expense where it is not prohibited covered under one leisure travel
5. Misrepresentation by law. insurance policy underwritten by
This Policy shall be voidable in the Failure to notify the Company the Company for the same Journey.
event of any misrepresentation, within the time limit prescribed 12. Compliance With Policy
mis-description, non-disclosure or shall not invalidate the claim if it Provisions
concealment of any circumstances can be shown, to the Company’s
Failure to comply with any of
by the Insured Persons which is satisfaction, that it was not
the provisions contained in this
material to or connected with: reasonably possible to give such
Policy shall invalidate all claims
proof within the prescribed time
(a) the Insured Persons’ risk hereunder.
limit for an otherwise legitimate
experience and claim history;
claim. 13. Other Insurances
(b) the Insured Persons’ insurance Except as otherwise provided in
8. Payment Of Claims
record, including previous this Policy, if the Insured Person
refusals to grant insurance Any Benefits payable under this
has or should have any other
coverage. Policy shall be paid to the Insured
insurance providing cover for the
Person or to the Insured Person’s
6. Fraud same loss, damage or liability, the
estate in the event of the Insured
Company shall not be liable to
If any claim under this Policy shall Person’s death, except under Part
pay except for any excess beyond
be, in any respect, fraudulent or if 5, Section 6 – Medical Evacuation
the amount which would have
any fraudulent means or devices and Repatriation and Section 7 –
been payable under the Policy or
shall be used by any person to Repatriation of Mortal Remains.
Policies had this insurance not been
obtain a Benefit under this Policy, Any receipt by the Insured Person
effected.
the Company shall have no of any Benefit payable under this
liability in respect of such claim Policy shall in all cases be deemed 14. Notice Of Trust Or Assignment
and the Company shall be entitled final and complete discharge of all And Third Party Rights
to terminate this Policy with liability of the Company in respect The Company shall not be bound
immediate effect. of such Benefit. or be affected by any notice of any
9. Termination For Non-Payment trust, charge, lien, assignment or
7. Claims Procedure
Of Premium other dealing with or in relation to
On the happening of any this Policy.
This Policy shall deem to have been
occurrence likely to give rise to a
void from the intended Effective A person who is not a party to this
claim under this Policy, written
Date if the premium is not paid. Policy contract shall have no right
notice shall be given to the
under the Contracts (Rights of
Company’s Claims Department at 10. Right Of Recovery
Third Parties) Act 2001 to enforce
138 Market Street In the event authorization of any of its terms.
#11-01 CapitaGreen Singapore payment and/or payment is
048946, as soon as possible and, in made by the Company or Chubb 15. Arbitration
any event, within thirty (30) days Assistance or an authorised If any dispute or disagreement
after the date of the occurrence. representative of Chubb Assistance arises regarding any matter
The Company will provide the for a medical claim whereby pertaining to or concerning this
Insured Person with forms for filing policy liability is not engaged, the Policy, the dispute or disagreement
proof of claim. Company or Chubb Assistance must be referred to arbitration in
© 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos,
and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018. 7Chubb Scoot™ Protect
accordance with the provisions The Insured Person has seven (7) parties which may be sited outside
of the Arbitration Act (Cap. 10) days from the date the Company of Singapore, for administering
and any statutory modification or issues the Certificate of Insurance policies taken out with the Company,
re-enactment thereof then in force, to decide if this insurance meets customer services and to allow
such arbitration to be commenced his/her needs. The Insured Person the Company and/or its business
within three (3) months from the may cancel the Policy simply by partners to perform marketing
day such parties are unable to settle advising the Company in writing and related activities, until the
the dispute or difference. If the within those seven (7) days. If Company receives the Insured
Insured Person fails to commence the Insured Person does this, the Person’s written instruction to the
arbitration in accordance with this Company will refund any premiums contrary. Upon the Insured Person’s
clause, it is agreed that any cause that have been paid. This cooling written request, the Company
of action and any right to make a off period does not apply if the shall, without charge, cease to
claim that the Insured Person have Insured Person has commenced the use the Insured Person’s personal
or may have against the Company Journey or the Insured Person has information for purposes other
shall be extinguished completely. made or is entitled to make a claim than those directly related to this
Where there is a dispute or prior to the cancellation of the Policy. A copy of the Company’s
disagreement, the issuance of a Policy. Personal Data Protection Policy
valid arbitration award shall also can be found at www.chubb.com/
22. Due Diligence sg-privacy and the Insured Person
be a condition precedent to the
Company’s liability under this The Insured Person will exercise is deemed to have read
Policy. In no case shall the Insured due diligence and precaution in the same.
Person seek to recover under this doing all things to avoid or reduce
The Insured Person may write to
Policy before the expiration of any loss under this Policy.
the Company’s Data Protection
sixty (60) days after written proof 23. Policy Owners’ Protection Officer at 138 Market Street #11-01
of claim has been submitted to the Scheme CapitaGreen Singapore 048946
Company in accordance with the This Policy is protected under for any request to withdraw his/
provisions of this Policy. the Policy Owners’ Protection her consent, access to and/or
16. Governing Law Scheme which is administered by correction of any information
the Singapore Deposit Insurance supplied to the Company and the
This Policy shall be governed by
Corporation (SDIC). Coverage for Company may reserve the right to
and interpreted in accordance with
this Policy is automatic and no charge a reasonable fee to offset the
Singapore law. administrative costs in complying
further action is required from
17. Interest the Insured Person. For more with access requests.
No amounts payable by the information on the types of benefits 25. Modification
Company under this Policy shall that are covered under the scheme
We reserve the right to modify the
carry interest. as well as the limits of coverage,
terms and conditions of this Policy
where applicable, please contact
18. Currency within the Period of Insurance
the Company or visit the GIA / LIA
by giving You prior notice of at
Premiums and benefits payable or SDIC websites (www.gia.org.sg or
least thirty (30) days, and such
under this Policy shall be in www.lia.org.sg or www.sdic.org.sg). modification shall be applicable
Singapore dollars.
24. Personal Data Protection from the effective date as stated in
19. Clerical Error Consent Our written notice to Your address
A clerical error by the Company The Insured Person is deemed to on file.
shall not invalidate insurance give consent and authorisation No modification of this Policy
otherwise validly in force, nor to the Company to collect, use, shall be valid unless approved
continue insurance otherwise not disclose, and/or process his/ in writing by Our authorised
validly in force. her personal data or information representative, and such approval
20. Gender supplied to the Company without shall be evidenced by way of an
further notification to the Insured endorsement to this Policy issued
A masculine personal pronoun as
Person, confidentially with the by Us. No broker or agent has the
used herein includes the feminine,
Company’s affiliated companies, authority to modify or to waive
wherever the context requires.
third party service providers, any of the terms and conditions of
21. Cooling Off Period business partners and/or other this Policy.
© 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos,
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Part 5. Benefits to any other claim originating from the 1. Any expenses relating to any
Accident causing such loss. treatment for Bodily Injury or
The benefits payable under the Sickness where such treatment
respective Sections in this Part 5 No indemnity will be paid under any
was first sought more than sixty
as mentioned below are mutually circumstances for more than one of the
(60) days from the time the
exclusive: losses, the greatest for which provision
Bodily Injury or Sickness was first
is made in this Section.
(i) Sections 15 and 16 sustained.
No payment will be made for any loss
Section 1 – Personal Accident 2. Any expenses incurred for
caused by or resulting from Sickness. prostheses, contact lenses,
If, during the Period of Insurance,
whilst the Insured Person is on a Section 2 – Medical Expenses Due To spectacles, hearing aids, dentures
Journey, the Insured Person sustains Accident And Sickness (Applicable or medical equipment unless
Bodily Injury which results in death To Return Journey Only) prescribed by a Physician for
and/or Permanent Disablement within the treatment of Bodily Injury or
If, during the Period of Insurance,
one hundred and eighty (180) days Sickness.
whilst the Insured Person is on a
after the date of the Accident, the Journey, the Insured Person incurs 3. Any expenses relating to any
Company will pay up to the relevant Medical Expenses as a direct result of treatment not prescribed by a
Benefit amount specified in the Table Bodily Injury or Sickness, the Company Physician or a Chinese Physician.
of Benefits read with the Certificate will indemnify the Insured Person in
of Insurance subject to the terms and Section 3 – Continuation Of
respect of such expenses up to the Medical Treatment After Return To
conditions of this Policy.
relevant Benefit amount specified in the Singapore (Applicable To Return
Table Of Benefits Certificate of Insurance subject to the Journey Only)
Compensation terms and conditions of this Policy.
If, during the Period of Insurance,
Payable % of
ADDITIONAL CONDITIONS whilst the Insured Person is on a
Capital sum
stated in the Where an Insured Person has been Journey, the Insured Person sustains
Certificate of treated by a Chinese Physician, the Bodily Injury or Sickness, which
Loss Events Insurance result in a valid claim under Section
liability of the Company in respect of
Accidental Death 100% 2 – Medical Expenses due to Accident
Traditional Chinese Medicine Expenses
Permanent Total 100% and Sickness, and necessarily incurs
incurred shall not exceed Singapore
Disablement Medical Expenses in Singapore within
Dollars Seven Hundred and Fifty
thirty-one (31) days after the end of the
Total and Permanent 100% (S$750.00).
Journey, the Company will reimburse
Loss of Speech
For the avoidance of doubt, in the event the Insured Person in respect of such
and Hearing
the Insured Person becomes entitled to expenses up to a maximum of the
Loss of Sight in 100%
a refund of or reimbursement of all or relevant Benefit Amount specified in the
both eyes
part of such expenses from any other Certificate of Insurance subject to the
Loss of two Limbs 100% source, or if there is in place any other terms and conditions of this Policy.
Loss of one Limb 50% insurance against the events covered
ADDITIONAL CONDITIONS
Loss of Sight in one eye 50% under this Section, the Company will
(a) Where an Insured Person had been
Total and Permanent 50% only be liable for the excess of the
treated by a Chinese Physician, the
Loss of lens of one Eye amount recoverable from such other
liability of the Company in respect
Total and Permanent 50% source or insurance.
of Traditional Chinese Medicine
Loss of Speech ADDITIONAL EXCLUSIONS Expenses incurred shall not exceed
Total and Permanent Singapore Dollars Seven Hundred
In addition to the General Exclusions,
Loss of Hearing in and Fifty (S$750.00).
this Policy does not cover, and the
i) both Ears 50%
Company will not in any event be (b) For the avoidance of doubt, in
ii) one Ear 15%
liable in respect of any claim under this the event the Insured Person
The occurrence of any specific loss Medical Expenses due to Accident and becomes entitled to a refund of
for which indemnity is payable under Sickness section which is directly or or reimbursement of all or part
this Section shall at once terminate all indirectly, caused by, a consequence of, of such expenses from any other
insurance under the Policy, but such arises in connection with or contributed source, or if there is in place any
termination shall be without prejudice to by any of the following: other insurance against the events
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covered under this Section, the insurance against the events covered (i) Confinement must occur within
Company will only be liable for the under this Section, the Company will thirty (30) days of the Accident
excess of the amount recoverable only be liable for the excess of the causing the relevant Bodily Injury
from such other source or amount recoverable from such other or Sickness.
insurance. source or insurance.
(ii) Confinement must be considered
ADDITIONAL EXCLUSIONS ADDITIONAL EXCLUSIONS medically necessary by a Physician
In addition to the General Exclusions, In addition to the General Exclusions, in his professional capacity.
this Policy does not cover, and the this Policy does not cover, and the ADDITIONAL EXCLUSIONS
Company will not in any event be Company will not in any event be In addition to the General Exclusions,
liable in respect of any claim under liable in respect of any claim under this Policy does not cover, and the
this Follow-up Treatment in Singapore this Emergency Dental Expenses Due Company will not in any event be
section which is directly or indirectly, to Accident section which is directly or liable in respect of any claim under
caused by, a consequence of, arises in indirectly, caused by, a consequence this Daily Hospital In-Patient Income
connection with or contributed to by of, arises in connection with or section which is directly or indirectly,
any of the following: contributed to by any of the following: caused by, a consequence of, arises in
1. Any expenses relating to any 1. Any expenses relating to any connection with or contributed to by
treatment for Bodily Injury or treatment for Bodily Injury where any of the following:
Sickness where such treatment such treatment was first sought 1. Any expenses relating to any
was first sought more than sixty more than sixty (60) days from treatment or aid obtained
(60) days from the time the the time the Bodily Injury was first in Singapore.
Bodily Injury or Sickness was first sustained.
sustained. 2. Any expenses relating to
2. Any expenses relating to any Confinement for any surgery or
2. Any expenses incurred for treatment not prescribed by medical treatment, which in the
prostheses, contact lenses, a Dentist. opinion of a Physician, could
spectacles, hearing aids, dentures reasonably have been delayed until
or medical equipment unless Section 5 – Daily Hospital In-Patient
the return of the Insured Person to
prescribed by a Physician for Income (Applicable To Return
Singapore.
the treatment of Bodily Injury or Journey Only)
Sickness. If, during the Period of Insurance, Section 6 – Medical Evacuation And
whilst the Insured Person is on Repatriation (Applicable To Return
3. Any expenses relating to any Journey Only)
treatment not prescribed by a a Journey, the Insured Person is
necessarily Confined in a Hospital If, during the Period of Insurance,
Physician or a Chinese Physician.
overseas as a result of Bodily Injury whilst the Insured Person is on a
Section 4 – Emergency Dental or Sickness, the Company will pay the Journey, as a result of an Insured Person
Expenses Due To Accident Insured Person the relevant Benefit being in a Critical Medical Condition
(Applicable To Return Journey Only) amount as specified in the Certificate and in the opinion of Chubb Assistance,
If, during the Period of Insurance, of Insurance subject to the terms and or an authorised representative of
whilst the insured Person is on a conditions of this Policy. Chubb Assistance, it is judged medically
Journey, the Insured Person incurs appropriate to move the Insured
The daily benefit amount shall be paid Person to another location for medical
Dental Expenses a direct result of
for each Day of Confinement from treatment, or to return the Insured
Bodily Injury, the Company will
the first Day of Confinement and up Person to Singapore, Chubb Assistance
indemnify the Insured Person in
to a maximum of the relevant Benefit or its authorised representative, shall
respect of such expenses up to the
Amount specified in the Certificate arrange for the evacuation utilizing
relevant Benefit amount specified in the
of Insurance, and for this purpose, the means best suited to do so based
Certificate of Insurance subject to the
every Day of Confinement as a result on the medical severity of the Insured
terms and conditions of this Policy.
of the same event, (Bodily Injury or Person’s condition. The Company
ADDITIONAL CONDITIONS Sickness) shall be counted towards the shall pay directly to Chubb Assistance
For the avoidance of doubt, in the event total number of Days of Confinement, the Covered Expenses for such
the Insured Person becomes entitled to notwithstanding that such Days do not evacuation, up to the relevant Benefit
a refund of or reimbursement of all or run consecutively. Provided further that amount specified in the Certificate of
part of such expenses from any other this benefit shall be payable only if the Insurance, subject to the terms and
source, or if there is in place any other following conditions are met: conditions of this Policy.
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In the event the Insured Person cannot 1. Any expenses incurred for services ADDITIONAL DEFINITIONS
for reasons beyond his control notify provided by another party for Covered Expenses means expenses
Chubb Assistance, and nevertheless which the Insured Person is not for services provided and/or
makes arrangements for his own liable to pay, or any expenses arranged by Chubb Assistance for the
evacuation, the Company shall, if already included in the cost of a transportation, medical services and
satisfied that the arrangements were
scheduled trip. medical supplies necessarily incurred
medically appropriate in view of the
Insured Person’s Critical Medical 2. Any expenses for a service not as a result of the repatriation of the
Condition at that time, indemnify approved and arranged by Chubb Insured Person’s mortal remains.
the Insured Person in respect of the Assistance or its authorised ADDITIONAL EXCLUSIONS
expenses incurred, up to an amount representative, except as
which would have been payable to In addition to the General Exclusions,
mentioned in paragraph two (2) of
Chubb Assistance for services provided this Policy does not cover, and the
this Section.
under the same circumstances, subject Company will not in any event be
to the terms and conditions of this 3. Any treatment performed or liable in respect of any claim under
Policy. ordered by a person who is not a this Repatriation of Mortal Remains
Physician section which is directly or indirectly,
The means of evacuation arranged by
Chubb Assistance, or its authorised caused by, a consequence of, arises in
4. Any expenses incurred if the Insured
representative, may include air connection with or contributed to by
Person is not suffering from a Critical
ambulance, surface ambulance, regular any of the following:
Medical Condition or if the treatment
air transportation, railroad or any can be reasonably delayed until the 1. Any expenses incurred for services
other appropriate means. All decisions
Insured Person return to Singapore. provided by another party for
as to the means of transportation and
which the Insured Person is not
the final destination will be made by Section 7 – Repatriation Of Mortal
liable to pay, or any expenses
Chubb Assistance, or its authorised Remains (Applicable To Return
representative, and will be based solely already included in the cost of the
Journey Only)
upon medical necessity. Journey.
If, during the Period of Insurance,
ADDITIONAL DEFINITIONS whilst the Insured Person is on a 2. Any expenses incurred for the
Critical Medical Condition means a Journey, the Insured Person dies as a transportation of the Insured
medical condition suffered by the Insured result of a Critical Medical Condition (as Person’s remains not approved and
Person as a result of Bodily Injury or defined in Section 6), Chubb Assistance, arranged by Chubb Assistance or its
Sickness, which is determined to be or its authorised representative shall authorised representative.
life-threatening by a Physician designated make the necessary arrangements Section 8 – Compassionate
by Chubb Assistance at the Physician’s for the return of the Insured Person’s Allowance (Applicable To Return
absolute discretion.
mortal remains to Singapore. The Journey Only)
Covered Expenses means expenses Company shall pay directly to Chubb
If, during the Period of Insurance,
for services provided and/or Assistance the Covered Expenses for
whilst the Insured Person is on a
arranged by Chubb Assistance for the such repatriation up to the relevant
transportation, medical services and Journey, the Insured Person sustains
Benefit amount specified in the
medical supplies necessarily incurred Bodily Injury which results in
Certificate of Insurance, subject to the
as a result of a Medical Evacuation and Accidental Death under Section 1 –
terms and conditions of this Policy.
Repatriation of an Insured Person as Personal Accident and no adult Family
described herein. In addition to the transportation of the Member is with him, the Company
remains, the Company shall reimburse will indemnify the Insured Person’s
ADDITIONAL EXCLUSIONS
to the Insured Person’s estate expenses estate for the hotel accommodation
In addition to the General Exclusions,
actually incurred for services and and travel (economy return air travel)
this Policy does not cover, and the
supplies by a mortician or undertaker, expenses necessarily incurred for one
Company will not in any event be
liable in respect of any claim under this including but not limited to the cost (1) relative or friend to assist in the final
Medical Evacuation and Repatriation of a casket, and the embalming and arrangements of the Insured Person’s
section which is directly or indirectly, cremation if so elected, to a maximum death, up to the relevant Benefit
caused by, a consequence of, arises in of the relevant Benefit Amount specified amount specified in the Certificate of
connection with or contributed to by in the Certificate of Insurance subject to Insurance subject to the terms and
any of the following: the terms and conditions of this Policy. conditions of this Policy.
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Section 9 – Loss Of Luggage And Portable Computer means laptop and indicated should not be included
Personal Effects handheld computers. in checked baggage, as stated in
If, during the Period of Insurance, the Scheduled Flight’s operator’s
ADDITIONAL EXCLUSIONS
whilst the Insured Person is on a Conditions of Carriage – including
In addition to the General Exclusions, but not limited to, fragile, delicate
Journey, the Insured Person sustains
this Policy does not cover, and the or perishable items, computers,
loss of or damage to his Luggage
Company will not in any event be items of special value, such as
and Personal Effects, the Company
liable in respect of any claim under this money, jewellery, precious metals,
will indemnify the Insured Person in
Loss of Luggage and Personal Effects silverware, valuable documents,
respect of such loss up to the relevant
section which is directly or indirectly, passports and other travel
Benefit amount stated in the Certificate
of Insurance subject to the terms and caused by, a consequence of, arises in documents, personal electronic
conditions of this Policy. connection with or contributed to by equipment, including compact
any of the following: discs;
ADDITIONAL CONDITIONS
1. loss or damage of baggage 7. loss or damage not reported
(a) The Company will not pay more
caused by wear and tear, gradual to either the police or relevant
than Singapore Dollars five hundred
deterioration, moths, vermin, authority having jurisdiction where
(S$500) for any one article or a pair
inherent vice or damage sustained the loss or damage occurred within
or a set of articles. twenty-four (24) hours of the
due to any process or while actually
(b) In respect of articles more than one being worked upon or resulting discovery of such loss or damage;
year old, the Company may make therefrom; 8. loss or damage of property whilst
payment subject to due allowance
2. loss or damage of baggage caused in the custody of an airline or
of wear and tear and depreciation
by mechanical or electrical other carrier, unless reported
or at its option reinstate or repair
breakdown or derangement or immediately on discovery and, in
such articles.
damage sustained due to any the case of an airline, a Property
(c) The loss or damage must be process initiated by an Insured Irregularity Report is obtained;
reported to the police or relevant Person to repair, clean or alter any
authority having jurisdiction where 9. loss or damage to property insured
baggage;
the loss or damage occurred within under any other insurance policy,
twenty-four (24) hours from the 3. loss or damage of baggage or otherwise reimbursed by a
incident. Any claims for indemnity resulting directly or directly from common carrier or a hotel.
under this Section must be insurrection, rebellion, revolution,
Property Not Covered
accompanied by a copy of a police civil war, usurped power, or
report or a report issued by the action taken by governmental The Company will not pay for damage
relevant authority evidencing such authorities in hindering, combating to or loss of:
loss. or defending against such an
(i) animals;
occurrence, seizure or destruction
(d) For the avoidance of doubt, in under quarantine or customs (ii) motor vehicles, aircraft, and other
the event the Insured Person regulations, confiscation by order conveyances or equipment or parts
becomes entitled to a refund or
of any government or public pertaining to such conveyances;
reimbursement of all or part of
authority or risk of contraband or
such expenses from any other (iii) artificial limbs, false teeth, any
illegal transportation or trade;
source, or if there is in place any type of eyeglasses, contact lenses
other insurance against the events 4. loss or damage of property from or corneal lenses;
covered under this section, the confiscation or retention by
(iv) tickets, except for administrative
Company will only be liable for the customs or other officials;
fees required to reissue tickets;
excess of the amount recoverable
5. loss or damage of property as
from such other source or (v) coupons, negotiable instruments,
a result of the Insured Person’s
insurance. title deeds, manuscripts, money,
failure to take due and reasonable
care and precautions to safe-guard stamps, stocks and bonds, postal
ADDITIONAL DEFINITIONS
and secure such property; or money orders, securities of any
Luggage and Personal Effects means
kind;
personal goods belonging to the Insured 6. loss or damage of property that is
Person, which are taken by him on the included in an Insured Person’s (vi) property shipped as freight, or
Journey or acquired by him during the checked baggage that the relevant shipped prior to the scheduled
Journey. Scheduled Flight operator has departure date;
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(vii) cards, including but not limited to excess of the amount recoverable Section 12 – Travel Delay
credit cards; from such other source or If, during the Period of Insurance,
insurance. whilst the Insured Person is on a
(viii) contraband;
ADDITIONAL DEFINITIONS Journey, the departure of the Scheduled
(ix) business goods or samples/ Flight is delayed for at least six (6)
prototypes or equipment of any Travel Documents means passport,
consecutive hours at any single location
kind or any products/components visas, travel tickets or driving license.
in the itinerary supplied to the Insured
meant for trade; Money means coins, bank notes, postal Person, due to Strike or industrial
(x) hired or leased equipment; money orders or travelers’ cheque. action, adverse weather conditions or
ADDITIONAL EXCLUSIONS mechanical breakdown/derangement
(xi) foodstuff;
of the Scheduled Flight or due to
(xii) computers (including software and In addition to the General Exclusions,
grounding of the Scheduled Flight as
accessories) other than Portable this Policy does not cover, and the
a result of mechanical or structural
Computers; Company will not in any event be liable
defect or any event leading to airspace
in respect of any claim under Loss
Section 10 – Loss Of Travel Documents restriction or airport closure, the
of Travel Documents section which
Company will pay the Insured Person
If, during the Period of Insurance, is directly or indirectly, caused by, a
the relevant Benefit amount specified
whilst the Insured Person is on a consequence of, arises in connection
in the Certificate of Insurance for every
Journey, the Insured Person sustains with or contributed to by any of the
full six (6) consecutive hours of delay
loss of Travel Documents due to following:
(the delay being calculated from the
theft or by force, violence, or threat of
(a) loss due to confiscation or departure time of the Scheduled Flight
violence, the Company will indemnify
detention by customs or any other specified in the itinerary), up to the
the Insured Person in respect of
authority; maximum Benefit amount specified in
such loss up to the relevant Benefit
amount as specified in the Certificate the Certificate of Insurance.
(b) loss not reported to either the
of Insurance subject to the terms and police or relevant authority having The delay must be verified in writing
conditions of this Policy. jurisdiction where the loss occurred by the operator of the Scheduled Flight
In the event the Insured Person sustains within twenty-four (24) hours of the or their handling agent(s) as well as
loss of Money together with the loss of discovery of such loss; the number of hours delayed and the
Travel Documents due the theft or by (c) loss or damage of Travel reason for the delay.
force, violence, or threat of violence, Documents and/or Money as a ADDITIONAL EXCLUSIONS
the Company will indemnify the result of the Insured Person’s In addition to the General Exclusions,
Insured Person in respect of the loss of failure to take due and reasonable
this Policy does not cover, and the
Money up to Singapore Dollars Three care and precautions to safe-guard
Company will not in any event be
Hundred (S$300). and secure the Travel Documents
liable in respect of any claim under this
ADDITIONAL CONDITIONS and/or Money.
Travel Delay section which is directly or
(a) The loss must be reported to Section 11 – Checked-In Luggage indirectly, caused by, a consequence of,
the police or relevant authority Delay arises in connection with or contributed
having jurisdiction where the loss If, during the Period of Insurance, to by any of the following:
occurred, within twenty-four (24) whilst the Insured Person is on a 1. failure of the Insured Person to
hours after the incident. Any claim Journey, the Insured Person’s luggage check in according to the itinerary
must be accompanied by a copy of that is accompanied and checked in on supplied to him;
a police report or a report issued by the Scheduled Flight is not delivered to
the relevant authority evidencing him within six (6) hours of the Insured 2. Strike or industrial action existing
such loss. Person’s arrival at the scheduled on the date the Insured Person
(b) For the avoidance of doubt, in destination overseas and in Singapore, applied for cover under this Policy;
the event the Insured Person the Company will pay to the Insured 3. late arrival of the Insured Person
becomes entitled to a refund or Person the relevant Benefit amount at the airport or port after check-in
reimbursement of all or part of specified in the Certificate of Insurance or boarding time (except if the late
such expenses from any other for every full six (6) consecutive hours arrival is due to Strike or industrial
source, or if there is in place any of delay, up to the maximum Benefit action).
other insurance against the events amount specified in the Certificate of
covered under this Section, the Insurance, subject to the terms and Section 13 – Travel Misconnection
Company will only be liable for the conditions of this Policy. If, during the Period of Insurance,
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and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018. 13You can also read
