Chubb Travel Insurance - Policy Wording
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Chubb Travel Insurance
Chubb Travel Insurance
Policy Wording
1 © 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.Chubb Travel Insurance
Benefit Schedule
Core Benefits First Business Economy *Saver
Personal Accident Maximum Sum Insured (S$)
1 Accidental Death and Disablement
- For Adult (below 65 years old) $500,000 $200,000 $150,000 $50,000
- For Adult (above 65 years old) & Child $100,000 $20,000 $10,000 $5,000
(up to 23 years old)
2 Child Education Grant $5,000 $2,500 NIL NIL
Medical Expenses (Overseas and In Singapore)
3 Overseas Medical Expenses
- For Adult (below 65 years old) $2,000,000 $500,000 $250,000 $20,000
- For Adult (above 65 years old) & Child $200,000 $100,000 $50,000 $4,000
(up to 23 years old)
4 Overseas Traditional Chinese Medicine Expenses $750 $750 $750 $250
5 Continuation of Medical Treatment After Return
to Singapore (up to 31 consecutive days; sub-
limit of $750 for Traditional Chinese Medicine
Expenses)
- For Adult (below 65 years old) $20,000 $10,000 $5,000 $1,000
- For Adult (above 65 years old) & Child $10,000 $5,000 $2,500 $500
(up to 23 years old)
6 Emergency Overseas Travel Expenses $20,000 $10,000 $5,000 NIL
7 Hospital Confinement Benefit
- Hospital Confinement in Overseas $40,000 $30,000 $20,000 NIL
($200 per Day of Confinement)
- Hospital Confinement in Singapore $6,000 $6,000 $6,000 NIL
($200 per Day of Confinement)
8 Chubb Assistance - Emergency Medical
Evacuation
- For Adult (below 65 years old) Unlimited Unlimited Unlimited $20,000
- For Adult (above 65 years old) & Child $200,000 $100,000 $100,000 $20,000
(up to 23 years old)
9 Chubb Assistance - Repatriation Of Mortal Remains Unlimited Unlimited Unlimited $5,000
10 Emergency Overseas Mobile Phone Charges Actual cost Actual cost Actual cost Actual cost
Liability
11 Personal Liability $2,000,000 $1,000,000 $500,000 $500,000
12 Legal Expenses $150,000 $75,000 $25,000 NIL
Travel Inconveniences
13 Journey Cancellation $20,000 $10,000 $5,000 $5,000
14 Journey Postponement $2,000 $1,500 $750 $750
15 Journey Curtailment $20,000 $10,000 $3,000 NIL
16 Replacement Traveller $1,000 $500 $500 $500
17 Loss of Advance Deposit due to Insolvency of
$5,000 $3,000 $1,000 NIL
Travel Agent
18 Travel Disruption $2,000 $1,000 $800 $400
($100 for first 4 consecutive hours and $200 per
every 12 consecutive hours thereafter)
2 © 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos,
and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018.Chubb Travel Insurance
Core Benefits First Business Economy *Saver
Maximum Sum Insured (S$)
19 Loss or Damage of Personal Property, Baggage $8,000 $5,000 $3,000 $1,000
and Money
(max $300 for Money / $500 per article or a
pair or a set of articles / $1,000 for Portable
Computers)
20 Baggage Delay
$1,200 $1,000 $800 $400
($200 per every 6 consecutive hours)
21 Loss or Damage of Travel Documents $5,000 $3,000 $2,000 $500
22 Hijack / Kidnap / Hostage
$2,500 $1,000 $1,000 NIL
($100 per every 6 consecutive hours)
23 Accommodation Cancellation $2,500 $1,000 $500 NIL
Others
24 Terrorism Extension Included Included Included Included
24-Hour Worldwide Medical Emergency Included Included Included Included
Assistance Hotline
24-Hour Travel Advice Hotline Included Included Included Included
Automatic Extension of cover Included Included Included Included
Optional: Add-Ons (with payment of additional premium)
Life Event
25 Cancellation/Postponement of Wedding Photo $5,000 $2,000 $2,000 $2,000
Shoot
Lifestyle
26(A) Alternative Accommodation Expenses $5,000 $2,000 $2,000 $2,000
26(B) Loss of Frequent Flyer Points $1,000 $500 $500 $500
26(C) Rental Vehicle Excess $1,000 $500 $500 $500
26(D) Return Rental Vehicle $1,000 $500 $500 $500
26(E) Entertainment Disruption $3,000 $500 $500 $500
Golf
27(A) Hole-In-One $1,000 $500 $500 $500
27(B) Golf Equipment $1,000 $500 $500 $500
27(C) Unused Green Fees $1,000 $500 $500 $500
Skiing
28(A) Ski Equipment $5,000 $2,500 $2,500 $2,500
(max $1,000 per equipment)
28(B) Ski Track / Piste Closure $1,000 $500 $500 $500
($100 per day)
28(C) Unused Ski Equipment Hire, lift passes & Ski $1,000 $500 $500 $500
School Expenses
28(D) Replacement of Ski pass or ski lift pass $500 $250 $250 $250
© 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos, 3
and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018.Chubb Travel Insurance
Optional: Add-On First Business Economy *Saver
Maximum Sum Insured (S$)
Adventurous Sports
29 Winter Sports: snowboarding, snow tubing, snow
rafting, snow mobiling, glacier walking with a
qualified guide
Water Sports: diving up to 40 Metres (subject
to PADI Certification), white water rafting of Policy Policy Policy Policy
Grade 4 and above with a qualified guide Aggregate Aggregate Aggregate Aggregate
$200,000 $100,000 $100,000 $100,000
Biking Sports: mountain biking, quad biking,
expedition bicycle touring, motor biking
Outdoor Sports: trekking/mountain trekking up to
4000 Metres, 4 Wheel Driving Adventure.
Post Journey Medical Expenses
30 Post Journey Medical Expenses in Singapore
(Within two (2) days after returning to $5,000 $2,000 $2,000 $2,000
Singapore, up to 31 consecutive days)
Excess: $50 for each and every claim
Personal Accident due to Terrorism
31 - For Adult (below 65 years old) $75,000 $50,000 $25,000 $12,500
- For Adult (above 65 years old) & Child $15,000 $10,000 $5,000 $2,500
(up to 23 years old)
Personal Effects
32 Jewellery $10,000 $5,000 $5,000 $5,000
Sporting Equipment $5,000 $3,000 $3,000 $3,000
(max per article, per set or pair of articles) $2,000 $1,000 $1,000 $1,000
Important Notes:
1. *Saver Plan is only applicable to Journey to and from Malaysia, Batam Island and Bintan Island.
2. The benefit amount listed above is the maximum coverage payable for each Benefit.
3. Benefit items are on reimbursement basis where you will be reimbursed for the expenses incurred except for Benefit items
1,2,7,18,20,22,28(B) and 31.
4. Pre-existing Condition will not be covered.
5. Please refer to the policy wording for full exclusions, terms and conditions.
Region 1: Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand and Vietnam.
Region 2: Australia, China (excluding Tibet), Hong Kong, India, Japan, Korea, Macau, Mongolia, New Zealand,
Sri Lanka, Taiwan, Timor-Leste and including Region 1.
Region 3: Rest of the world including Nepal and Tibet but excluding Cuba.
4 © 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.Chubb Travel Insurance
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© 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos, 5
and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018.Chubb Travel Insurance
Chubb Travel Part 1 Interpretation Biological agent means any pathogenic
(disease producing) micro-organism(s)
Section 1 – Definitions
Insurance In this Policy, unless otherwise defined
and /or biologically produced toxin(s)
(including genetically modified
or the context otherwise requires: organisms and chemically synthesized
Accident means a sudden, unforeseen toxin(s) which cause illness and/or
and fortuitous event, external to the death in humans, animals or plants.
body and Accidental shall have a Certificate of Insurance means the
corresponding meaning. document which is incorporated and
Accidental Injury means a bodily forms part of this Policy We send You
injury resulting from an Accident which which contains details of the cover
is not an illness and which: provided to You by Us.
(a) occurs at an identifiable time Chemical agent means any compound
and place during the Period of which, when suitably disseminated,
Insurance; and produces incapacitating, damaging or
lethal effects on people, animals, plants
(b) may include a bodily injury
or material property.
caused by You being directly
and unavoidably exposed to the Child(ren) means Your unmarried
elements as a result of an Accident. dependent child or children
(including step or legally adopted
Act of Terrorism means any actual
child(ren) who are:
or threatened use of force or violence
directed at or causing damage, injury, (a) at least forty-five (45) days of age;
harm or disruption, or commission and
of an act dangerous to human life
(b) up to and including eighteen (18)
or property, against any individual,
years of age or up to and including
property or government, which the
twenty-three (23) years of age whilst
stated or non-stated objective of
they are full-time students at an
pursuing economic, ethnic, nationalistic,
accredited institution of higher
political, racial or religious interests,
learning and primarily dependent
whether such interests are declared
on You for maintenance and
or not, committed by a Terrorist or
support.
Freedom Fighter. Act of Terrorism
shall also include any act, which is Chinese Doctor means a legally licensed
verified or recognised by the (relevant) traditional Chinese medicinal practitioner
government as an act of terrorism. (including a Chinese acupuncturist or
Annual Policy means a Policy issued bonesetter) duly registered and practising
for the selected plan where You can within the scope of his or her license
make an unlimited number of Journey pursuant to the laws of the country
to the selected Region(s) of travel in which such practice is maintained.
during the Period of Insurance. Chinese Doctor shall not include You
or any of Your relatives unless otherwise
Benefit means the respective benefit,
approved by Us.
as stated in the Policy, payable by Us
under the terms and conditions of this Chubb Assistance means our
Policy in respect of each event or loss appointed service provider which can
covered by this Policy. be contacted at +65 6836 2922.
Benefit Schedule means the document Confined or Confinement means
which is incorporated and forms part at least a Day of Confinement as a
of this Policy We send You which Resident In-Patient (other than for day
contains details of the cover provided surgery) upon the advice of and under
to You by Us. the regular care and attendance of
6 © 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.Chubb Travel Insurance
a Doctor. For this purpose, a Day of Extreme Sports and Sporting (where appropriate) facilities for
Confinement shall mean a period for Activities means any sports or sporting major surgery within the confines
which the Hospital charges for room activities that present a high level of of the establishment or in facilities
and board. inherent danger (i.e. involve a high controlled by the established; and
Civil Commotion means a disturbance, level of expertise, exceptional physical
Hospital shall not include the following:
commotion or disorder created by exertion, highly specialised gear or
stunts) including but not limited to big (a) a mental institution; an institution
civilians usually against a governing confined primarily to the treatment
body or the policies thereof. wave surfing, canoeing down rapids,
of psychiatric disease including
cliff jumping, horse jumping, ultra
Civil War means any of the following, sub-normally; the psychiatric
marathons, biathlons, triathlons and
whether declared or not: armed department of a hospital;
stunt riding. It does not mean usual
opposition, insurrection, revolution, (b) a health hydro or nature cure clinic;
tourist activities that are accessible to the
armed rebellion, sedition, between two
general public without restriction (other (c) a place for or a special unit of a
or more parties belonging to the same
than height or general health or fitness hospital used primarily as a place
country where the opposing parties are
warnings) and which are provided by for drug addicts or alcoholics.
different ethnic religious or idealistic
a recognised local tour operator but
groups, any military or usurped power. (d) a clinic, nursing, rest, rehabilitative,
always providing that You are acting
convalescent home, extended-care
Dental Expenses means reasonable under the guidance and supervision of
facility or similar establishment.
and necessary charges incurred as a qualified guides and/or instructors of the
result of Accidental Injury to natural tour operators when carrying out such Inception Date means the date when
tooth/teeth for dental treatment, tourist activities. Your Annual Policy first comes into
carried out by a Dentist, medically force.
Family Member means Your Partner,
necessary to treat Your condition Insured Person(s) means the person(s)
Child(ren), parent, parent-in-law,
that has manifested whilst Overseas, named in the Certificate of Insurance
grandparent, grandparent-in-law, great
including charges for medical supplies who satisfy the eligibility requirements
grandparent, great grandparent-in-law,
or services, not exceeding the usual and with respect to premium has been
grandchild(ren), brother, sister, brother-
level of charges for similar treatment, paid or agreed to be paid, as follows:
in-law, sister-in-law.
supplies or medical services in the Annual Policy
locality where the expense is incurred Home Country means any country of
which You are a citizen or a permanent For a Family Plan, the Family shall
and does not include charges that
resident and excludes Singapore. comprise:
would not have been made if no
insurance existed. Hospital means a legally constituted (a) You,
Dentist means a legally licensed dentist establishment operated pursuant to the (b) Your Partner, and
or dental surgeon duly registered and laws of the country in which it is based,
(c) Your Child(ren)
practising within the scope of his or which holds a license as a hospital (if
her license pursuant to the laws of licensing is required in the state or Child(ren) who is/are below twelve (12)
the country in which such practice is government jurisdiction) and meets the years of age in a Family Plan must be
maintained. Dentist shall not include following requirements: accompanied by You or Your Partner
for any Journey made during the Period
You or any of Your relatives unless (i) operates primarily for the reception, of Insurance.
otherwise approved by Us. medical care and treatment of sick,
Single Trip Policy
Doctor means a legally licensed doctor ailing or injured persons as in-
or surgeon duly registered and patients; For a Family Plan, the Insured Persons
practising within the scope of his or are:-
(ii) provides full-time nursing service by
her license pursuant to the laws of the (a) a maximum of (two) 2 adults who
and under the supervision of a staff
country in which such practice is need not be related; and/or
of nurses;
maintained. Doctor shall not include
b) Your Child(ren), grandchild(ren),
You or any of Your relatives unless (iii) has a staff of one or more Doctors
(up to a maximum of four (4)
otherwise approved by Us. available at all times;
such persons) who is a Singapore
Effective Date means the (iv) maintains organised facilities for the Resident age between forty-five (45)
commencement date of the Period of medical diagnosis and treatment days and eighteen (18) years old or
Insurance. of such persons, and provides up to and including twenty-three
© 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos, 7
and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018.Chubb Travel Insurance
(23) years old whilst they are full training, or work that presents risk any person or group(s) or person(s),
time students at an accredited or serious injury including but not whether acting alone or on behalf of or
institution of higher learning on limited to oil riggers, fishermen, in connection with any organisation(s)
the Effective Date. crane operators or welders; or government(s), committed for
The Child(ren), grandchild(ren), in a political, religious or ideological
(e) work involved as a staff member in
Family Plan must be accompanied by at a bar, restaurant or hotel; purposes or reasons including the
least one (1) of the insured adults under intention to influence any government
(f ) working as a musician or singer; and/or to put the public, or any section
that Policy for any Journey made during
the Period of Insurance. (g) working as a fruit picker if the of the public, in fear.
Journey means a Return Journey. fruit picking involves operating Overseas means anywhere outside
A Journey must commence from machinery; or Singapore, excluding Cuba.
Singapore on the Effective Date. (h) being remunerated for undertaking Partner means spouse or de-facto
Loss of Hearing means total and voluntary work for a charitable with whom You have been living
irrecoverable loss of hearing which is organisation.
permanently with at least three (3)
beyond remedy by surgical or other Medical Expenses means usual, months or more at the time of Accident
treatment. reasonable and customary Doctor’s or Sickness.
Loss of Limb means total functional fees, hospitalisation fees, medical
Period of Insurance means the period
disablement or loss by complete and supplies and medications all of which
during which the coverage under this
permanent physical severance of a have been necessary and reasonably
Policy is effective, as stated in the
hand at or above the wrist or a foot at incurred in the medical or surgical
or above the ankle. treatment of Accidental Injury or Certificate of Insurance.
Loss of Sight means the entire and Sickness. Permanent Disablement means
permanent loss of all sight in any eye Mountaineering means the ascent disablement that results solely, directly
rendering You absolutely blind in that or descent of a mountain ordinarily and independently of all other causes
eye and beyond remedy by surgical or necessitating the use of specified from Accidental Injury and which
other treatment. equipment including but not limited occurs within one hundred and eighty
Loss of Speech means actively at total to crampons, pickaxes, anchors, bolts, (180) consecutive days of the Accident
and irrecoverable loss of speech which carabineers and lead-rope or top-rope in which such Accidental Injury was
is beyond remedy by surgical or other anchoring equipment. sustained, and:
treatment. Natural Disasters means extreme (i) falls into one of the categories
Manual Work means actively at weather conditions (including but listed in the Table of Benefits under
work which involves You undertaking not limited to typhoons, hurricanes, Section 1; or
physical labour or manual operations or cyclones or tornadoes), naturally
active personal participation in any of occurring wildfires, floods, tsunamis, (ii) is a disablement which, having
the following: volcanic eruptions, earthquakes, lasted for a continuous and
landslides or other convulsion of nature uninterrupted period of at least
(a) underground work, mining work,
or by consequences of any of the twelve (12) consecutive months, is
military duties, offshore work,
occurrences mentioned above. at the expiry of that period, beyond
construction work, or outside
building or installation exceeding Nominated Account means the hope of improvement.
three (3) metres in height; Singapore bank account designated by Permanent Total Disablement means
You, which is not a Medisave account, disablement that results solely, directly
(b) work that involves heavy machinery,
to which premiums are to be charged or or independently of all other causes
explosives or hazardous material;
claims to be paid. from Accidental Injury and which
(c) work as a diver, life guard, taxi
Nuclear, Chemical, Biological occurs within one hundred eighty
driver, bus driver, or other
Terrorism means the use of any (180) days of the Accident in which
commercial vehicle or heavy
nuclear weapon or device or the such Accidental Injury was sustained,
vehicle driver, dispatch rider or
emission, discharge, dispersal, release which, having lasted for a continuous
delivery person;
or escape of any solid, liquid or gaseous and uninterrupted period of at least
(d) work of a manual nature that Chemical agent and/or Biological agent twelve (12) consecutive months, will,
involves specialist equipment and during the period of this insurance by in all probability, entirely prevent You
8 © 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.Chubb Travel Insurance
from engaging in gainful employment by You and shall commence from the of the United States of America,
of any and every kind for the remainder time You leave Your home or usual Australia, United Nations, European
of Your life and from which there is no place of employment in Singapore Union or United Kingdom.
hope of improvement. to proceed directly to the place of
Strike means organized industrial
embarkation in Singapore to commence
Pre-existing Condition means any action or any temporary stoppage of
travel to the intended destination(s)
condition which: work by the concerted action of the
Overseas and shall terminate upon
(a) You received medical treatment, employees of any Public Conveyance
Your arrival in Singapore after clearing
diagnosis, consultation or the immigration or upon the expiry of operator as a result of an industrial or
prescribed drugs or which the Period of Insurance, whichever is labour dispute.
symptoms or manifestations have earlier. Terrorist or Freedom Fighter
existed whether treatment was Resident In-patient means You who means an individual or organisation,
actually received within twelve are Confined as a resident bed patient irrespective of ethnic, religious or
(12) months period preceding the in a Hospital. ideological background or beliefs,
commencement of a Journey; which uses violence or the threat of
Riot means the act of any person
violence to promote their cause or
(b) medical advice or treatment taking part together with others in
beliefs.
was recommended by a Doctor any disturbance of the public peace
within twelve (12) months period (whether or not in connection with Traditional Chinese Medicine
preceding the commencement of a a strike or lock-out) or the action of Expenses means the usual, customary
Journey; or any lawfully constituted governmental and reasonable expenses for treatments
authority in suppressing or attempting of Accidental Injury or Sickness by a
(c) You should reasonably be aware of to suppress any such disturbance or in Chinese Doctor.
within twelve (12) months period minimising the consequences of such
preceding the commencement of a Travel Companion means a person
disturbance.
Journey. who has travel bookings to accompany
Scheduled Departure Date means the You on a Journey.
Policy means Your Policy Wording, date when You are scheduled to depart
Benefit Schedule and Certificate of on a Journey as set out in Your travel War means War, whether declared
Insurance describing the insurance ticket. or not, or any warlike activities,
contract between You and Us. including use of military force by any
Sickness means an illness or disease
sovereign nation to achieve economic,
Policy Wording means this document. contracted or manifested whilst
geographic, nationalistic, political,
Overseas during the Journey which
Public Conveyance means any land, racial, religious or other ends.
requires immediate treatment by a
sea or air conveyance (scheduled or
Doctor and which is not an Accidental We, Our, Us means the insurer Chubb
chartered) operated under a license Injury. Insurance Singapore Limited.
for the transportation of fare paying
Singapore Resident means a You, Your means the Insured Person(s)
passengers, and which has fixed and
Singapore Citizen or Singapore named in the Certificate of Insurance.
established routes only.
Permanent Resident or valid Work
Region means: Permit Holder or valid Employment
Part 2 Eligibility
Region 1: Brunei, Cambodia, Indonesia, Pass Holder or valid Dependant Pass
Holder or valid Long Term Social Visit To be eligible for cover under this Policy:
Laos, Malaysia, Myanmar, Philippines,
Pass Holder or valid Student Pass
Thailand and Vietnam. (i) You and/or Your Partner must be
Holder on the Effective Date.
Region 2: Australia, China (excluding a Singapore Resident of at least
Single Trip Policy means a policy
Tibet), Hong Kong, India, Japan, eighteen (18) years old at the time
issued for the selected plan where You
Korea, Macau, Mongolia, New Zealand, You apply for this insurance and/or
can only make a single Journey to the
Sri Lanka, Taiwan, Timor-Leste and upon renewal; and
selected Region of travel during the
including Region 1. Period of Insurance. (ii) the Child(ren) must be a Singapore
Region 3: Rest of the world including Specially Designated List means Resident, and the application for
Nepal, Tibet and Region 1 and 2 but names of a person, entities, groups, insurance must be made in the
excluding Cuba. corporate specified on a list who are name of the Child(ren)’s parent
Return Journey means a return trip subject to trade or economic sanctions or an adult authorised by the
made during the Period of Insurance or other such similar laws or regulations Child(ren)’s parent.
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and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018.Chubb Travel Insurance
Part 3 Scope And Limits Of Section 3 – Limits Of Coverage delayed due to strike or industrial
Cover And Benefits 1. This Policy shall terminate on the actions, adverse weather conditions
earliest of the following events: or mechanical breakdown/
Section 1 – Choice Of Plans
derangement of the Public
The scope of coverage and benefits (a) upon the expiry of Period of
Conveyance or scheduled flight or
under this Policy will vary as follows: Insurance; or
due to grounding of an aircraft as a
Geographical Cover (b) when You cease to satisfy the result of mechanical or structural
(i) if Region 1 has been chosen, only eligibility requirements; or defect;
Journey to countries defined under (c) upon Your death. the Period of Insurance shall be
Region 1 will be covered under this
Annual Policy automatically extended without
Policy;
2. Under an Annual Policy, You will additional premium up to thirty (30)
(ii) if Region 2 has been chosen, only days for events (a) and (b) above and up
only be covered for a maximum of
Journey to countries defined under to seven (7) days for event (c) above.
ninety (90) consecutive days for any
Region 1 and 2 will be covered
one Journey. We shall not be liable
under this Policy;
in respect of any loss occurring Part 4 General Exclusions
(iii) if Region 3 has been chosen, from 12.00 a.m. on the ninety-first
Journey to all countries outside (91st) day after commencement of We will not (under any Sections) pay
Singapore except Cuba will be any one Journey. for claims arising directly or indirectly
covered under this Policy. from:
Single Trip Policy
Benefits 1. Declared or undeclared war or any
3. Under a Single Trip Policy, You
will only be covered for the act of War, invasion, foreign enemy,
(iv) the monetary amounts and limits
of Benefits will vary according to Period of Insurance as stated in Civil War, rebellion, revolution,
whether Chubb Saver or Chubb the Certificate of Insurance up to insurrection, military or usurped
Economy, Chubb Business or a maximum of one hundred and power.
Chubb First plan has been chosen. eighty-three (183) consecutive
2. Any nuclear reaction or
days for the Journey. We shall not
Section 2 – Commencement Of contamination, ionising rays or
be liable in respect of any loss
Coverage radioactivity.
occurring from 12.00 a.m. on the
1. Core Benefit one hundred and eighty-fourth 3. Any Nuclear, Chemical, Biological
Coverage under Part 7 Benefits, Section (184th) day after the commencement Terrorism.
13 – Journey Cancellation, Section of the Journey.
17 – Loss of Advance Payment due to 4. Any prohibition, regulation or
Section 4 – Automatic Policy Extension intervention by government
Insolvency of Travel Agent and Section
26(B) – Loss of Frequent Flyer Points In the event that You, as a ticket authorities.
respectively, is effective upon the holding passenger on a scheduled
5. Any loss or expenses with respect
issuance of the Certificate of Insurance Public Conveyance, are prevented from
completing the return leg of a Journey to Cuba or a Specially Designated
or within sixty (60) days prior to the
Scheduled Departure Date, whichever within the Period of Insurance, as a List or which if reimbursed or paid
is later and shall terminate on the result of: by Us would result in Us being
commencement of the Journey. in breach of trade or economic
(a) You suffering from an Accidental
2. Optional: Add-on sanctions or other such similar laws
Injury or Sickness, which renders
You unfit for travel by a Doctor or regulations.
Coverage under Part 7 Benefits, Section
14 – Journey Postponement, is effective designated by Chubb Assistance or at 6. Any loss or expenses which arises
upon the issuance of the Certificate the Doctor’s absolute discretion; or in connection with or is contributed
of Insurance or within sixty (60) days (b) You being Confined in a Hospital by You undertaking any Journey
prior to the Scheduled Departure Date, against travel advice (including
Overseas at the expiry of the Period
whichever is later, and shall terminate non-essential travel) by the Ministry
of Insurance; or
upon postponement of the Journey. of Foreign Affairs of Singapore or
3. For all other sections, insurance is (c) the scheduled Public Conveyance the Ministry of Health of Singapore,
effective upon commencement of the or scheduled flight in which You in relation to actual or threatened
Journey. are travelling is unavoidably Riot, Strike, Civil Commotion,
10 © 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.Chubb Travel Insurance
outbreak of disease or unsafe 15. Any condition which results from when diving with a qualified
health conditions, or impending or is a complication of venereal instructor. In these situations
Natural Disasters, to the country disease. the maximum depth that this
or territory of Your destination, Policy covers is as specified
16. Air travel other than as a fare-
unless the Journey had already paying passenger on a fully under Your PADI certification
commenced prior to the issuance of licensed passenger carrying aircraft (or similar recognised
operated by an airline or an air qualification) but no deeper
such travel advice.
charter company for the regular than thirty (30) metres and You
7. Any wilful or intentional acts by transportation of passengers. must not be diving alone.
You whether sane or insane, mental
17. You acting as a law enforcement (i) Winter Sports:
and nervous disorders, self-inflicted snowboarding, snow tubing,
officer, emergency medical or fire
injury, suicide pacts or agreements snow rafting, snow mobiling,
service personnel, civil defence
or any attempts thereat, provoked personnel or military personnel glacier walking with a qualified
homicide or assault. of any country or international guide
8. Illegal acts (or omissions) authority, whether in full-time
(j) Biking Sports:
service or as a volunteer or during
by You or Your executors, mountain biking, quad biking,
reservist training pursuant to
administrators, legal heirs or expedition bicycle touring,
Section 14 of the Enlistment Act,
personal representatives, loss motor biking
Chapter 93 of Singapore.
resulting directly or directly from (k) Outdoor Sport:
action taken by the government 18. You engaging in naval, military or
4 wheel driving adventure.
air force service or operation or
authorities including confiscation,
testing of any kind of conveyance
seizure, destruction and restriction. or being engaged in Manual Work Part 5 Special Conditions
9. Intoxication by alcohol or drugs not or whilst engaging in offshore
1. Premium (Applicable To Single
prescribed by a Doctor. activities including but not limited
Trip Policy Only)
to diving, oil-rigging, mining or
10. You not taking all reasonable efforts aerial photography or handling of The Premium payable shall be
or Your carelessness, negligence or explosive or loss of or damage to for the entire Journey. We will
recklessness in safeguarding Your hired or leased equipment. not refund the premium once the
property or avoiding any injury or 19. You participating in: Certificate of Insurance is issued.
minimizing any claim under the 2. Group Policy (Applicable To
(a) Extreme Sports and Sporting
Policy. Single Trip Policy Only)
Activities;
11. Travel booked or undertaken For a group of individuals up to a
(b) Any professional competitions
against the advice of any Doctor or or sports in which You may maximum of six (6) persons who
for the purpose of seeking medical receive remunerations, are travelling on the same Journey
attention. sponsorships or any forms of under a Single Trip Policy, a group
financial rewards; policy may be issued. All the
12. Any Pre-existing Condition.
Insured Person(s) must depart and
(c) Racing, other than on foot but
13. Any condition which is, results return on the same day for that
this does not include ultra-
from or a complication of Journey.
marathons, biathlons and
pregnancy, childbirth, miscarriage triathlons; 3. Extension And Expansion Of
(except miscarriage due to Coverage
(d) Off-piste skiing;
Accidental Injury).
(e) White water rafting Grade 4 Subject to Our prior approval,
14. Any condition, which is or results (of international scale of river You may at any time prior to the
from or is a complication of difficulty) and above; commencement of a Journey,
infection with Human Deficiency obtain an extension of the Period
Syndrome (HIV), any variance (f ) Mountaineering;
of Insurance or an expansion of the
including Acquired Immune (g) Trekking (including mountain geographical coverage from Region
Deficiency Syndrome (AIDS), and trekking) above three thousand 1 or 2 to Region 3, by notifying Us of
AIDS Related Complications (ARC), (3,000) metres above sea level; or the desired change and paying the
or any opportunistic infections and/
appropriate additional premium.
or malignant neoplasm (tumour) (h) Scuba diving unless You hold
found in the presence of HIV, AIDS a PADI certification (or similar If, whilst You are on a Journey and
or ARC. recognised qualification) or due to unforeseen circumstances
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and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018.Chubb Travel Insurance
(which does not trigger Part 3 be without prejudice to any claim Part 6 General Conditions
Scope and Limits of Cover and originating prior thereto.
Benefits, Section 4 – Automatic 1. Payment Before Cover Warranty
Policy Extension) and You require You may cancel this Policy at any
time by giving notice to Us provided The total premium due must be
an extension of the Period
no claim has arisen during the paid and actually received in full
of Insurance, We may at Our
discretion, either approve or current Period of Insurance. In the by Us (or the intermediary through
reject Your request. If We approve event of such cancellation, We will whom this Policy was purchased)
and agree to extend the Period of apply a short rate refund as follows: on or before the Effective Date of
Insurance, Our approval shall be the Policy or renewal certificate.
subject to an additional premium Cancellation Of Refund Otherwise, there will be no cover
and Your confirmation that there is Policy % under this Policy and no benefits
no known claim/event which may Within 2 Months 60% shall be payable by Us.
give rise to a potential claim under
Within 3 Months 50% 2. Entire Contract, Changes
Your Policy prior to Your said
request. We will also not be liable Within 4 Months 40% This Policy, the Certificate of
for any claim arising from, or in Within 5 Months 30% Insurance and any amendments or
connection with any loss/event that endorsements shall constitute the
had occurred prior to the extension Within 6 Months 25%
entire contract of insurance. No
of Period of Insurance. Over 6 Months 0% change to the terms and conditions
An endorsement noting the change There will be no refund if a claim of this Policy shall be valid unless
in Period of Insurance and/or has been made during the Period of approved in writing by Us or Our
geographical coverage shall be Insurance. authorized representative and such
issued to You. approval shall be endorsed hereon
Such cancellation shall be without or attached hereto. No broker or
4. Notification Requirement prejudice to any event giving rise to agent has the authority to amend
If You are admitted to hospital, You a claim under Your Annual Policy or to waive any of the terms and
must advise Chubb Assistance as prior to the cancellation date. conditions of this Policy.
soon as practically possible. 7. Automatic Renewal (Applicable
3. Conditions Precedent To
5. Addition Of Insured Person To Annual Policy Only)
Liability
No person shall be covered by Your Annual Policy will be
Our liability for any Benefit under
this Policy unless such person is automatically renewed upon
this Policy is conditional upon:
specifically named as an Insured actual receipt of full premium by
Person and evidenced by a written Us before the expiry of the Period (a) the truth of the statements and
endorsement to this Policy. of Insurance. Your payment of information as provided to Us
Additional premium will be charged the full premium fifteen (15) days by You; and
for each additional Insured Person prior to the expiry of each Period
(b) the due observance and
included under Your Policy (prior of Insurance thereafter will result
fulfilment of the terms and
to commencement of the intended in this Policy being renewed. A
conditions of this Policy insofar
Journey). renewal certificate will be issued
as they relate to anything to be
and shall be the evidence of valid
6. Cancellation (Applicable To done or complied with by You.
cover, unless otherwise notified.
Annual Policy Only)
We reserve the right to amend the 4. Legal Action
We may cancel this Policy at any premium, terms and conditions of
No action shall be brought to
time by giving thirty (30) days Your Annual Policy by giving You
recover on this Policy prior to
notice in writing delivered to You forty-five (45) days written notice
the expiration of sixty (60) days
or mailed to Your last address of any change(s) to Your address
after written proof of claim has
as shown in Our records stating on file. been filed accordance with the
when thereafter such cancellation provisions of this Policy.
8. No Multiple Policies
shall be effective. In the event of
such cancellation, We will return You can only be covered under one 5. Misrepresentation
promptly the pro-rata unearned (1) leisure travel insurance policy This Policy shall be void in the
portion of any premium actually underwritten by Us for the same event of any misrepresentation,
paid by You. Such cancellation shall Journey. mis-description, non-disclosure or
12 © 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.Chubb Travel Insurance
concealment of any circumstances made with or obtained 10. Determination Of Age
by You which is material to or from the police, a carrier
For purpose of assessing your
connected with: or other authorities about
claim, Your age will be determined
(a) Your risk experience and claim the accident, loss or
as at the date of Accidental Injury
history; and/or damage; and or Sickness You sustained with
(ii) any other documentary reference to Your birth date.
(b) Your insurance record,
including previous refusals to evidence required by Us 11. Termination For Non-Payment
grant insurance coverage. under Your Policy. Of Premium
6. Consequences Of Breach Of Duty, (b) provide Us with the completed This Policy shall deem to have been
Fraud Or Misrepresentation claim form and accompanying void from the intended Effective
documents as soon as Date if the premium is not paid.
We may refuse to pay a claim either
practicable, in any event within
in whole or in part, of You: 12. Right Of Recovery
thirty (30) days of the incident
(a) breach the duty of utmost good taking place which gives rise to In the event a fraudulent claim is
faith; the claim; and made by You or otherwise, and
(b) make a misrepresentation to authorisation of payment and/
(c) provide any documents
Us before or at the time Your or payment is made by Us or
or evidence required by Chubb Assistance or an authorised
Policy was entered into;
Us to verify the claim at representative of Chubb Assistance
(c) breach a provision of Your Your expense. Any medical for a claim where there is no cover
Policy; examination required by under this Policy due to fraud or
(d) make a fraudulent claim under Us (including post-mortem otherwise, We or Chubb Assistance
any policy of insurance; examinations where it is not or an authorised representative
prohibited by law) to verify the of Chubb Assistance reserves the
(e) engage in any act or omission claim will be at Our expense. right to recover from You or Your
which under Your Policy You
estate the full sum which We or
are required to notify Us of, but Failure to notify Us within the time
Chubb Assistance or an authorised
You did not do so. limit prescribed shall not invalidate
representative of Chubb Assistance
the claim if it can be shown, to
7. Due Diligence had paid or had committed to on
Our satisfaction, that it was not
Your behalf.
You will exercise due diligence and reasonably possible to give such
precaution in doing all things to proof within the prescribed time 13. Compliance With Policy
avoid or reduce any loss under this limit for an otherwise legitimate Provisions
Policy. claim. Failure to comply with any of
8. Claims Procedure 9. Payment Of Claims the provisions contained in this
Policy shall invalidate all claims
Written notice shall be given to Any Benefits payable under this hereunder.
Our Claims Department at Policy shall be paid to You or Your
www.chubbclaims.com.sg or 14. Other Insurances And Refund Or
estate in the event of Your death
Reimbursement From Any Other
138 Market Street #11-01 except under Part 7 – Benefits,
CapitaGreen Singapore 048946. Source
Section 8 – Chubb Assistance
If You or Your legal representative Emergency Medical Evacuation, Except as otherwise provided in
want to make a claim, You or they Section 9 – Chubb Assistance this Policy, if You have or should
must: Repatriation of Mortal Remains. have any other insurance providing
The receipt of any benefit payable cover for the same loss, damage or
(a) complete a claim form (claim liability, We shall not be liable to
under this Policy by You shall
forms are available from Us), pay except for any excess beyond
in all cases be deemed final and
and attach to the claim form: the amount which would have
complete discharge of all Our
(i) original receipts for any liability in respect of such Benefit. been payable under the Policy or
expenses incurred that are policies had this insurance not been
Payment of claims will be paid to
being claimed; effected.
your Nominated Account unless
(ii) all reports that have been otherwise approved by Us. For the avoidance of doubt, in the
© 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos, 13
and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018.Chubb Travel Insurance
event You become entitled to a be extinguished completely. Where other than those directly related to
refund of or reimbursement of all there is a dispute or disagreement, Your Policy. A copy of Our Personal
or part of Your loss from any other the issuance of a valid arbitration Data Protection Policy can be
source for the events covered under award shall also be a condition found at http://www.chubb.com/
this Policy, We will only be liable for precedent to Our liability under this sg-privacy and You are deemed to
the amount that is not recoverable Policy. In no case shall You seek to have read the same.
from such other source. recover on this Policy before the
expiration of sixty (60) days after You will write to Our Data
15. Subrogation written proof of claim has been Protection Officer at 138 Market
submitted to Us in accordance with Street #11-01 CapitaGreen Singapore
In the event of any payment
the provisions of this Policy. 048946 to withdraw consent,
made by Us under one or more
access to and/or correction of
sections of this Policy, We will be 18. Governing Law
any information supplied to Us
subrogated to all Your rights of
This Policy shall be governed by and We may reserve the right to
recovery against any person or
and interpreted in accordance charge a reasonable fee to offset the
organisation. You shall provide
with Singapore law and subject to administrative costs in complying
Us with reasonable assistance the exclusive jurisdiction of the with access requests.
including but not limited to, Singapore Courts.
executing and delivering any 23. Policy Owners’ Protection
instruments and/or documents. 19. Interest Scheme
You shall take no actions which No amounts payable by Us under This Policy is protected under
may prejudice Our subrogation this Policy shall carry interest. the Policy Owners’ Protection
rights. Scheme which is administered by
20. Currency
16. Notice Of Trust Or Assignment the Singapore Deposit Insurance
Premiums and benefits payable Corporation (SDIC). Coverage for
And Third Party Rights
under this Policy shall be in
Your Policy is automatic and no
We shall not be bound or be Singapore dollars.
further action is required from You.
affected by any notice of any trust, For more information on the types
21. Clerical Error
charge, lien, assignment or other of benefits that are covered under
dealing with or in relation to this A clerical error by Us shall not
the scheme as well as the limits of
Policy. invalidate insurance otherwise
coverage, where applicable, please
validly in force, nor continue
A person who is not a party to this insurance otherwise not validly in contact Us or visit the GIA / LIA or
Policy contract shall have no right force. SDIC websites (www.gia.org.sg or
under the Contracts (Rights of www.lia.org.sg or www.sdic.org.sg).
22. Personal Data Protection
Third Parties) Act 2001 to enforce 24. Modification
Consent
any of its terms.
You are deemed to give consent We reserve the right to modify the
17. Arbitration terms and conditions of Your Policy
and authorisation to Us to collect,
If any dispute or disagreement use, disclose, and/or process Your within the Period of Insurance
arises regarding any matter personal data or information by giving You prior notice of at
pertaining to or concerning this supplied to Us without further least thirty (30) days, and such
Policy, the dispute or disagreement notification to You confidentially modification shall be applicable
must be referred to arbitration in with Our affiliated companies, from the effective date as stated in
accordance with the provisions third party service providers, Our written notice to Your address
of the Arbitration Act (Cap. 10) business partners and/or other on file.
and any statutory modification or parties, which may be sited outside
re-enactment thereof then in force, Singapore, for administering No modification of Your Policy
such arbitration to be commenced policies taken out with Us, shall be valid unless approved
within three (3) months from the customer services and to allow Us/ in writing by Our authorised
day such parties are unable to Our business partners to perform representative, and such approval
settle the dispute or difference. If marketing and related activities, shall be evidenced by way of an
You fail to commence arbitration until We receive Your written endorsement to Your Policy issued
in accordance with this clause, it is instruction to the contrary. Upon by Us. No broker or agent has the
agreed that any cause of action and Your written request, We shall, authority to modify or to waive any
any right to make a claim that You without charge, cease to use Your of the terms and conditions of Your
have or may have against Us shall personal information for purposes Policy.
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and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018.Chubb Travel Insurance
Part 7 Benefits
Core Benefits
Section 1 – Accidental Death And Disablement
What Is Covered If, during the Period of Insurance, while You are on a Journey, You sustain Accidental Injury
which results in death or Permanent Disablement within one hundred and eighty (180) days
from the date of the Accident.
For the purpose of this Section, the cover shall commence from the time You leave Your home
or Your usual place of employment to proceed directly to the place of embarkation in Singapore
or three (3) consecutive hours before the scheduled departure time of the Public Conveyance
in which You have arranged to travel and shall terminate on the earliest of any of the following
occurrences:
a) upon the expiry of the Period of Insurance specified in Your Certificate of Insurance; or
b) upon Your arrival at the destination country or in Singapore after clearing the immigration.
What We Will Pay We will pay to Your estate the Accidental Death Benefit or to You the Permanent Disablement
compensation according to the scale stated in the Table of Benefits below, up to the maximum
sum insured specified in the Benefit Schedule, subject to the terms and conditions of this Policy.
What Is Not Covered In addition to Part 4 – General Exclusions, We will not pay for any loss caused by or resulting
from Sickness.
Table Of Benefits
Loss Events Compensation Payable % of maximum sum insured
stated in the Benefit Schedule
Accidental Death 100%
Permanent Total Disablement 100%
Total and Permanent Loss of Speech and Hearing 100%
Loss of Sight in both eyes 100%
Loss of two Limbs 100%
Loss of one Limb 50%
Loss of Sight in one eye 50%
Total and Permanent Loss of lens of one eye 50%
Total and Permanent Loss of Speech 50%
Total and Permanent Loss of Hearing in
i) both Ears 50%
ii) one Ear 15%
The occurrence of any specific loss for which indemnity is payable under this Section shall at once terminate all insurance under
the Policy, but such termination shall be without prejudice to any other claim originating from the Accident causing such loss.
No indemnity will be paid under any circumstances for more than one of the losses, the greatest, for which provision is made
in this Section.
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Section 2 – Child Education Grant
What Is Covered If, during the Period of Insurance, while You are on a Journey, You sustain Accidental Injury
which results in Accidental Death under Section 1 – Accidental Death and Disablement and You
have surviving Child(ren).
What We Will Pay We will pay to Your estate the maximum sum insured specified in the Benefit Schedule for each
child up to a maximum of four (4) Child(ren) subject to the terms and conditions of this Policy.
What Is Not Covered Please refer to Part 4 – General Exclusions.
Section 3 – Emergency Overseas Medical Expenses
What Is Covered If, during the Period of Insurance, while You are on a Journey, You incur Medical Expenses
Overseas as a direct result of Accidental Injury or Sickness or Dental Expenses as a direct result
of Accidental Injury.
ADDITIONAL CONDITION
We have the option of returning You to Singapore, if the cost of Medical Expenses and/or
additional expenses Overseas are likely to exceed the cost of returning You to Singapore, subject
always to medical advice provided by Chubb Assistance. We also have the option of evacuating
You to the nearest Hospital in another country if the necessary medical treatment and/or facility is
not available in the immediate vicinity. If We return You to Singapore, the maximum sum insured
under Section 5 - Continuation of Medical Treatment After Return to Singapore shall apply.
What We Will Pay We will reimburse You in respect of such expenses up to the maximum sum insured specified in
the Benefit Schedule subject to the terms and conditions of this Policy.
If Your Journey involves you travelling back to Your Home Country for a continuous period
of more than thirty (30) days, We will only reimburse You up to twenty percent (20%) of the
maximum sum insured specified in the Benefit Schedule subject to the terms and conditions of
this Policy.
What Is Not Covered In addition to Part 4 – General Exclusions, We will not pay for any of the following:
1. Any further expenses incurred by You if We wish to return You to Singapore but You refuse
(where in the opinion of the treating Doctor and Chubb Assistance, You are fit to travel).
2. Any expenses relating to any treatment for Accidental Injury or Sickness where such
treatment was first sought more than sixty (60) days from the time the Accidental Injury or
Sickness was first sustained.
3. Any expenses incurred for prostheses, contact lenses, spectacles, hearing aids, dentures or
medical equipment unless prescribed by a Doctor for the treatment of Accidental Injury or
Sickness.
4. Any expenses relating to specialist treatment not prescribed or referred by a Doctor in
general practice.
5. Any expenses incurred in relation to treatment by a Chinese Doctor.
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and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018.Chubb Travel Insurance
Section 4 – Overseas Traditional Chinese Medicine Expenses
What Is Covered If, during the Period of Insurance, while You are on a Journey, You have been treated by a
Chinese Doctor and incur Traditional Chinese Medicine Expenses as a direct result of Accidental
Injury or Sickness.
What We Will Pay We will reimburse You in respect of such expenses up to the maximum sum insured specified in
the Benefit Schedule subject to the terms and conditions of this Policy.
What Is Not Covered In addition to Part 4 – General Exclusions, We will not pay for any expenses relating to any
treatment for Accidental Injury or Sickness where such treatment was first sought more than
sixty (60) days from the time the Accidental Injury or Sickness was first sustained.
Section 5 – Continuation Of Medical Treatment After Return To Singapore
What Is Covered If, during the Period of Insurance, while You are on a Journey, You sustain Accidental Injury
or Sickness and You have been treated by a Doctor or Chinese Doctor in Overseas, You may
continue to seek medical treatment from a Doctor or Chinese Doctor in Singapore up to
thirty-one (31) consecutive days from the date of Your return to Singapore.
What We Will Pay We will reimburse You for such medical expenses or Traditional Chinese Medical Expenses
necessarily incurred for follow-up treatment(s) in Singapore up to the maximum sum insured
specified in the Benefit Schedule subject to the terms and conditions of this Policy.
What Is Not Covered In addition to Part 4 – General Exclusions, We will not pay for any of the following:
1. If You did not seek any medical treatment Overseas.
2. Any expenses relating to any treatment for Accidental Injury or Sickness where such
treatment was first sought more than sixty (60) days from the time the Accidental Injury or
Sickness was first sustained.
3. Any expenses incurred for prostheses, contact lenses, spectacles, hearing aids, dentures or
medical equipment unless prescribed by a Doctor for the treatment of Accidental Injury or
Sickness.
4. Any expenses relating to any specialist treatment not prescribed or referred by a Doctor in
general practice.
Section 6 – Emergency Overseas Travel Expenses
What Is Covered If, during the Period of Insurance, while You are on a Journey,
(a) You are Confined in a Hospital Overseas as a result of Accidental Injury or Sickness for more
than five (5) consecutive days and Your medical condition forbids evacuation upon the
written advice of a Doctor and no adult is with You; or
(b) You are Confined in a Hospital Overseas as a result of Accidental Injury or Sickness and
there is no other adult to accompany Your Child(ren) home; or
(c) You sustain Accidental Injury which results in death under Section 1 – Accidental Death and
Disablement and no adult Family Member is with You.
© 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos, 17
and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018.You can also read
